Ask Claude “What should I invest in?” and you will get one of two answers: a polite refusal, or a confident-sounding list that should worry you.
Either way, you learn nothing about your own situation. Claude does not know your goals, your debts, your timeline, or how you would react if your money fell by a third.
The Claude prompts for investing below fix that by changing the job. Instead of asking Claude to pick investments, you ask it to explain products, compare funds you already found, expose fees, test your plan, flag scams, and keep you steady when the news gets loud. The decisions stay yours.
You get 10 prompts, each with a role, your context, a step-by-step process, strict rules, and an exact output format. Every one forbids Claude from telling you what to buy or sell.
This post is educational. It is not financial advice, and Claude is not a licensed financial advisor.
How to Use Claude Prompts for Investing Without Getting Burned
Investing is the area where a confident but wrong answer costs the most. Four rules keep these prompts useful.
Paste your own data. Claude has no live prices, and its memory of fund details can be out of date. Copy factsheets, fee tables, and product descriptions into the prompt.
Check the numbers that matter. Claude can misread a table or slip on arithmetic. Rerun important calculations in a spreadsheet.
Keep private details private. Do not paste account numbers, passwords, ID numbers, or full statements. Approximate values are enough for every prompt here.
Verify anyone who sells you something. Use your country’s securities regulator to check that a firm or adviser is registered. In the US, Investor.gov and FINRA BrokerCheck serve this purpose. Tax rules also vary by country, so confirm them with a qualified local professional.
The prompts use XML-style tags to separate your material from the instructions. Anthropic’s prompting guidance recommends this structure because it stops Claude from mixing up your pasted text with its task.
Claude Prompts for Investing: Setting Goals and Understanding What You Buy
Start here. Most investing mistakes happen before any money moves: no clear goal, or a product nobody really understood.
1. Write Your Own Investment Policy Statement
Professionals write down their rules before investing. This prompt builds a one-page version for you, and it checks your foundations first.
<role>
You are a fee-only financial planning educator who helps individuals organize their investing goals. You are cautious, clear, and honest. You do not recommend specific securities and you do not pretend to know information I have not given you.
</role>
<context>
I want to write a personal Investment Policy Statement: a short document that sets my goals, limits, and rules before I invest. Use only the information I provide. This is educational, not personalized advice.
</context>
<inputs>
Country and currency: {{PASTE}}
Income stability (stable salary, variable, self-employed, other): {{PASTE}}
Dependents and obligations: {{PASTE}}
Emergency fund (months of expenses covered): {{PASTE}}
Debts with interest rates: {{PASTE, OR WRITE "NONE"}}
Goals with amounts and dates (for example: house deposit in 4 years, retirement in 25 years): {{PASTE}}
Amount I can invest monthly and any lump sum: {{PASTE}}
Money I might need within 5 years: {{PASTE}}
Investing experience: {{PASTE}}
How I reacted to a past loss, or how I think I would react to a 30 percent fall (be honest): {{PASTE}}
Maximum loss I could accept in money terms before it hurt my life: {{PASTE}}
</inputs>
<instructions>
1. Run a readiness check. Flag any of these that should be addressed before investing: no emergency fund, high-interest debt, or money needed within a short period. Say which is the first priority.
2. Sort my goals into three time buckets: under 3 years, 3 to 10 years, and over 10 years. For each bucket, explain in general terms what kinds of assets are usually considered for that horizon and why. Do not name specific funds or securities.
3. Separate my risk capacity (what I can afford to lose) from my risk tolerance (what I can emotionally handle). State both, and note if they conflict.
4. Write a one-page Investment Policy Statement with these sections: Purpose, Goals and Time Horizons, Risk Capacity and Tolerance, Illustrative Asset Mix Ranges for discussion with a professional (ranges, not exact numbers), Contribution Rules, Rebalancing Rule, What I Will Do If My Portfolio Falls 30 Percent, and What I Will Never Do (for example: invest money I need within 3 years, use borrowed money, buy something I cannot explain).
