Can AI Really Replace a Financial Advisor? Let’s Test It!

thecekodok

 Investing with AI is the hottest trend right now. Everyone’s talking about how AI can make you money. So today, I decided to put it to the test.

What if I give AI access to real stock data, news, and earnings reports? Can AI actually help me profit? Can it really be as good as a real financial advisor? Maybe even replace one… or is it just hype?

For this experiment, I’m using the new Moomoo AI feature.

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Why I’m Using Moomoo AI Instead of ChatGPT

  1. It’s free once you sign up for Moomoo.

  2. Trained on real market data—live market prices, earnings reports, latest news, and discussions from the massive Moomoo investor community.

  3. Provides insights in Bahasa Malaysia and is specialized for the Malaysian stock market.

Basically, Moomoo AI gives you actionable insights based on what’s actually happening now, not last year’s data.


Testing Moomoo AI on Stocks

Let’s start with something topical: the AI bubble.

Suppose you own Nvidia shares and want to know if this AI hype will hurt the company. I asked Moomoo AI the question.

  • Short-term: May be affected if the bubble bursts.

  • Long-term: Depends on the company’s strong fundamentals.

It even provided a detailed analysis: Nvidia’s revenue up 62% YoY, backed by their earnings report. So, if you’re holding Nvidia, this might ease your worries a bit.


Can AI Handle Complex Questions?

Next, I asked about US Federal Reserve decisions.

The Fed’s policy impacts the global market, and normally you’d need to read technical reports from FOMC, which can be confusing.

Moomoo AI simplified it:

  • Fed cut interest rates, but the signal for the future is cautious.

  • Market volatility expected due to new Fed chair appointment in Jan 2026.

💡 Suggestion: If you plan to invest this month, maybe hold off. Not bad for AI!


Pushing AI to Its Limits: Nvidia Valuation

I even asked Moomoo AI to calculate Nvidia’s valuation using the discounted cash flow method.

  • AI’s valuation: $77.38 (conservative assumptions, not considering long-term AI growth).

  • Analyst consensus (e.g., Morningstar): $240.

😮 Huge difference! But valuations are always subjective. The takeaway? AI can provide research, but investment decisions still need human judgment.


Can AI Replace a Financial Advisor?

Moomoo AI is excellent for research and learning concepts. It helps you understand stocks, trends, and financial news faster than asking friends or family.

✅ BUT: It won’t give direct investment advice due to liability restrictions.

So, AI is not a replacement for human financial advisors—at least not yet—but it’s a powerful tool for beginners and experienced investors alike.


My Verdict

  • Great for research, analysis, and education

  • Can guide you in risk management strategies like ETFs, diversified shares, or dollar-cost averaging

  • Still requires human decision-making for final investment choices


Ready to Try Moomoo AI and Start Investing? 🚀

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👉 Sign up with Moomoo here

Claim your bonus and start your journey with AI-assisted investing today!

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