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OrdersI don't want a smarter chat box, I want an AI that dares to make decisions for me.
Over the past year, I've used AI assistants from at least five different investment apps.
They're all very polite, and they're all pretty useless.
"Based on your portfolio holdings, we recommend you pay attention to market dynamics"—my mom could give more specific advice than that.
The AI I want isn't a more talkative encyclopedia. It's an investment partner who dares to disagree with me, dares to press the button for me, and dares to stop me when I'm wrong.
Specifically, six things.
1. It dares to stop me when I impulsively place an order
My hand trembles and I click "Market Buy 500 shares," and it pops up: "You've chased highs at this price three times before, and twice you sold at a loss within a week. Do you want to change it to a limit order, placed at -2%?"
What AI should do isn't execute, it's first ask, "Are you sure?"
2. It dares to tell me, "Your judgment is wrong"
I say, "I'm bullish on this stock, adding to my position." It says: "Last week you said the reason you were bullish was the earnings report, but yesterday's conference call mentioned inventory issues, which you missed. Do you want me to summarize that 15-minute audio into three sentences for you?"
Not to agree with me, but to dare to challenge me.
3. It dares to speak up on its own, without me asking
Not waiting for me to search for news, not waiting for me to open the app. It sees that the options volume for a stock I hold suddenly spikes 5x, and it proactively pushes a message: "Someone is placing a big bet, direction is bearish for next month. Do you want to take a look?"
Proactivity is the only difference between AI and a search box.
4. It dares to pull me out of "watching the market"
It notices I've opened the app 27 times today and pops up: "There's been no unusual activity in your holdings today, the earnings report you're waiting for is the day after tomorrow. Do you want me to only notify you when something happens?"
Helping me watch the market less is truly helping me.
5. It dares to explain complex things in plain language
I ask, "What's this stock's PEG?" It doesn't just give me a number, it says: "0.8, cheap. But the industry average is 0.6, so it's not cheap compared to peers. What's really cheap is its FCF
yield—8%, double the industry average. That's the point you should focus on."
Not giving an answer, but giving me the next question.
6. It dares to admit when it doesn't know
I ask, "Will this stock go up tomorrow?" It says: "I don't know. But I can tell you that in three known similar scenarios, the win rate is 47%. Do you want to decide based on that?"
The sexiest quality of AI is that it dares to say, "I don't know."
To sum it up in one sentence:
I don't want a smarter chatbox. I want an AI partner who dares to stand by my side and dares to argue with me.
On July 15th, I'll be watching the livestream. If Longbridge achieves three of these, I'll admit it. If it achieves five, I'll pin this post for a year.
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