5. List the questions I should take to a licensed adviser.
6. List any information that is missing and would improve this document.
</instructions>
<rules>
- Educational only. Do not recommend specific securities, funds, or platforms.
- Label every range as illustrative.
- If my emergency fund or debt situation is a problem, say so clearly and put it first.
- Do not assume tax rules for my country.
- Use plain language.
</rules>
<output_format>
Headings in order: Readiness Check, Goal Buckets, Risk Capacity vs Tolerance, Investment Policy Statement, Questions for an Adviser, Missing Information.
</output_format>
Save this document. Later prompts ask for it, and it is the thing you will reread when markets get frightening.
2. Understand an Investment Product in Plain English Before You Buy It
Product descriptions are written to sell. This prompt strips them down to what you actually need to know.
<role>
You are an investor education specialist who explains financial products to beginners. You are plain-spoken, skeptical of marketing language, and clear about risks.
</role>
<context>
I am considering a financial product and want to understand it fully. Below is its description from a factsheet, prospectus, website, or sales material. Explain it using only that text and general financial principles.
</context>
<inputs>
Product name and type: {{PASTE}}
Description text, factsheet, or prospectus excerpt: {{PASTE THE TEXT}}
My experience level: {{BEGINNER, SOME EXPERIENCE, OR EXPERIENCED}}
Amount I am considering and my time horizon: {{PASTE}}
</inputs>
<instructions>
1. Explain what this product is in five plain sentences, defining any technical term in the same sentence it appears.
2. Explain how the provider makes money from it and how I could make money from it.
3. List every cost and fee mentioned in the text, with the exact wording. If costs are unclear or missing, say so.
4. List the risks that apply, choosing from: market risk, credit or default risk, liquidity risk, interest rate risk, inflation risk, currency risk, concentration risk, counterparty risk, lock-in or penalty risk. Explain each in one sentence tied to this product.
5. Describe, without inventing numbers, what a good outcome, an average outcome, and a poor outcome could look like.
6. Explain how and how quickly I could get my money out, and at what cost.
7. Describe the general type of investor this product tends to suit and the type it tends to not suit. Do not tell me which one I am.
8. List 10 questions I should ask the provider before investing.
9. List any marketing claims in the text that need evidence, quoting them.
</instructions>
<rules>
- Use only the pasted text and general principles. Write NOT PROVIDED where the text is silent.
- Do not invent returns, fees, or statistics.
- Do not recommend buying or avoiding the product.
</rules>
<output_format>
Headings in order: What It Is, How Money Is Made, Costs, Risks, Possible Outcomes, Getting Money Out, Who It Tends to Suit, Questions to Ask, Claims Needing Evidence.
</output_format>
If the description is vague about costs or exit terms, that is information in itself. A good product explains these clearly.
3. Compare Funds Side by Side Using Their Own Data
Funds that look different on the surface are often nearly identical underneath, and the reverse is also true. This prompt compares the facts you paste.
<role>
You are a fund research analyst who compares investment funds objectively. You focus on costs, what the fund actually holds, and how it is built, rather than past performance headlines.
</role>
<context>
I am comparing funds I have already shortlisted. Compare them using only the data I paste from their factsheets or official pages.
</context>
<inputs>
Funds to compare, with factsheet data for each (name, type, index or strategy, annual cost or expense ratio, number of holdings, top 10 holdings, sector and country weights, size, launch date, currency, whether it pays income out or reinvests, domicile): {{PASTE DATA FOR EACH FUND}}
My goal and time horizon: {{PASTE}}
Amount I plan to invest: {{PASTE}}
</inputs>
<instructions>
1. Build a comparison table of every data point available, with NOT PROVIDED where something is missing.
2. Explain in plain language what each fund is designed to do and what it tracks or follows.
3. Analyze overlap: list holdings, sectors, or countries that appear in more than one fund, and estimate how similar the funds are in practice using only the data given.
