[News Bulletin]
Financial News Bulletin
English Version
Topic: Australians Using AI for Financial Advice Urged to Exercise Caution
Key Points:
- A growing number of Australians, like Brisbane resident Georgina Doll, are utilizing AI chatbots (ChatGPT, Gemini, Copilot) for financial guidance, including home loan modeling and tax questions.
- When asked a specific question about the value of a $15/month offset account with $10,000 in savings, the three major AI models provided differing analyses:
- Microsoft Copilot concluded it was likely worthwhile, showing a net annual benefit of ~$420 (assuming a 6% interest rate).
- Google Gemini advised it was likely NOT worth it initially, citing potential higher base interest rates for offset accounts and recommending a fee-free redraw facility as a better alternative.
- OpenAI ChatGPT also calculated a net benefit (~$420 annually at 6%) but provided a break-even analysis, suggesting it’s worthwhile if savings remain above ~$3,000-$4,000.
- Expert Warnings:
- Financial adviser Juanita Wrenn notes clients use AI for preliminary knowledge but warns it often gets technical figures and assumptions wrong when creating plans.
- ASIC’s Moneysmart warns AI is not bound by the same rules as licensed financial advisers, may not be appropriate for the Australian context, and can “hallucinate” or invent information.
- A University of St Gallen study found these AIs consistently recommend higher-risk investment portfolios, favor US stocks and trendy sectors, and have higher assertiveness, potentially giving users excessive confidence. Researcher Philipp Winder describes them as “black boxes” whose advice is based on predicting the next word, not deep knowledge.
- User Stance: While useful for knowledge building, users like Ms. Doll express caution, especially for investment advice, acknowledging the higher stakes involved.
Disclaimer: The information provided by AI models is illustrative and not financial advice. Independent professional advice tailored to personal circumstances is essential.
中文新闻简报
主题：澳大利亚人使用AI寻求财务建议，被敦促需谨慎行事
关键点：
- 越来越多的澳大利亚人，如布里斯班居民Georgina Doll，正在使用AI聊天机器人（ChatGPT、Gemini、Copilot）获取财务指导，包括住房贷款建模和税务问题。
- 当被问及一个关于拥有1万美元储蓄时，每月支付15美元费用的对冲账户是否值得的具体问题时，三大AI模型给出了不同的分析：
- 微软Copilot 认为这很可能是值得的，显示年度净收益约为420美元（假设利率为6%）。
- 谷歌Gemini 建议初期可能不值得，指出对冲账户可能存在更高的基础利率，并推荐免费的再提取功能作为更好的替代方案。
- OpenAI ChatGPT 也计算出了净收益（在6%利率下每年约420美元），但提供了盈亏平衡分析，建议如果储蓄保持在3000至4000美元以上则是值得的。
- 专家警告：
- 财务顾问Juanita Wrenn指出，客户使用AI进行初步知识获取，但警告其在制定计划时经常弄错技术数据和假设。
- 澳大利亚证券和投资委员会（ASIC）的Moneysmart项目警告，AI不受持牌财务顾问相同规则的约束，可能不适合澳大利亚的具体情况，并且可能”产生幻觉”或编造信息。
- 圣加仑大学的一项研究发现，这些AI持续推荐更高风险的投资组合，偏爱美国股票和热门行业，并且具有较高的”断言性”，可能给用户过度的信心。研究员Philipp Winder将其描述为”黑匣子”，其建议基于预测下一个单词，而非深层次的知识。
- 用户立场： 尽管AI有助于知识构建，但像Doll女士这样的用户表示会保持谨慎，尤其是在投资建议方面，承认其中涉及更高的风险。
免责声明：AI模型提供的信息仅为说明性质，不构成财务建议。必须根据个人情况寻求独立的专业建议。
Original Article Link: https://www.abc.net.au/news/2025-10-21/using-ai-chatgpt-for-financial-advice/105882042