Placements: Should I really trust AI to manage your money?

Artificial intelligence interferes in the world of personal finance, promising more clever, faster … more profitable investments. But beware: entrusting your money to a machine is not without risks. Before giving in to the sirens of AI, here is what you need to know to avoid unpleasant surprises.

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Proof of this is, if it was one more, that artificial intelligence is everywhere. Apprentice investors, or even the most experienced traders, can use AI to hope to optimize their investments. And even some retirement savings plans (PER) are getting into it: The insurer Generali and Fintech Avnear launched a PER in 2024 with an arbitration mandate entrusted to the machine. Artificial intelligence is invited into the world of investment through various tools capable of analyzing data in real time, detecting market trends and suggesting strategies.

As mentioned in the Autorité des Marchés Financiers (AMF), these technologies are based on several techniques. Especially the algorithmic trading – when software automatically run orders according to predefined parameters – and trading signal generatorswhich formulate purchase or sale recommendations. Another way to mix AI and scholarship? THE Robo-Advisors. As explained by Charlotte Thameur, director of the employee savings offer at Shares during the “Major savings meeting“(Capital / radio heritage) of last July,”This consists of a series of questions – around twenty – on your investment project, your investment horizon and your financial knowledge. ” Then the “robot” Determines your risk profile and advises you on a basket of personalized shares or bonds. This offer is offered by certain banks or brokers online. However, these practices are not safe for your savings.

Investing with artificial intelligence: a risky bet?

In his last notethe authority of the financial markets sets the framework: these solutions “do not replace the investment council of a finance professional ”. L’AMF recalls that “Nothing guarantees you that the placements offered are adapted to your needs, nor that they will bring you the expected performance». One of the main dangers is that unlike traditional financial intermediaries, supervised by regulatory authorities and subject to strict standards, AI tools are still widely escaped any regulatory supervision.

Some of these tools are also based on incomplete or even wrong data. These tools that help you manage your stock market investments “can base their answers on historical scenarios but there is no guarantee that they will happen again in the future“, Underlines authority. Thus, do not fall into the panel of too optimistic and aggressive marketing, – it is probably a scam – then prudence.

How to invest well with artificial intelligence?

If theartificial intelligence seduces you to invest, a golden rule: Keep your mind critical. The Autorité des Marchés Financiers is formal: “An artificial intelligence can help you analyze the results of a listed company or the evolution of a sector of activity for example.But beware, these analyzes should never be taken for cash. The AMF insists on the importance of crossing this data with other reliable sources of information. Another capital recommendation: go through a duly authorized investment platform. It is an essential guarantee to evolve in a regulated framework.

As an investor, it is also better not to neglect human expertise. . Asking for a real finance professional is to benefit from enhanced protection. A safety net that disappears as soon as you only trust an AI to orient your placement choices. In case of dispute? Classic appeals – such as mediation of the Autorité des Marchés Financiers (AMF) – may not apply, making the resolution of disputes much more uncertain.

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