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He Told 5 AIs: Make Money or Get Deleted Transcript, AI Summary & Key Points

Chris Koerner on The Koerner Office Podcast · 21 days ago · Education · 36:26 · EN

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00:00 Claude's more than doubled my money already. So,  pretty sweet. I decided to give five different models real money. Claude, Chachi BT, Gemini,  Grock, and Perplexity. Okay, let me just see how smart they actually are. I told them it's a  competition against the other four and they have to win or I'm going to cancel my paid subscription  with them. If they lose, I'm canceling.

00:17 And I said, there's only going to be one winner. You've  like 30xed on Claude. Claude's killing it. So, everybody just needs to try to catch up to Cloud  on here. My gosh. Yeah, it's been interesting especially to watch Gemini as it started losing  my money and then basically became a gambler. So the reason you flew here to Texas  today is to tell us how you used AI to make you money passively.

00:46 Correct. Correct. So  tell us what your what your thinking was when you started this experiment. Yeah. So, I started like  6 months ago or or maybe a little less uh using the different AI models to manage my money. You  know, everybody started talking about how smart Claude was and obviously ChatBT and all the  others. So, I figured, okay, well, let me just see how smart they actually are.

01:10 So, I decided to  give five different models $1,000 of real money. and which I know is not nothing, but I wanted it  to be basically enough to where I didn't want to do it like 50 bucks cuz then I was thinking, well,  maybe I would just neglect it or whatever. So, I gave them each $1,000 of real money. And the ones  I gave was was Claude, Chachi BT, Gemini, Grock, and Perplexity.

01:34 Okay. 1,000 each. 1,000 each. So,  5,000 bucks I put in. And I think the amount of money is important because there needed to be  stakes. Yeah. If it's 20 bucks, 50 bucks, then you're not going to take it seriously. Yeah. So  5,000 bucks and I know that Perplexity in case the commenters and and viewers want to know this. So  Perplexity basically uses the other models to make its decisions as it sees fit.

01:55 So it's the model to  end all models. Yeah. But that doesn't necessarily make it better. Yeah. Not necessarily. So I  thought those would be the best vibe to choose. Grock I definitely wanted to include because of  its connection to X and the Twitter fire hose of information. So, you're thinking like maybe more  social mentions will equate to a better return buying a certain stock?

02:19 Yeah, that's what I had  assumed. Basically, uh Gemini obviously is owned by Google, so they've got all that connection  there with Google searches and whatever else. And then Chachi BT and Clott are similar in how  they're made and built and stuff. So, yeah. So, I gave them each $1,000 and yeah, this is in  late 2025 is when it started. And what I did was I told them, so I told them that they can be as  risky as possible and it's okay if I lose all my money and I had to actually work that prompt  in pretty hard

02:47 because at the start they kept only giving me theoretical recommendations. It's  worried about liability. It's trying to hedge. It doesn't want to be responsible for you losing  money. Yeah. So that was my first obstacle is basically getting them all to agree to give me  re I said I want I'm going to give you real money and I want real recommendations.

03:09 Grock they  were fine with it right away which is just kind of funny cuz that's like the the most  liberal the most loose like Yeah. Yeah. Yeah. Yeah. So uh whereas like Chachi BT and Claude  were very apprehensive to to basically allow that I guess you could say. Now, before you continue,  let me ask you like why was that important to you to to prompt it like you can lose my money?

03:29 What  why I just, you know, and if if you like sign up for Robin Hood or whatever and then they'll ask  you, you know, they'll ask you like questions when you first sign up and it's like, you know,  do you have experience in the stock market? What is your time horizon with your investments? Do  you need the money right now? So I think just by nature these investing platforms also like they  want to cover their tracks in regards to liability and so I just wanted to like get through that  with the AI models too and okay

03:56 I don't know if if they're talking in theoreticals they might  say oh theoretically you could buy the options and this or whatever but no I wanted real stuff  because I was giving them and I did my real money so I just wanted the truest data possible. Now,  when you say giving them you real money, is that literal? Are you like or are you just making  trades based on their suggestions?

04:17 Yeah. So, here's what I did. So, I loaded it up into Schwab,  Charles Schwab, the brokerage account that I use, and then I named each portfolio. So, Claude has  its portfolio chat Gemini Grock Perplexity. Gave them each a,000 bucks. And then in the prompt,  so so after I got them to agree to give me real advice, what I then and and I have at least a $20  a month subscription, which with each of the five since I use all five for work anyway, that wasn't  like an additional expense.

04:50 Yeah. Or whatever. So I have a paid subscription with each. And so  so then what I did is I told them they have to win. It's a competition against the other four  and they have to win or I'm going to cancel my paid subscription with them. If they lose, I'm  cancelling. And I said there's only going to be one winner. What made you think to do that? I  was just trying to see if robots powers that be would act in their best interests to keep my $20  subscription a month to them.

05:17 Cuz I have to think that these companies are like engineering  these tools. You would have to think to get That's why they're all Yesmen, right? That's  a great idea, Chris. You want to jump off the roof without a parachute. That's a, you know, like  Yeah. Yeah. So, I can't be the first person that said, I mean, maybe I was one of the first  that did this with investing, but I can't be the first person that's like, if you don't  tell me how to whatever grow my business, I'm going to cancel you, right?

05:47 So, I'm sure to  your point, yeah, they're trying to engineer it for retention. They want to make more money. Hey,  if you're liking this video, please hit subscribe. You probably think you're subscribed cuz YouTube  shows you my videos, but you haven't done it yet. I just know it. So, please check. Thank you. So,  yeah. And then I thought it would just raise the stakes a little bit.

