ChatGPT:
529 college savings or custodial brokerage or custodial Roth IRA.
80-100% diversified in us. Optionally adds international.
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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).
Unfortunately, this is the experience of most people with ChatGPT, which is why the broad population is so unaware of how intelligent and nuanced an AI response can be.