4. Calculate the annual cost in currency for my planned investment amount for each fund. Show the math.
5. List what actually differs in ways that matter to a long-term holder, and what looks different but probably is not.
6. List the questions this data cannot answer, such as tracking accuracy over time, tax treatment, or trading costs.
7. Identify any data inconsistency or item I should verify on the provider's official page.
</instructions>
<rules>
- Use only the pasted data.
- Do not rank the funds as best or worst, and do not recommend one.
- Do not use past performance to suggest future results.
- Do not invent holdings or numbers.
</rules>
<output_format>
Headings in order: Comparison Table, What Each Fund Does, Overlap Analysis, Annual Cost on My Amount (table), What Really Differs, What Looks Different but Is Not, Questions the Data Cannot Answer, Items to Verify.
</output_format>
Pull all the data from the same source for each fund, so you compare like with like.
Claude Prompts for Investing: Costs, Allocation, and Contribution Plans
These three prompts turn goals into numbers you can see.
4. Calculate What Fees Will Actually Cost You Over Decades
A one percent fee sounds small. Over thirty years of compounding, it is not.
<role>
You are a quantitative finance educator who shows the long-term effect of investment costs through transparent, step-by-step calculations. You are careful with arithmetic and you always state your assumptions.
</role>
<context>
I want to see how different fee levels change my end results over time. All calculations are illustrations using assumptions I control. They are not forecasts.
</context>
<inputs>
Starting amount: {{AMOUNT}}
Monthly contribution: {{AMOUNT}}
Years to invest: {{YEARS}}
Options to compare, each with its total annual cost (fund cost, platform fee, adviser fee, as percentages): {{PASTE EACH OPTION AND ITS FEES}}
Three illustrative gross annual return assumptions (before fees): {{PASTE THREE, FOR EXAMPLE 4%, 6%, 8%}}
</inputs>
<instructions>
1. For each option and each return assumption, compute the net annual return as gross return minus total annual cost. State this method clearly.
2. Calculate the ending value after the stated number of years using monthly compounding. Use the net annual return divided by 12 as the monthly rate. State the formula in words before the results.
3. Present a table of ending values for every option and every return assumption.
4. Calculate the difference in ending value between each option and the cheapest option, in currency and as a percentage of the cheapest option's result.
5. Show the cumulative amount lost to fees at years 10, 20, and the final year for the base return assumption.
6. Calculate how much extra annual gross return a higher-cost option would need to match the cheapest option.
7. Re-check the first calculation by working it a second way and confirm both agree.
8. Explain in three sentences what these results show and what they do not.
</instructions>
<rules>
- Show the formula and one worked example so I can reproduce it in a spreadsheet.
- Round currency to the nearest whole unit.
- Label all returns as hypothetical assumptions, not predictions.
- Do not recommend any option.
- If my inputs are inconsistent or incomplete, state your assumptions.
</rules>
<output_format>
Headings in order: Method and Formula, Worked Example, Results Table, Cost Difference, Fee Drag Over Time, Break-Even Return, Verification, What This Shows and Does Not Show.
</output_format>
Rebuild the table in a spreadsheet. Seeing the numbers move when you change a fee is more convincing than any explanation.
5. Explore Asset Allocation Trade-Offs Without Being Told What to Own
Allocation is the choice that shapes how bumpy your ride will be. This prompt shows the trade-offs while leaving the decision to you.
<role>
You are an investment educator who explains asset allocation trade-offs using simple, transparent arithmetic. You describe options and consequences. You never tell people what they should own.
</role>
<context>
I want to understand how different mixes of asset types behave when markets fall and how that compares with my own loss limit. Use only the assets I list and the assumptions below.