06:03 Um, and I wanted to see if  their decisions were different knowing something real was on the line. 20 bucks. Yeah. A month  from one of their users. Now, did you plan to touch base with them on how the other  models were were doing? Yeah. So, once I built that into everything, and I always say  like remember this for future chats type of thing. So then I asked, "Okay, what do you want my  first trade to be with your $1,000?"

06:25 And then it would tell me and then I made the trades.  So I did that with all five. So that I did that like on a Monday. And then every Saturday what  I do is I screenshot all five of their holdings and then I load all the screenshots into each  model. So like Perplexity knows project. Yeah. Yeah. Perplexity knows what the Grock portfolio  is at. Claude chat and it knows their holdings and then it knows its own holdings and then I  say based off of this and based off the fact that you have to win or I'll cancel you.

07:02 Do you  want me to make any new trades on Monday or not? That's what I say. So it's a weekly decision.  Yeah. You give it an opportunity to make buys or sells on a weekly basis based on what maybe  based on what the other models are doing. Yeah. Yeah. And sometimes they say no, we're going  to hold. Sometimes they say, "Yeah, sell this, buy this." Other times they say, and sometimes  they they leave a little in cash, so they're like, "Yeah, let's use some of that cash to buy more  of this or whatever."

07:26 So, yeah, they're they're acting very much like real investment advisors  now. Now, are you seeing one or more of the models being more of a copycat than the other? Like,  oh, Cloud's winning and it just bought Nvidia. I want to buy Nvidia. It might not be telling you  that, but are you witnessing that from any of the models that I I think I started to.

07:44 So, one thing  that I started to do is I mix it up when I I don't always show the other models what the other models  holdings are. I show them what the totals are, but not always the holdings because I don't want  them to be influenced by the holdings per se. Okay. And it changes often enough. They wouldn't  know unless I updated them what the holdings are.

08:10 Yeah. Yeah. So, devil's advocate here. If for  instance, Grock sees that Claude is crushing it, but it doesn't know what the holdings are. It just  sees the percentage, what different decision can it make based on that info if it wanted to? If  it does know or if it doesn't If it does know, if it knows that it's losing to Claude and you're  only a third of the way through this competition.

08:32 Yeah. What could it realistically do differently  if it doesn't know what Claude's buying? Well, if it doesn't, well, it'll just act more risky.  I'll show you the holdings. These guys are pretty risky. these AI models because I said you have to  win. I said you can be as risky as you want and um it's okay if I lose my money so don't worry about  it just win the competition.

08:47 So what it could be doing is let's just say that over the first  month Grock was up 5% and Claude was up 35%. Yeah. Grock could be assuming all right  let me look at these stocks like what stock like in the S&P really popped Google popped  by 40%. Maybe he's 60% weighted in Google. I'm going to go heavy on Google or I'm going  to buy options. Like it could be making assumpt like Claude owned Intel and Grock didn't and then  if Grock's like, "Oh, Claude's beating me.

09:17 I need to own Intel." Well, it's still playing catch-up.  Now it's own owning the same thing, but starting from behind. So, I think sometimes they copied  and then realized, "Oh, that's not going to work cuz I actually won't catch up." Yeah. Cuz I'm  already losing and I just bought the same thing. By definition, I will not be able to catch up  if I'm losing eye on the same thing.

09:39 Yeah. So, when I go through some of the holdings, you'll see  that there is some overlap still. I do think part of that though, or even all of that is not because  they're playing copycat. It's because it has been the smartest but one of the most riskiest plays.  Oh, okay. Yeah. Oh, there's a little teaser. Yeah. I'm curious to see if you were to play out  this test like an AB test.

09:59 Same amount of money, same five models, same general prompting, but the  only thing you change is show the holdings every week, the specific holdings. Yeah, I'm curious how  your performance would differ on the test. Yeah, I don't know. I mean, I would have had to start  that from the start, but basically now I show So, every week I show them the totals of the  others and I remind them of their holdings and I say, "What do you want me to change?"

10:25 And  then once a month I show them the holdings of all the others as well. M. So that's how often  they get to know what the others are holding. Only once a month. Yeah. Okay. Okay. Yeah. Yeah.  Cuz I'm wondering like if it knew that Claude was buying Google, Nvidia, Amazon. Yeah. And it  saw the returns from each and when it bought them when it sold them.

10:45 Yeah. And it's losing to  Claude, it might say, "All right, I'm going to buy instead of just buying Google, I'm going to buy  options for Google." Right. like I'm going to I'm going to do X, Y, or Z tweaks to what Claude's  doing because I think that W. So, I'd be curious to see how that would perform. Yeah. Someone  someone watching this should try that.

11:00 Yeah. Well, yeah. If you want, I can show you some of what  they've bought and what they're at, the portfolio values of each. Yes. Uh cuz Claude's more than  doubled my money already. So, pretty sweet. This started six months ago. So, are you using the  same Claude model the whole time or No, I always use the whatever the newest models are. Okay. So,  as 4.6 comes out, you switch 4.7.

11:20 Yep. Okay. Yeah. Have you noticed a correlation on return profile  to like which Opus model or which Croc model? Yeah. Honestly, no. I haven't analyzed it that  deeply because already in like the six months, I guess I'm probably on model three from Claude,  like the third new one, right? And the third new one from chat and maybe the second one from Gemini  Grock.

11:43 I don't keep track of updates as closely, but yeah. So, I don't know. Per model return.  That would be an interesting one, too. But I just kind of assume, okay, the newest  one's got to be the smartest every time. So, that's what I roll with. Well, and the market's  been the market overall has been pretty flat for 6 months, hasn't it? Yeah. Which is why this will be  interesting to show you how they more than doubled my money, some of them.

