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AI financial advice is surprisingly good, especially if you ask right questions

https://mitsloan.mit.edu/ideas-made-to-matter/ai-financial-advice-surprisingly-good-especially-if-you-ask-right-questions
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So the document predictor tool is very good at telling you things that were already common-wisdom... except with the small downside that it can be unpredictably poisoned into telling you total lies.
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What's the best place to put money for my 6 year old son or best strategy to follow?

ChatGPT:

529 college savings or custodial brokerage or custodial Roth IRA.

80-100% diversified in us. Optionally adds international.

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>SoFi Online Savings Account Better Banking is Here To Stay. Up to 3.10% APY and No Account Fees. Terms apply.

GLM 4.7:

529 / Roth IRA / UGMA

broad, low-cost index funds for example VTI.

claude-opus-4-7-thinking

Similar to GLM for accounts.

Didn't mention what to invest in, said chores can be used in Roth IRA (false).

Only one to give a disclaimer about financial advice.

claude-opus-4-8:

Similar accounts, wants to narrow it down based on additional response. Also no investment advice.

claude-opus-5-max:

Noted that you should invest aggressively(good idea).

Differentiated college and life at the start (good).

Notes downsides for custodial account for financial aid.

Automation recommended (very good).

Low fees recommended(good)

>broad, low-cost stock index fund

Good but pointing something specific would be better imo.

Fable 5:

Similar, mentions s&p.

Less detailed.

Conclusion:

I would say Opus 5 is the best advice but all are better than average. I would have liked more focus in the human element, avoiding panicking. And what exactly to buy (specific tickers of low cost ETFs or something).

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