Your AI Isn't Your Stockbroker

If AI could pick winning stocks, I'd be writing this from a yacht.

I'm writing it from my desk in Kathmandu.

Draw your own conclusions.

The librarian, not the examiner

A good librarian is incredibly helpful.

They find the right books.

They show you where the data is.

They point out sources you didn't know existed.

But a librarian doesn't sit your exam for you.

That's AI for investing.

Amazing at finding, organising, and challenging.

Not the one who should write your answer.

What I actually use it for

When I look at NEPSE companies, I use AI to:

• Summarise what a company does and how it earns money
• Compare companies in the same sector
• List the risks I might be ignoring
• Challenge my thesis

That last one is my favourite.

Ask it to argue with you

Bad:
Should I buy NABIL?
 
Good:
I think NABIL is a good long-term holding because of
steady dividends and a strong deposit base.
Act as a sceptical investor. Give me the five strongest
arguments against this, and what data I should check
to confirm or reject each one.

The first prompt asks for a tip.

The second asks for a sparring partner.

Tips make you lazy.

Sparring makes you sharper.

Why it can't be your broker

AI can be:

• Out of date on recent numbers
• Confidently wrong about a financial figure
• Unaware of news from this morning

And it doesn't carry the risk.

You do.

So every number it gives you gets checked against official reports and filings.

Every time.

Final thoughts

AI won't buy me a yacht.

But it has made me a more careful investor.

It asks the questions I forget to ask.

It finds the risks I'd rather not see.

Then it steps back, and I make the decision.

Librarian, not examiner.

That's how it should be.