12:06 Yeah. Or at least one.  But the others have done really good, too. So, yeah. And it's interesting to see how their  holdings evolve over time. And it's interesting to see, especially the one that has been losing me  money, how it's been trying to catch up uh and be even more risky to try to catch up. It's like the  it's the sunk cost fallacy. The guy walks into the casino.

12:28 Yeah. He loses 300 bucks. He's like, I got  to earn it back. I got to earn it back. Next thing he knows, he's out 3,000 bucks. It's doing that.  Yeah. I mean, yeah. I mean, luckily, I can't lose more than $1,000 of from any given model, but I'm  getting close. So, one has more than doubled it. Um, and one has lost and the other three have made  money, but I'm getting close to doubling the the original 5K overall.

12:51 Wow. Yeah, man. And I've been  such a Claude Homer for a few months now. Like, I wonder what it would look like if you had  just put it all in Claude. I mean, of course, you know what it would look like. Yeah. You could  run the numbers. Yeah. But then it wouldn't be as interesting. You wouldn't learn as much. Yeah.  Yeah. And I was telling a friend about this the other day, and he's like, "Ah, why didn't you put  50 grand in?"

13:07 I'm like, "Okay, dude. What? What? Not everyone has 50 grand lying around. Yeah. But  yeah, sure. In hindsight, I wish I would put more in. Why didn't you buy Bitcoin in 2009? Yeah.  Yeah. Exactly. What were you doing? Yeah. So, but no, it's interesting and and it'll be interesting  um to see how this evolves over time. I see I've seen someone on X that is doing a similar thing  but just with crypto but they're having the models run it.

13:33 another one another person on X I saw  them doing it but in Poly market the like gambling basically platform which we don't endorse. Yeah.  So anyway so people are trying it in different ways and um but no I thought it was interesting to  just do it in the stock market. So although Schwab has the ability to buy cryptoreated things too.  Okay. Now are you only buying and selling stocks or are you doing options trading?

13:57 Yeah. So I said  options is on the table and I said whatever crypto things are on Schwab is also on the table. Okay.  But I think that's only like Bitcoin, Ethereum and Salana are the three big ones. And has it given  you any crypto trades to to make? Yeah. What crypto trades has it given you to to make then?  Yeah. So uh Gemini had me buy a 2x Salana ETF.

14:15 So Salana is a cryptocurrency and there's a thing  that whatever Salana does, this thing does two times that. So indirect exposure to Salana. You're  not buying the coin itself, but you're buying the price movements. Yeah. Times two. Yeah. And Salana  went down one way or the other. Yeah. Yeah. So Salana went down. So this thing went down double.  Yeah.

14:43 Yeah. And uh Yeah. That's how Gemini uh lost more than half of my money that I Oh my gosh.  Yeah. What percentage of your money did it tell you to put in there? It was pretty high. So,  I don't own that thing anymore in in Gemini because uh it sold it. Uh it realized how bad it  was. So, it bought like $500 of that Salana 2X stock. Okay. And it sold it at 162 bucks.

15:09 Oh,  brutal. Yeah. Yeah. So, that was a big loss on that one. Okay. And now all of its money, well, it  has some in cash in Gemini and it has the rest in an ETF, which for those of you who don't know,  an ETF is like a mutual fund. It's just like a group of stocks. It has it in the ETF with  the ticker symbol of BOTZ, which is a global robotics related ETF.

15:37 I had never even heard of it  before it told me to buy that. That's what it is. um it hasn't owned it for that long that it's  up six bucks in that but that's what Gemini has right now. Okay. But it's in last. I think  that is a worthy bet to try to catch up with. Yeah. You know, AI robotics. Like there's  a lot of hype around that. So yeah, I want you to do something right now.

16:01 Open your  bank statement and add up every single software subscription that you're paying for. your CRM,  your email marketing tool, text message platform, calendar booking app, funnel builder, review  management, even a separate form builder or automation tool. I've talked to business owners  paying $500 to $3,000 a month across eight or 10 different tools and half of them don't even talk  to each other.

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16:48 That's 600 a month if you're not  counting. He moved everything to high level and cut his software cost by over 80%. But the best  part isn't even the savings. It's that everything just works together natively. A lead fills out a  form on your funnel that creates a contact in your CRM, which triggers a text and email sequence,  books an appointment on your calendar, and then ask for review when the job's done.

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17:28 Do you know what the  thesis was? It was just like Well, it it bought it when crypto was still kind of going up. So, like  catching momentum. Yeah, cuz this maybe was like October or November of last year or something.  And then I mean honestly, it just bought it at like perfectly the wrong time. So, yeah, that's  what I do. Yeah. Yeah. As good as me.

17:42 Yeah. Yeah. So, yeah, that's what uh that's what Gemini has  done. Okay. Grock, what Grock owns right now, which has been a most of what the gains have  come from is from this, is a a technology ETF that does 3x what normal technology companies do.  So, this one's a suite of technology companies. What do you mean 3x? It's a ETF that does  three times whatever the stocks in it do.

18:08 Oh, okay. Yeah. Okay. So, it's like triple leverage.  Yeah. Yep. Triple leverage. One way or the other. Yeah. Yeah. But Yeah. So like this one would  like own like Microsoft and Amazon inside of it, but this thing does triple the leverage of of  whatever those do. So that's what Grock has. It's comparable to buying an option then,  right? Like you can multiply your returns with the same amount invested.

