InvestorsObserver, a financial analysis company, surveyed over 1,000 experienced U.S. individual investors ages 35–60, to understand how they use and trust AI chatbots for investment decisions.
The results reveal a clear trust gap:
19% of respondents say they do not trust AI with any financial task, even as AI tools become more common in consumer finance.
Only 5% act on AI advice without extra research, or human judgement.
Despite this hard line, most investors are moving toward AI on their own terms. Nearly two‑thirds (64%) have never used an AI chatbot for investment advice, yet 59% say they plan to use or continue using AI for investment advice in the future.
Only 5% report acting directly on AI-generated advice without additional research, while the majority treat it as input rather than instruction.
Read the full report here.
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ABOUT SAM BOURGI
Sam Bourgi is a finance analyst and researcher at InvestorsObserver, bringing over 13 years of expertise in financial markets, economics, and monetary policy. His professional background spans the private, nonprofit, and public sectors, where he has held positions such as senior policy adviser, labor market analyst, and marketing director. Sam’s in-depth research and market analysis have been referenced by leading institutions and organizations, including the U.S. Congress, Department of Justice, Chicago Board Options Exchange, Bank for International Settlements, Boston University Law Review, Barron’s, and Forbes. Sam regularly appears on TV, including CBN, KFYR TV, 11Alive, and ABC30, and is often quoted by such media outlets as the SF Chronicle and MSN.
ABOUT INVESTORS OBSERVER
InvestorsObserver is a trusted source of independent financial analysis, market insights, and investment research for individuals and institutions. Founded to empower retail investors with actionable intelligence, InvestorsObserver delivers timely commentary, data-driven studies, and accessible financial tools designed to simplify complex market trends. Its research and insights have been featured by various media outlets, including Yahoo, The Guardian, Morning Star, Nasdaq, and more.
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