I Asked ChatGPT for the One Investment Smart Seniors Should Have

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RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};ge("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat($n)),notifLabel:document.querySelector(".".concat(Xn))};t.notifDropdown&&so(e,t)}))}()}};]]>Rebekah EvansSun, December 28, 2025 at 2:05 PM GMT+1 4 min readIf you’re a senior wondering where to put your money, ChatGPT’s suggestion is this: Add a reliable, income-producing component to your portfolio.Specifically, this component should provide portfolio stability, so you don’t need to sell any other assets during market downturns, the AI tool said. But what exactly does this look like, and do the experts agree? Here’s what you should know.ChatGPT gave three main reasons why seniors should have an income-producing component in their portfolios:Seniors typically need predictable cash flow to cover their expenses, which income-producing assets can provide.Income-producing assets generally offer more liquidity, which is beneficial for those who need quicker access to cash, such as in times of market downturns.Having an income-producing component can help protect other assets from being sold quickly in a downturn.Read More: 12 Ways To Travel in Retirement Without Blowing Your SavingsFind Out: 5 Clever Ways Retirees Are Earning Up To $1K per Month From HomeAs for what that “income-producing” component might look like, ChatGPT suggested:Diversified portfolio of dividend-paying stocks, bonds and income fundsFixed income, annuities (with caution) or other cash-flow streamsCash or other low-risk instrumentsGOBankingRates asked ChatGPT to narrow this down further by providing the one investment smart seniors should have. In response, it said: “A well-designed, diversified income-generating portfolio or vehicle that aligns with your risk tolerance, time horizon and income needs.”According to the AI tool, this means prioritizing:Stability through safe bonds or short-term fixed income streamsGrowth and income through dividend-paying stocks or income-oriented fundsLiquidity in the form of cash, so you don’t have to sell other assets at an inopportune timeEveryone’s investment portfolio is going to look different. After all, things like risk tolerance and time in retirement will influence which investments you should — and shouldn’t — have.As for whether or not ChatGPT had the right idea, experts say the answer is complicated.“While that answer sounds as though it makes a lot of sense, there are quite a few items it neglects in its broad suggestion,” said Chris Dixon, co-founder at Oxford Advisory Group. “Stocks are still subject to market volatility, cash can lose to inflation and bonds may grow slowly while locking up your assets. Tax-deferred accounts, like the most popular retirement accounts (401(k) or IRA), are subject to required distributions, regardless of whether it is a bad time to sell for the retiree.”Terms and Privacy PolicyPrivacy & Cookie SettingsMore InfoS&P 5006,905.74 -24.20 (-0.35%)Dow 3048,461.93 -249.04 (-0.51%)Nasdaq23,474.35 -118.75 (-0.50%)Russell 20002,519.80 -14.55 (-0.57%)VIX14.20 +0.60 (+4.41%)Gold4,363.00 +19.40 (+0.45%)Trending tickersBTC-USD Bitcoin USD 87,056.34 -1,006.18 (-1.14%)MU Micron Technology, Inc. 294.37 +9.70 (+3.41%)BNAI Brand Engagement Network, Inc. 2.5050 +1.3050 (+108.75%)RARE Ultragenyx Pharmaceutical Inc. 19.72 -14.47 (-42.32%)ETH-USD Ethereum USD 2,930.04 -36.81 (-1.24%)PortfolioSign in to access your portfolioSign inTop gainersPRAX Praxis Precision Medicines, Inc. 304.58 +35.63 (+13.25%)RGC Regencell Bioscience Holdings Limited 23.48 +2.32 (+10.96%)DBRG DigitalBridge Group, Inc. 15.26 +1.34 (+9.63%)BLTE Belite Bio, Inc 165.29 +10.36 (+6.69%)PSNY Polestar Automotive Holding UK PLC 18.66 +1.12 (+6.39%)Top losersSBSW Sibanye Stillwater Limited 14.20 -1.50 (-9.55%)BRBR BellRing Brands, Inc. 27.33 -2.83 (-9.38%)DJTWW Trump Media & Technology Group Corp. 7.38 -0.74 (-9.11%)DRD DRDGOLD Limited 30.54 -2.79 (-8.37%)HMY Harmony Gold Mining Company Limited 19.95 -1.79 (-8.23%)Most activeNVDA NVIDIA Corporation 188.22 -2.31 (-1.21%)DBRG DigitalBridge Group, Inc. 15.26 +1.34 (+9.63%)NIO NIO Inc. 5.34 +0.24 (+4.71%)PLUG Plug Power Inc. 1.9700 -0.1000 (-4.83%)TSLA Tesla, Inc. 459.64 -15.55 (-3.27%)Top economic eventsEarnings eventsMy earnings eventsEarnings events