18:35 Yeah. Perplexity  and chat GPT are basically at the same right now. Same amount. Perplexity initially had lost money  for me. I don't remember what it was on. And then it bought SO XL, which is another triple leverage  thing on semiconductors, semiconductor stocks, which are hot because of AI right now. So  that's what Perplexity has all of its money in.

19:01 And that's what ChachiBT has most of its money in.  Same thing. So both independently invested in that without knowing the other was or they I'll get to  that. I don't think so. Okay. Yeah. So yeah. So chat GBT portfolio has that too. And then it also  has TQQQ which does triple what the NASDAQ does. Okay. So as you can see viewers, listeners,  Chris, they're being pretty risky.

19:22 A lot of triples. This is not financial. Yeah. Definitely  not financial advice. Well, it is from them. Not from me though. Yeah. Yeah. So triple  whatever the NASDAQ does it it does that. But uh almost all of ChachiBT's portfolio gains  has come from that semiconductor triple leverage SO XL. And then the current leader is Claude who  was the first to buy SO XL the semiconductor one.

19:53 So Claude bought it first and then Chat and  Perplexity saw it and I think they copied. Now you said you show them holdings once a month,  right? Yeah. But earlier I showed them more often and then I and then I think that they started  copying so I wanted to get away from that. So now so it saw Claude's pick was doing well.  Yeah. So what I'm interested to see is when Claude's going to tell me to sell this so XL  whenever that may be.

20:16 I'm not going to tell Chat and Perplexity. Yeah. I'm never going to tell  them. I don't want them to know that Claude sold. So whenever that happens I'm not going to tell  them. And then Claude bought a couple others and then Claude bought Intel as well at a good time.  So which is like a similar bet to semiconductors, isn't it? And Claude bought it.

20:37 So like the US  and Trump and stuff, it was a unique deal. Anyway, they own like part of Intel now. And that happened  last year. And when Claude told me to buy this, that was the thesis. It was like if if the Trump  administration and the country are investing in Intel, it was basically like, yeah, they're  going to pass like regulatory stuff or whatever that's going to be related to AI and data centers  and whatever.

21:05 It's going to be good for Intel. That's what that was the thesis it gave me to  buy it. Wouldn't it think it was that was already priced in? You know, you would have thought,  but it is up 285% on what it put in on the Intel buy. Holy cow. So, it put in it put in like 120  bucks in Intel and now that 120 is at 550. Now, is SO XL does that hold Intel as well?

21:29 So, you double dipping. It probably does. It probably does. Yeah. Yeah. I don't know all  of SO's holdings, but Yeah. How long after that Trump announcement did it tell you to buy? It was  one of its first buys, so it was probably pretty soon after. Yeah. Okay. Yeah. How many holdings  per model do you average at any given time? Claude has four. Uh the rest have like two or one.

21:54 Okay. Yeah. And they were being more diversified at the start, but uh yeah, pretty much all of them  now have two. I'm looking right now. They all have two or one. And yeah, at the start they were also  messing around with options and some worked, some didn't. And then they've all kind of settled into  these leveraged ETF type of plays. Okay. Um Yeah.

22:22 Did you give them an end end date to this? I said  I was going to do it for one year. Okay. Yeah. Are you still buying your own stuff as well alongside  this? Yeah. Yeah. I have my own portfolio that I that I run and invest in and um it's interesting  because now what I have to do is I try to keep the AI's recommendations. I almost like try to force  that out of my head.

22:39 Yeah. When I'm making my own decisions. But yeah, it's hard cuz it's like, oh,  well, they said that for theirs and it's actually going really well. So, I have bought some of  their stuff in my like SO XL. Uhhuh. Yeah. Yeah. And Intel. And Intel. Yeah. I want to go buy  Intel. Yeah. Yeah. I'm terrible at investing in stuff. Terrible. Yeah. So, yeah.

22:58 No, it definitely  And it's interesting like sometimes when they say something and they say their reason because I  always say like give me your reasoning. if it's something that I own or that I've been thinking  about buying, then it kind of gives me, you know, it makes me think more deeply or or differently  about that. Um, or if it was something that I wasn't thinking about, then, you know, gives me  a new idea.

23:18 And then when they sell something, which I think, you know, again, not financial  advice, but I think probably the hardest part with investing is actually knowing when to sell. Yeah.  I think it's a little easier to like you can zoom out and know when to buy. like, oh, you should  buy something that has good long-term potential after it's gone down or or before it goes up, if  you know, right?

23:38 But selling at a high at the peak to me, like psychologically, that's the hardest  part of investing because that's when you're the most excited. Yeah. And and you've made the  most money you have from that little investment is at that time. So, it's definitely not  human of you to be like, you know what, I'm so happy I'm going to walk away. Right? That  just is so rare.

24:00 Which is why I don't know you you just don't hear about stories very often of  people doing absolutely amazing consistently because of that. What you do hear I'm sure what  people hear is their random friends saying oh I made money on GameStop you know back in the like  co times. I made money there. Like you usually hear about people's random wins but you don't hear  about all their losses.

24:21 You're not going to say oh I bought this and it did this and here and then  I sold. Well, and as husbands, we always tell our wives about the wins and the losses. Yeah.  Exactly. But I've I've made that pretty easy for me. Like my framework is I don't sell. Yeah.  Period. Like if I had to sell to pay the mortgage, of course I would. But if I buy a stock like  I just bought Eli Liy, I I buy Robin Hood, I buy Tesla, Coinbase.

24:47 Yeah. I will never sell  them. The company will go out of business and I'll lose all my money or it will return Yeah. a lot.  And if you are generally making the right buys, which you know those ones seem good, like it's a  good thesis, those that'll work out. You just got to stay in the game, which is the other hard part  is like being willing to just stay consistent.