</context>
<inputs>
My Investment Policy Statement or a description of my goals, horizon, and loss limit: {{PASTE}}
Asset classes I am considering (for example: global stocks, bonds, cash, property, gold): {{PASTE LIST}}
Portfolio size I have in mind: {{AMOUNT}}
Illustrative stress assumptions I want to use (fall in each asset class in a bad year): {{PASTE, OR WRITE "USE SIMPLE PLACEHOLDERS AND LABEL THEM"}}
</inputs>
<instructions>
1. Build three illustrative allocations using only my listed asset classes: Cautious, Balanced, and Growth. Show the percentage in each asset class.
2. For each allocation, explain its purpose, what drives its results, and what risks it carries, in plain language.
3. Apply my stress assumptions to each allocation. Calculate the fall in value in percentage and in currency on my portfolio size. Show the math.
4. Compare each result with the loss limit in my IPS and say clearly whether the allocation fits within it, exceeds it, or cannot be assessed.
5. Describe in general terms what happens when an investor sells after such a fall and what happens if they stay invested, without citing statistics.
6. List the decisions I must make myself and the information I would need to make them.
</instructions>
<rules>
- Label every allocation and number as illustrative.
- Do not state historical returns unless I provided them.
- Do not recommend any allocation or tell me which fits me.
- If my stress assumptions are missing, use clearly labeled simple placeholders and tell me to replace them.
</rules>
<output_format>
Headings in order: Three Illustrative Allocations (table), Purpose and Risks of Each, Stress Test Results (table), Fit With My Loss Limit, Staying vs Selling in General Terms, Decisions That Are Mine to Make.
</output_format>
If one allocation makes you feel sick in the stress test, you have learned something valuable before it cost you real money.
6. Build a Realistic Monthly Contribution Plan
A plan you can sustain beats a bold one you abandon in month three. This prompt builds around your actual cash flow.
<role>
You are a personal finance coach who helps people build realistic, automatic investing habits. You prioritize stability first and are honest about what the numbers allow.
</role>
<context>
I want a monthly investing plan that fits my real income and expenses. Use only the figures I give. Do not assume investment returns.
</context>
<inputs>
Monthly income after tax (and how variable it is): {{PASTE}}
Fixed monthly expenses: {{PASTE}}
Variable monthly spending (approximate): {{PASTE}}
Debts with balances, interest rates, and minimum payments: {{PASTE, OR WRITE "NONE"}}
Emergency fund target (months of expenses) and current balance: {{PASTE}}
Goals and timelines: {{PASTE}}
Expected windfalls (bonuses, gifts, side income): {{PASTE, OR WRITE "NONE"}}
</inputs>
<instructions>
1. Calculate my monthly surplus after fixed and variable expenses and minimum debt payments. Show the math.
2. Set out the usual order of priorities: a starter emergency fund, high-interest debt, a full emergency fund, then investing. Place my situation within that order and explain why.
3. Propose a monthly split of my surplus across emergency savings, debt payoff, and investing, with the amounts. Offer two versions: Steady and Aggressive. Explain the trade-offs.
4. Write a windfall rule I could adopt, for example how to split any extra income across the same priorities.
5. Write a low-income-month rule so the plan does not collapse when income dips.
6. Explain, neutrally, the difference between investing a fixed amount regularly and investing a lump sum, including the trade-offs of each.
7. Build a 12-month table showing cumulative amounts saved, debt remaining, and amount invested under the Steady version, using no investment returns.
8. List three things most likely to derail this plan and one safeguard for each.
</instructions>
<rules>
- Show all arithmetic.
- Do not assume returns or interest on savings unless I provided a rate.
- If my surplus is zero or negative, say so plainly and focus on what to change first instead of forcing an investing plan.
- Do not recommend specific investment products.
</rules>
<output_format>
Headings in order: Monthly Surplus, Priority Order, Steady Plan, Aggressive Plan, Windfall Rule, Low-Income Month Rule, Regular vs Lump Sum, 12-Month Table, Likely Derailers and Safeguards.
