Pensions
Tom McPhail[Job title, firm]
Alistair McQueen[Job title], Aviva
A new Boring Money series
Bots versus Brokers
More of us are asking AI about our money. So we put real reader questions to Claude, ChatGPT and Gemini, then asked leading advisers and experts to mark their homework.
See what AI gets right, what it misses, and how to ask it better questions.
The Brokers
Meet the experts marking the homework
Advisers and industry experts across six series. Each one reviews the AI answers and then gives their own take
Retirement planning
Tim Skelton-Smith[Job title], Quilter
Alan Smith[Job title], Capital
Dennis Hall[Job title, firm]
ISAs
James McManus[Job title], J.P. Morgan Personal Investing
Kat Hudson[Job title], Hargreaves Lansdown
Investment markets
Tom Stevenson[Job title], Fidelity
Michael Winson[Job title], Rathbones
Inheritance tax
Harry Bedoe[Job title], Ascot Lloyd
Zoe Dagless[Job title], Meliora
Esther Clemmey[Job title, firm]
Tax and financial planning
Nicola Crosbie[Job title], St. James's Place
Chris Hulse[Job title], Amber River
Tim Skelton-Smith[Job title], Quilter
The Bots
Three AI models. Same question. 250 words.
Each model gets the reader's question exactly as it was sent to us, with a 250-word limit. We publish what they say, unedited, alongside the expert verdict.
Claude
Made by Anthropic
ChatGpt
Made by OpenAI
Gemini
Made by Google
The Questions
Real questions from Boring Money readers
Every question here came from Boring Money readers. New verdicts are published monthly.
Pensions
My work pension matches up to 7% and I invest 12% of my salary. Should I put the extra 5% into a SIPP instead?
Verdict coming soon
Should I buy an annuity, and when? My pot has fallen in value. Do I buy now or wait until my 70s?
Verdict coming soon
Retirement planning
25% tax-free pension cash: is it better to take it as lump sums, or draw down monthly amounts and pay tax on 75%?
Verdict coming soon
I retire in five years. What should I do with my DC pension pot to manage market volatility?
Verdict coming soon