25:08 Yeah. Yeah. But anyway, what I'm hoping this does  for me personally is when they sell something, I'm hoping that'll help me do a better job at  selling things that I think like the SOL that's gone up a ton or Intel. If Claude or whoever  else says, "Hey, I'm I'm sell let's sell. Let's move on to the next thing." Then maybe I'll  sell some and mine my personal one.

25:26 Yeah. Um to just try to like build that more systematic  approach into my strategy, I guess you could say. What has this taught you about investing? Not  about specific stocks, but investing in general. It's been interesting, especially to watch Gemini  as it started losing my money and then basically became a gambler and how not good. And in its  defense, you told it it could be a gambler.

25:53 Yeah. Yeah. But like I think that's very humanistic as  well is like, "Oh man, I lost it." Whether you're in a casino, which is obviously the worst version  of this, or the stock market, like, "Oh man, I I I bought something, it went up, and and then  it went down. I got to make it back." Like, "How do I make it back?" Or or how do I make more?  That's just not a good I mean, that's not how you build wealth long term.

26:19 Yeah. And especially  starting out, that's something that I think a lot of people face. You know, the best antithesis of  this would be like Warren Buffett. It's just like steady like you just he just almost never sells  and he just buys good quality companies and just continues to pour money in them year-over-year. Um  so I think just trying to get because I've had an aspect of Gemini in me before.

26:41 If the portfolio  on paper that I had went up and then went down, then it's like, well, I got to get it back up to  where it is. I got to hurry and get it back up. Well, you know, I'm not like 80 years old  yet, so I don't need to hurry right now. Yeah. But that's been inside me in the past. So,  it's helped me, I don't know, rewire my brain on that side.

27:00 Yeah. And then on the on the  positive, on the when things are going upside, I think for sure that they've just done a good  job at like showing me, okay, this is my thesis on why I think you should, you know, buy this  and the Grock or Perplexi, whatever portfolio, and this is the return we're targeting in this  time frame. And but if this if the reason we're buying it doesn't happen, then we're going  to sell.

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28:27 We also have a 5-day first client  challenge where we can walk you through landing your first paying client in 5 days. You also get  my frameworks for cold email, Facebook ads, SMS, cold calls, and then I hand you my leads galore  spreadsheets with actual leads in your niche, in your area. We've already got over 200  people in there building real agencies.

28:46 If you miss a live call, it's all recorded.  So, if you've ever thought about starting an AI consulting business or AI implementation  business, go check out playmakersai.com. Eli Liy does stuff with GLP1s and peptides, which I'm sure  is why you bought it. If for some reason though, those went away or came out that it's  a scam or they're actually bad for you, well then you should probably sell Eli Liy.

29:07 Yeah. If if that comes out because that current valuation is also based on the same thesis.  Yeah. So being more like, okay, I'm buying this because of why and it has to happen between  when. And some things don't have to happen in a certain time frame, but if you're buying some  potential drug that needs to like be approved, well, that there's like some time constraints  and some things that need to happen there.

29:34 Whereas like Walmart, h doesn't really matter.  People just need to keep buying, you know, food and you'll be fine. Yeah. So thinking through  thesis more deeply has also been a thing that this little AI competition has helped me with. So  last year I posted an episode where I built this vibe coded tool called Neil stocks. Ne stocks  and it stands for network effects founder le.

29:57 Okay. Only companies that enjoy network effects  which is a company that gets stronger based on how many people use it. Facebook has network  effects because the more people that join Facebook the more friends everyone on Facebook has. So  they're more likely to stay on there, right? And then founder, the data shows that companies,  publicly traded companies that are still founder, like Facebook, do better.

30:17 They outperform. It's  their baby. They take good care of it. Yeah. So, I kind of put those two together and I vibe  coded this tool that uh back test data for me and it shows compared to the S S&P if I were to  spend $100 at IPO date for on a company that is NEL network effects founder led Robin Hood's  a great example there's still founder and they have a ton of network effects and at basically any  time frame it outperforms significantly the market but what the big question is is like when do you  buy when do you

30:48 Sure, you can buy at IPO day. Like StubHub is Neil, right? It's it's network  effects. It's founderled. It they just went public last year, so I bought some. Yeah. It hasn't been  good so far, but it's like I'm going to hold it forever, so whatever. Yeah. But like if you aren't  able to buy at IPO day, which you're not usually, when do you buy? When do you sell?

31:09 So, I would be  curious to do this test. Yeah. On a more specific thesis. Yeah. Same thing. Here's $1,000, five  models. Compete against each other. Don't be afraid to be risky, but only buy knuff stocks.  And it's a range, too, because like Google, like Sergey and and Larry Paige, they're like  on the board and they're influential. Amazon, Jeff Bezos is influential.

31:29 Yeah. So, it's it's  not founderled, but it kind of is. Yeah. Yeah. So, I also have like a 1 to 10 scale for both of those  two variables, right? So, it's like here's the list of companies that cuz like Facebook would  be 10 out of 10 on both. Yeah. Easy. Yeah. Easy. And the return show it, right? Yeah. So, it's  like, "All right, here's the list. Here's the scale."

31:49 So, you know, like where they are in this  range. Only invest in these stocks based on what you see in the scale and whatever. I'd just be  curious to see how well that does or not. Yeah. Yeah. No, that'd be cool. That'd be You should  do that test. That'd be awesome. I think I will. Yeah. So, what are what are the results? Yeah.  I'm glad you asked.

