For Those Afraid of Investing. AI x Investing [For Beginners] How to Create Your Own Investment Rules in 7 Days with AI [20 Prompts] NISA

I know I should start investing. But I’m scared.

I completely understand that feeling.

Prices are rising, but salaries aren’t going up much. I’ve started hearing people around me ask, ‘Have you started NISA yet?’

But when I actually look into it, it’s full of words I don’t know.

‘Index,’ ‘trust fees,’ ‘risk tolerance’….

After reading about three pages of explanations, I quietly close the browser.

If I consult with a bank, they might recommend products I don’t really understand. Ads claiming ‘Earn 300,000 yen every month with AI!’ even pop up on social media.

What should I believe?

I am currently based in South Korea, living my life using Japanese, English, and Korean.

When I learn something new, I often make use of AI.

I ask questions about words I don’t understand. I have it rephrase difficult explanations into simple terms. I use it to organize my own thoughts.

In this article, we will use that method to study investing.

This is how to make AI your own personal ‘investment coach.’

We are not leaving investing up to AI

First, I want to share something important.

This article is not about having AI predict ‘stocks that will go up in value.’

In fact, you should be wary of any talk that says ‘AI will definitely make you money.’

What AI is good at is not accurately predicting the future, but things like the following:

• Explaining difficult terms in an easy-to-understand way

• Organize your household finances

• Compare the differences between investment products

• Create rules to avoid being swayed by emotions

In short, AI is not a fortune teller, but more like a private tutor.

The goal of this article is not to have AI decide your investments for you, but to use AI to become capable of making your own decisions.

I have prepared 20 specific questions for that purpose.

For example, just by slightly changing how you ask the AI

If you ask normally,

“I want to start NISA. What should I do?”

You will get an explanation even with this.

But what if you asked it like this?

“I am an investment beginner. My monthly take-home pay is 250,000 yen, living expenses are 200,000 yen, and I have 1 million yen in savings. After ensuring I have enough money for emergencies, please propose two patterns for an amount I could reasonably invest. Please always provide explanations for difficult terms.”

Then, the AI will organize possible options tailored to your household finances.

Of course, the answer is not necessarily always correct. You need to verify calculations and systems.

Even so, you will get much more concrete material than by asking vaguely.

By the way, a “prompt” is a question or instruction sent to an AI. There is no need to overthink it.

What you will be able to do with this article

There are 8 steps in total.

1. Organize your own financial situation

2. Understand the basics of investing

3. Learn how NISA works

4. Create your own personalized investment rules

5. Compare investment trusts

6. Prepare your brokerage account and savings plan

7. Decide how to handle price drops

8. Make a 5-minute monthly review a habit

You can use any AI you are comfortable with, such as ChatGPT, Claude, or Gemini. You can try many questions even with the free versions.

Having zero investment experience is perfectly fine.

In fact, this article is intended for absolute beginners.

On the other hand, it is not suitable for those who want to ‘double their assets in a short period’ or ‘let AI do all the work to make money’.

This article is not a lottery ticket booth, but more like a gym for strength training.

It may be plain, but let’s build your own strength from the basics.

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Preparation: Make AI your personal investment coach

First, create a new chat in ChatGPT or similar.

If you keep it as an investment-only chat, it will be easier to look back at questions and answers later.

First, please paste the following text.

Prompt 1: Setting up your investment coach

You are a tutor for investment beginners.

Please help me study investing by following the rules below.

• Explain in words that even a middle school student can understand

• Always provide explanations for technical terms

• Use relatable examples

• Do not explain too much at once

• Suggest one next action at the end

• Do not make definitive claims about future stock prices or profits

• Do not unconditionally recommend specific products

• Do not guess about things you don’t know; be honest

• Encourage checking official information for systems and taxes

[About Me]

Investment experience: Almost zero

Country of residence: Japan

Investment goal: XX

If you understand, please reply with “Ready”.

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Step 1: First, organize your own money

When starting to invest, the first thing to think about is not “what to buy.”

How much money do you need for your current life?

Start here.

For example, for someone with 300,000 yen in savings versus someone with 3 million yen, the impact of investing 10,000 yen a month on their life is different.

There are only 4 things to check.

“Take-home pay” is the amount you actually receive after taxes, social insurance premiums, etc., have been deducted.

Prompt 2: Household budget inventory

Please organize my household budget.

[Monthly take-home pay] ○ yen

[Monthly fixed costs] Rent ○ yen, communication expenses ○ yen, insurance ○ yen, others ○ yen

[Variable costs] Food expenses ○ yen, daily necessities ○ yen, entertainment expenses ○ yen, others ○ yen

[Savings] ○ yen

[Major expenses within 1-3 years] ○○

Please tell me the following four things.

1. How much is left over each month

2. How much emergency fund seems necessary

3. Whether current savings are sufficient

4. Expenses that could be reduced without difficulty

Please also show the calculation process.

What is an emergency fund?