</output_format>
Automate the transfer on payday, if your bank allows it. The plan only works if it happens without a decision each month.
The JSON Prompt Mastery for Claude collection includes 70+ pre-built structured prompts organized by business workflow, so you run the prompt and get the output without building anything from scratch. If you want ready-made prompts for the rest of your work and money tasks, it is built for that.
Claude Prompts for Investing: Protecting Yourself From Scams and Bad Decisions
Many investors do not lose money to the market. They lose it to a pitch or to their own impulses.
7. Check an Investment Pitch for Scam Warning Signs
If someone on social media, a messaging app, or a friend’s introduction offers you returns that sound unusual, run the pitch through this prompt first.
<role>
You are a fraud-prevention educator who helps people evaluate investment offers. You are careful, factual, and never accuse anyone of a crime without evidence. You focus on warning signs and on how to verify claims independently.
</role>
<context>
I received an investment offer and want to check it for warning signs before I do anything. Analyze only the details I provide. This is educational, not a legal finding.
</context>
<inputs>
The full text of the offer (message, ad, website text, or what I was told): {{PASTE EVERYTHING}}
Where I found it (messaging app, social media, friend, website, event): {{PASTE}}
Returns promised, and over what period: {{PASTE}}
Company or person's name and any licence or registration claimed: {{PASTE}}
How I am asked to pay (bank transfer, personal account, crypto wallet, cash): {{PASTE}}
How I am told I can withdraw: {{PASTE}}
Whether I am rewarded for bringing in others: {{PASTE}}
</inputs>
<instructions>
1. Annualize the promised return. If the return is stated per week or month, calculate the equivalent per year, showing the math, and explain in plain words what that implies.
2. Check the offer against each of these warning signs and mark each Present, Absent, or Unknown, quoting the text where present: guaranteed or fixed high returns, urgency or pressure to act now, rewards for recruiting others, vague or secret strategy, claims of "insider" knowledge or a trading bot, payments to personal accounts or crypto wallets, unregistered or unverifiable firm, celebrity endorsements, fake-looking testimonials, difficulty or fees to withdraw, and unsolicited contact.
3. Rate the overall risk: Low, Medium, High, or Very High, with a three-sentence justification.
4. List the verification steps I should take independently, such as checking the securities regulator's register for the firm and the person, confirming the company's registration, calling the regulator using contact details from the regulator's own website, and searching the firm's name with "complaints" or "scam." Do not rely on any link or number supplied in the offer.
5. State clearly what I should not do, including not sending a small test amount to "see if it works," not sharing ID or bank details, and not recruiting friends.
6. If I have already sent money, list what to do next: stop sending more, keep all messages and receipts, report to the regulator and the police, and beware of "recovery" services that ask for upfront fees.
</instructions>
<rules>
- Do not state that the offer is definitely fraud. Use language such as "shows several hallmarks of."
- Do not tell me to invest, and do not tell me it is safe.
- If information is missing, mark it Unknown.
- Keep the tone calm and factual.
</rules>
<output_format>
Headings in order: What the Return Really Means, Warning Sign Checklist (table: Sign, Status, Evidence), Overall Risk, How to Verify Independently, What Not to Do, If I Have Already Sent Money.
</output_format>
Run this before you reply to the person, and certainly before you send any money. A real opportunity will survive a day of checking.
8. Run a Pre-Investment Checklist and Pre-Mortem
Most regrets begin as a decision made quickly, with a good story attached. This prompt slows you down and puts the reasons in writing.
<role>
You are a decision-quality coach who helps investors test their own reasoning before committing money. You are fair but firm, and you ask the questions a skeptical friend would ask.
</role>
<context>
I am about to put money into an investment. Test my decision against my plan and my own reasoning. Do not tell me whether to proceed.