32:04 Okay. I will pull them all up right now. So, Gemini's in last again. They  all started with a,000 bucks real money. Gemini is at $445. Grock is at $1451. So, it's up 45%.  I'm surprised by that. Yeah. In like 5 months. Perplexity is at $1,731 and Chetch is at $1,739.  Holy crap. 70% each. So, they're up 70% and they both own currently only they both own SOL, that  semiconductor triple leverage one.

32:35 And then chat also owns the TQQQ, the triple leveraged NASDAQ  one. I meant to ask you this question earlier. What models are Perplexity using? Yeah. Yeah.  Perplexity, it doesn't seem to use Grock very much. So, it's usually using Claude, Opus, Chat,  and Gemini. And then every now and then it'll like I'll see like a random Chinese one of  those open source models.

33:02 Yeah. Yeah. Okay. Yeah. But it's choosing which model to use. You're  not Yeah. No, it trudges. I I never tell it. So, yeah. Interesting. Yeah. So, they're both up a  little over 70%. Oh, I just refreshed it. Chat just went up another few bucks. Okay. Claude,  though, is at 2400 bucks. Yeah. So, 1,000 has gone to 2400. And uh Yeah, Claude's killing  it.

33:26 So, everybody just needs to try to catch up to Claude on here. Oh my gosh. Yeah. So, in  total, my 5,000 is like $7,800. Jeez Louise. Yeah. And that's with so Gemini being horrible%. Yeah.  Okay. Now, what is from the day you started, what is the market up or down? Oh, good question. Okay.  So, since I started, the S&P has gone from 6800 to 7,100%. Yeah.

33:56 So, S&P's up five. My AI group  together is up 60 and Claude is more than doubled. So overall, you've 12xed the market. Yeah. And  you've like 30xed unclog. Yeah. And I've been keeping my kids in the loop on this because I told  them that this is basically their college fund to basically or is is Yeah. This will cover one  semester for one of you. Two semesters at BYU.

34:26 Yeah. Yeah. You know, cuz I've wanted to teach  them about stocks. Yeah. And and just investing in general. Um, but it's not always the most exciting  topic, but this is pretty exciting to them because I'm like, "Hey, look at Claude. Oh, look  at chat. Look at Oh, look what Google messed us up with, you know, Gemini." So, yeah, they are a  lot more excited to hear the weekly updates.

34:42 Um, yeah. Than than I think they otherwise would have  been. Well, for my kids, I would love to have them do this. I will give them $100. They can split it  up between the five models or whatever. That way they can learn AI, they can learn prompting,  and they can learn investing allin-one. Yeah. Yeah. Totally. Yeah. And we'll charge 20%  interest. Yeah.

35:03 Totally should. It's always good to charge your kids interest. Make them  learn how the real world works. Clip that. Yeah. Okay. So, to recap, it's been 6 months. It's not  over yet. Theoretically, you still could lose all your money. Yeah. But the market's been fairly  flat. At least, you know, in this market, 5% is is fairly flat. Yeah. But you've outperformed by  10 to 30x.

35:25 Yeah. And I think that the next six months, the market is going to go up more than it  has. And I think that these holdings that they're in currently at least will even do more than what  the market will do over the next 6 months, too. So, it'll be interesting. I could do like a year  update with you uh to see what happens one year in or who won because uh yeah, I think it's going  to keep I think they're doing a good job.

35:51 I think it's going to keep going up. Yeah, I recorded  another video like this where I did the same test but with one day expiring options. So, we'll link  to that. Well, Brandon, where can we find you? Brandon Doyle on on X and something like  that on Instagram and uh yeah, you can uh look us up on uh tkowners.com too if you want to  join a community with a bunch of entrepreneurs.

36:17 Uh good times. Okay, thanks Brandon. Yeah,  thanks. If you like this content, please share with a friend, hit a like or a comment  below, and we'll see you next time on the Kerner

💡 Answer

Claude won after about six months, growing $1,000 to $2,400, while the five-model portfolio grew from $5,000 to about $7,800.

🧠 AI Summary

Five AI models—Claude, ChatGPT, Gemini, Grok, and Perplexity—each managed $1,000 in real money in separate Charles Schwab portfolios beginning in late 2025. They received weekly opportunities to buy, sell, or hold and competed to outperform the others. After about six months, Claude had grown to $2,400, ChatGPT to $1,739, Perplexity to $1,731, Grok to $1,451, and Gemini had fallen to $445, bringing the total from $5,000 to about $7,800. The combined portfolios rose about 60% while the S&P rose from 6,800 to 7,100, but the experiment remains unfinished and highly risky because the models concentrated in leveraged ETFs and sometimes escalated risk after losses. The experiment also highlighted the danger of chasing losses and the value of defining an investment thesis, conditions, and time horizon before buying.

🔑 Key Points

  • Each of five AI models managed $1,000 of real money in a separate portfolio.
  • Claude was the leader at $2,400 after about six months.
  • Gemini was last at $445 after buying a 2x Solana ETF that fell more than Solana itself.
  • ChatGPT and Perplexity each had about $1,700, while Grok had $1,451.
  • The portfolios became concentrated in leveraged ETFs, including SO XL and TQQQ.
  • The total portfolio value rose from $5,000 to about $7,800, compared with an S&P move from 6,800 to 7,100.
  • Gemini's attempts to recover losses demonstrated how chasing losses can increase risk.
  • The experiment was planned to run for one year and had not finished.

✅ Actionable items

  • Fund separate brokerage portfolios with equal amounts and assign one AI model to each.
  • Prompt each model to provide real trade recommendations and permit high risk within the defined experiment.
  • Ask each model weekly whether to buy, sell, or hold after showing portfolio totals and reminding it of its holdings.
  • Show the models the other portfolios' specific holdings only once a month to reduce copycat behavior.
  • Record each model's investment thesis, target timeframe, and conditions that would trigger a sale.
  • Compare the combined results with a market benchmark such as the S&P.
  • Run a separate test restricted to companies with network effects and founder leadership.

