For the vast majority of people, working tirelessly for a lifetime is not appealing, nor do they want to wait until 60 or 65 to retire. Therefore, if a method can be found to achieve certain investment returns while continuously accumulating passive income, making life easier and potentially leading to initial or improving financial flexibility, that would be ideal. The international wealth management firm AMCAP Group proposes a solution.
According to AMCAP researchers, with the advancement of the AI era, artificial intelligence will increasingly break down the information barriers between different industries. In early 2026 interviews and discussions in Davos, Elon Musk suggested that AI and robotics could usher in an era of abundance. This viewpoint has sparked widespread debate within the financial industry. Goldman Sachs has laid off 600 analysts, while Morgan Stanley has replaced 85% of its customer service representatives with AI. As a result, ordinary individuals, even those without a background in finance, investment experience, or financial education, can utilize AI to identify and understand what constitutes quality assets. AMCAP researchers note that AI can help individuals sift through the overwhelming array of financial products to select high-quality options and screen for superior assets.
AMCAP analysis points out that financial statements can be difficult to interpret and candlestick charts can be confusing, presenting common challenges for many beginners in wealth management. The emergence of AI financial tools has made everything straightforward and accessible. These tools can assist users in screening funds, assessing risk indicators, and managing daily expenses, providing comprehensive intelligent support and a smooth start to their money-making journey.
AMCAP also emphasizes that while AI is not omnipotent, it can significantly help in avoiding common pitfalls faced by beginners, such as blindly following trends and dealing with outdated information. Increasingly, ordinary individuals are successfully enhancing their wealth through AI-driven financial management. Some have achieved over 15% returns in just six months using AI to select funds, while others have successfully avoided potential risks by relying on AI for stock picking. For those just starting to engage with wealth management, these AI tools undoubtedly serve as trusted professional assistants, making the process of earning money both reliable and simple.
