Individual investors are rapidly folding AI tools into their decision-making. In a March 2026 Investing.com survey of 938 US retail investors, 62% said they use some form of AI tool when making investment decisions.
March 2026 · Retail Investing
AI Is Closing the Information Gap for Everyday Investors
Nearly two-thirds of U.S. retail investors now lean on generative AI to research stocks, analyze portfolios and cut emotional bias — tools that once required costly data services or human advisers.
62%
have used AI tools in investment decisions
65%
of users report improved market performance
54%
use ChatGPT-style chatbots
Who uses AI, and how often
Share of 938 surveyed U.S. investors · 62% total users, split by frequency
62%
Any AI use
What they use it for
60%+
Research on stocks & assets
54%
Chatbot Q&A (ChatGPT-style)
~33%
Understanding market concepts
The upside
Fast aggregation, research and coding
Reduces emotional bias in decisions
An edge institutions once held alone
Highest adoption among Gen Z & Millennials
The cautions
Misinterpretation & outdated data
Herding from similar AI outputs
Weak advice for complex personal cases
Return to fundamentals, use with oversight
What comes next
Analyze
→
Recommend
→
Execute trades autonomously
The next frontier is agentic AI — tools that not only analyze markets but autonomously execute trades, potentially reshaping retail investing again.
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