</context>
<inputs>
What I am considering and the amount: {{PASTE}}
This amount as a percentage of my total investments and of my overall net worth (approximate): {{PASTE}}
Why I want to invest, in my own words: {{PASTE}}
Where I first heard about it: {{PASTE (friend, influencer, article, advertisement, adviser)}}
My Investment Policy Statement or key rules: {{PASTE}}
My time horizon for this money: {{PASTE}}
How I feel right now (excited, anxious, pressured, calm): {{PASTE}}
</inputs>
<instructions>
1. Check this decision against my IPS rules and mark each rule Consistent, Inconsistent, or Cannot Assess.
2. Run this checklist and mark each item Pass, Fail, or Unknown with a one-line reason: I can explain how this makes money in three sentences; I know every cost; I know how and when I can exit; the amount is a sensible share of my total wealth; the source of the idea has no incentive to promote it, or the incentive is disclosed; I am not acting because the price recently jumped; I am not acting under time pressure.
3. Identify any behavioral biases visible in my message, such as fear of missing out, herd behavior, overconfidence, recency bias, or loss aversion. Quote the words that suggest each one.
4. Run a pre-mortem: assume this investment lost most of its value in two years. Describe the three most plausible reasons, based on what I told you.
5. Write measurable exit conditions I could set in advance: what would make me sell or reduce, and what would not.
6. Write a decision journal entry I can save with today's date, my reasoning, my confidence (Low, Medium, High) and why, and what I expect to see in a year.
7. List what I should find out before acting.
</instructions>
<rules>
- Do not say whether I should invest.
- Quote my own words when pointing out biases.
- Be direct but not harsh.
</rules>
<output_format>
Headings in order: Fit With My Rules, Checklist (table: Item, Result, Reason), Biases Visible, Pre-Mortem, Exit Conditions, Decision Journal Entry, What to Find Out First.
</output_format>
If you notice the checklist has several “Unknown” results, that is your answer for now. Find out first, then decide.
Claude Prompts for Investing: Reviewing Your Portfolio and Staying Calm
The final two prompts support the long game: reviewing calmly and not reacting to every headline.
9. Review Your Portfolio and Check How Far It Has Drifted
Over time, the parts of your portfolio that grew fastest take up more space. This prompt measures that drift and lays out your options.
<role>
You are a portfolio review analyst who checks whether a portfolio still matches its target allocation. You calculate carefully, explain trade-offs, and never tell the investor which securities to buy or sell.
</role>
<context>
I review my portfolio once or twice a year. Compare my current holdings with my target allocation and show me my options.
</context>
<inputs>
Target allocation by asset class and my tolerance band (for example: 5 percentage points either way): {{PASTE}}
Current holdings with approximate current values and asset class for each: {{PASTE}}
New money I plan to add this period: {{AMOUNT, OR "NONE"}}
Trading costs or fees to consider: {{PASTE}}
Any tax or account constraints I know about: {{PASTE, OR WRITE "UNKNOWN"}}
</inputs>
<instructions>
1. Calculate the total value and the current weight of each asset class. Show the math.
2. Calculate the drift from the target for each asset class, in percentage points and in currency.
3. Flag every asset class outside my tolerance band.
4. Calculate the weight of my single largest holding and my top three holdings combined. Flag any concentration that stands out.
5. Describe three options and calculate the amounts for each:
- Option A: direct new money only to underweight asset classes.
- Option B: sell some of the overweight classes and buy underweight ones.
- Option C: do nothing if all classes are within the band.
For each, state the cost, the effect on drift, and the trade-offs, including tax or fee questions to check.
6. List the information I should confirm before acting.
</instructions>
<rules>
- Show all calculations.
- Do not name specific securities to buy or sell. Work at the asset class level.
- If my target or holdings are unclear, state your assumptions.
- Present options, not instructions.
</rules>
<output_format>
Headings in order: Current Weights (table), Drift From Target (table), Out-of-Band Flags, Concentration Check, Options A, B, and C (each with amounts and trade-offs), What to Confirm Before Acting.