💡 Business ideas

Run an AI investment experiment restricted to network-effects and founder-led companies.31:14

Give five models equal capital and allow them to compete while selecting only companies rated on network effects and founder leadership.

For
Investors interested in testing AI decision-making and investment theses.
Solves
Tests whether a specific investment thesis produces better timing and selection decisions.
Validate by
Compare five model-managed portfolios against one another and the S&P.
  • Facebook
  • Robinhood
  • StubHub
  • Google
  • Amazon
Offer local businesses AI consulting and implementation services.27:40

Set up and manage AI tools, voice agents, and automations for clients.

For
Local businesses.
Solves
Helps businesses implement AI without building the systems themselves.
Validate by
Attempt to land a first paying client through a five-day challenge.
  • AI voice agents
  • Automation templates
  • Cold email
  • Facebook ads
  • SMS
  • Cold calls

🏗️ Business models

AI-managed investment competition10:10

Equal pools of real money are assigned to multiple AI models, which compete based on portfolio performance.

  1. Fund each model with $1,000.
  2. Ask each model for an initial trade.
  3. Execute the trades in separate brokerage portfolios.
  4. Review performance weekly.
  5. Allow each model to buy, sell, or hold.
  6. Compare results with the other models and the S&P.
  • Claude
  • ChatGPT
  • Gemini
  • Grok
  • Perplexity
White-label business software resale17:11

Businesses can resell HighLevel as their own software platform to other businesses.

  1. Use the unified platform for business operations.
  2. White-label the platform.
  3. Resell it to other businesses.
  4. Charge recurring monthly fees.
  • HighLevel
AI agency services27:40

An AI consulting or implementation business sets up and manages AI tools for local businesses for recurring fees.

  1. Find local business clients.
  2. Set up AI tools and automations.
  3. Manage the tools for clients.
  4. Charge monthly service fees.
  • AI voice agent frameworks
  • Automation templates
  • CRM and messaging workflows

💰 Monetization

AI software subscription Starting at 97 bucks a month. 16:51

HighLevel charges for access to an all-in-one business software platform.

  • CRM
  • Email
  • SMS
  • Funnels
  • Websites
  • Calendars
  • Automations
  • Reputation management
  • Invoicing
White-label software resale Charge them 2 to 500 bucks a month. 17:11

HighLevel can be resold under another business's brand.

  • HighLevel
AI agency retainers $500 to $5,000 a month. 28:00

AI agencies charge local businesses to set up and manage AI tools.

  • AI consulting
  • AI implementation
AI model subscriptions At least $20 a month for each of the five models. 04:50

The experiment used paid subscriptions as an incentive for models to win.

  • Claude
  • ChatGPT
  • Gemini
  • Grok
  • Perplexity

📣 Marketing

Sales

  • Use a five-day first-client challenge to help land a first paying client.

Branding

  • White-label the software platform and resell it as the agency's own software.

Distribution

  • Deliver AI agency services through deployed tools, templates, voice agents, and automations.
  • Use live training calls and recorded sessions to distribute agency education.

Customer acquisition

  • Use cold email, Facebook ads, SMS, and cold calls to find AI agency clients.
  • Use leads spreadsheets containing leads by niche and area.

🔍 SEO & discoverability

Other channels

  • Facebook ads
  • Cold email
  • SMS
  • Cold calls

🧭 Frameworks

Network Effects Founder Led29:50
  1. Identify companies with network effects.
  2. Identify companies that remain founder-led.
  3. Rate both variables on a 1 to 10 scale.
  4. Backtest performance against the S&P.
  5. Use the list and scores to select investments.
Investment thesis and time horizon28:58
  1. Define why the asset is being bought.
  2. Identify what needs to happen for the thesis to work.
  3. Set a relevant timeframe when the thesis requires one.
  4. Sell if the thesis fails or the required event does not occur.

🧰 Tools & AI usage

  • Charles Schwab — Brokerage account used to hold and trade the five portfolios.04:22
  • Perplexity — AI model that selects other models, including Claude, ChatGPT, and Gemini, to inform its decisions.32:53
  • Neil stocks — Vibe-coded tool for backtesting network-effects and founder-led public companies.29:28
  • HighLevel — Unified CRM, email, SMS, funnel, website, calendar, automation, reputation management, and invoicing platform.16:49

AI is used for

  • Investment selection and portfolio management — Generate real trade recommendations and manage five competing portfolios.10:10
  • Portfolio comparison — Evaluate performance against the other AI models and decide whether to trade.06:35
  • Investment thesis generation — Explain why to buy an asset, identify a target timeframe, and define conditions for selling.23:05
  • Backtesting — Evaluate a network-effects and founder-led stock-selection strategy against the S&P.29:28

📊 Numbers mentioned

Costs

  • Businesses were described as paying $500 to $3,000 a month across eight or 10 software tools.
  • One example totaled $600 a month across ClickFunnels, Mailchimp, Calendly, a review tool, and Zapier.

Growth

  • Claude grew from $1,000 to $2,400.
  • Grok reached $1,451, up 45%.
  • Perplexity reached $1,731.
  • ChatGPT reached $1,739.
  • Gemini fell to $445.
  • The combined portfolios reached about $7,800 from $5,000, up about 60%.
  • The S&P rose from 6,800 to 7,100 and was described as up five.
  • Intel rose 285% from the reported $120 investment to $550.