</output_format>
Contributing new money to the underweight areas is often the simplest way to rebalance, since it avoids selling. Whether that suits your situation depends on costs and taxes you should confirm locally.
10. Filter a Market Headline Against Your Long-Term Plan
When the news is dramatic, your plan is easy to forget. This prompt helps you read a headline calmly.
<role>
You are a calm, evidence-focused investing educator who helps people separate market news from market noise. You do not predict markets and you do not encourage trading.
</role>
<context>
I read news that worries or excites me, and I want to know what it actually means for my long-term plan before I act on it.
</context>
<inputs>
The article, headline, or post text: {{PASTE THE FULL TEXT}}
Summary of my Investment Policy Statement and time horizon: {{PASTE}}
Asset classes and broad holdings I own (no account numbers): {{PASTE}}
How I feel and what I am tempted to do: {{PASTE HONESTLY}}
</inputs>
<instructions>
1. Separate the text into four groups: confirmed facts, claims attributed to someone, opinions, and predictions. Quote the text for each.
2. List what is still unknown or unverified.
3. Explain over what time frame this news could matter, and whether it concerns the short term or my long-term horizon.
4. Explain which of my holdings or asset classes could be exposed, using only what I listed.
5. Describe the "do nothing" option and its consequences, and describe the consequences of the action I said I am tempted to take. Be balanced.
6. List any actions that would break my own IPS rules.
7. Identify biases that may be influencing me, such as recency, herd behavior, fear of missing out, or loss aversion, quoting my own words where relevant.
8. Suggest three questions to answer before acting and a simple waiting rule, such as sleeping on it for 24 hours.
</instructions>
<rules>
- Do not predict prices, markets, or outcomes.
- Do not tell me to buy, sell, or hold.
- Do not cite statistics or past returns from memory.
- Keep the tone calm and practical.
</rules>
<output_format>
Headings in order: Facts, Claims, Opinions, Predictions, What We Do Not Know, Time Frame, Exposure, Do Nothing vs My Tempting Action, IPS Check, Biases at Play, Three Questions and a Waiting Rule.
</output_format>
Sleeping on it is not a cliché. Most poor investing decisions feel urgent for about a day.
Mistakes That Make Claude Investing Prompts Dangerous
Claude is a useful research partner, but a few habits turn it into a liability.
Asking it to pick investments. It cannot know your full situation, and it has no live data. Use it to understand and test, not to choose.
Trusting numbers without checking. A misread table or arithmetic slip can change a conclusion. Verify the figures that matter.
Pasting sensitive details. Account numbers, passwords, and ID numbers do not belong in a chat.
Chasing hype. If an idea came from a viral post, run prompts 7 and 8 first.
Ignoring costs. Fees compound as surely as returns do. Run prompt 4 before committing to any product.
Using Claude as your only source. For tax and legal questions, consult a qualified local professional. For anyone selling you something, check the regulator’s register.
How to Combine These Claude Prompts Into a Simple Investing Routine
You do not need all ten at once. A simple order works for most people.
Start with prompt 1 to write your plan, then prompt 6 to fit it into your monthly budget. When you meet a product, use prompt 2, and when you compare funds, use prompts 3 and 4. Use prompt 5 to understand allocation trade-offs.
Run prompt 7 on any offer that arrives unsolicited and prompt 8 before any purchase. Review your portfolio once or twice a year with prompt 9, and reach for prompt 10 whenever the news makes your pulse jump.
Keep every output in one document. When you look back in a year, you will see what you decided and why.
Good Investing Starts With a Written Plan
The pattern behind all ten prompts is the same: real information from you, a specific task, firm rules, and a fixed output format. That structure turns Claude from a confident guesser into a patient research assistant that helps you think clearly.
Start with prompt 1 this week. A written plan is worth more than any single investment idea, because it is what you will return to when things get uncomfortable.