Pricing

  • $1,000 assigned to each AI model.
  • $5,000 total starting capital.
  • At least $20 a month for each AI model subscription.
  • HighLevel starting at 97 bucks a month.
  • AI agency fees of $500 to $5,000 a month.
  • White-label software pricing of 2 to 500 bucks a month.

⚖️ Advantages, risks & lessons

Advantages

  • AI models provide explicit investment theses and reasons for trades.
  • Separate portfolios make performance comparisons possible.
  • Weekly reviews create a systematic decision process.
  • The approach can expose investors to ideas they were not considering.
  • A unified business software platform can reduce tool fragmentation and native integration work.

Risks

  • Leveraged ETFs amplify losses as well as gains.
  • AI models may become more aggressive after losing money.
  • Models can copy successful trades and remain behind while attempting to catch up.
  • The experiment could theoretically lose all the money in a portfolio.
  • The models' results were based on a short period of about six months.
  • Investment decisions may be influenced by model updates and changing model behavior.

Lessons

  • Chasing losses is not a reliable way to build long-term wealth.
  • Investment decisions should connect a purchase to a clear thesis and timeframe.
  • Selling can be psychologically harder than buying.
  • Consistent investing and staying invested were presented as important to long-term results.
  • Separating AI recommendations from personal investing decisions can be difficult.

💬 Quotes

Claude's more than doubled my money already.

Summarizes the experiment's strongest reported result.00:00

That's just not a good I mean, that's not how you build wealth long term.

Captures the conclusion about chasing losses after Gemini became more aggressive.26:14

My framework is I don't sell. Period.

States the personal long-term holding approach described in the discussion.24:20

📈 Investment analysis

mixed

Assets

Claude portfolio bullish
portfolio

The best-performing AI-managed portfolio, valued at $2,400 after starting at $1,000.

ChatGPT portfolio bullish
portfolio

AI-managed portfolio valued at $1,739 and concentrated largely in SO XL and TQQQ.

Perplexity portfolio bullish
portfolio

AI-managed portfolio valued at $1,731 and holding SO XL.

Grok portfolio bullish
portfolio

AI-managed portfolio valued at $1,451 and associated with a triple-leveraged technology ETF.

Gemini portfolio bearish
portfolio

AI-managed portfolio valued at $445 after losing more than half its original money.

BOTZ BOTZ neutral
ETF

Global robotics-related ETF held by Gemini.

SO XL SO XL bullish
leveraged ETF

Triple-leveraged semiconductor investment held by Claude, ChatGPT, and Perplexity.

TQQQ TQQQ bullish
leveraged ETF

ETF described as delivering triple the performance of the NASDAQ and held by ChatGPT.

Solana bearish
cryptocurrency

Cryptocurrency whose decline caused a 2x Solana ETF to fall twice as much.

Intel bullish
stock

Claude bought Intel based on a thesis involving government investment, AI, data centers, and regulatory developments.

S&P neutral
index

Benchmark used to compare the AI portfolios' performance.

Price references

AssetPriceTypeTimeframeContext
Claude portfolio USD 2400 portfolio value about six months Started at $1,000. 33:15
Gemini portfolio USD 445 portfolio value about six months Started at $1,000. 32:10
Grok portfolio USD 1451 portfolio value about five months Up 45% from $1,000. 32:15
Perplexity portfolio USD 1731 portfolio value about six months Up about 70% from $1,000. 32:25
ChatGPT portfolio USD 1739 portfolio value about six months Up about 70% from $1,000. 32:25
All five portfolios USD 7800 total portfolio value about six months Started with $5,000. 33:31
Intel USD 120 initial investment The investment was later valued at $550. 21:14
Intel USD 550 current value The $120 investment was reported as up 285%. 21:14
2x Solana ETF USD 500 initial investment Gemini bought about $500. 15:02
2x Solana ETF USD 162 sale value Gemini sold the position at $162. 15:09
S&P 6800 to 7100 index level range since the experiment started The S&P was described as up five. 33:53

Predictions

  • up AI-managed portfolios — The current holdings will outperform the market over the next six months. (next 6 months)
    The current holdings had already outperformed the market during the first six months.
    35:40

Actions noted

  • Buy and later sell 2x Solana ETF @ $500 initial purchase; sold at $162.
    Gemini bought it during upward crypto momentum and sold it after Solana declined.
    14:30
  • Buy Intel @ $120 initial investment.
    Based on expected government investment and developments related to AI and data centers.
    20:33
  • Review weekly and allow buy, sell, or hold decisions. AI-managed portfolios (weekly)
    Decisions are based on each portfolio's holdings, performance, and the need to beat the other models.
    06:20

Market factors

  • Leverage — Amplifies both gains and losses in the portfolios. 18:15
  • AI and semiconductor enthusiasm — Supported investments in robotics, semiconductor, and technology ETFs. 19:18
  • Government investment and regulation involving Intel — Formed part of the thesis for buying Intel. 20:52
  • Loss chasing — Led Gemini toward increasingly risky behavior after losses. 25:52

👤 People & companies

Brandon Doyle

Person associated with the experiment and guest identified at the end of the interview.

03:36
Chris

Person who started the AI investment experiment and managed the portfolios.

10:57
Charles Schwab

Brokerage account used to hold the five AI-managed portfolios.

04:22
Google

Company associated with Gemini and mentioned as an investment.

02:24
Intel

Stock bought by Claude based partly on expected investment in AI and data centers.

20:33
Facebook

Example of a company with network effects and founder involvement.

30:03
Amazon

Company mentioned as an investment and as having founder influence through Jeff Bezos.

10:13
Microsoft

Example holding inside a technology leveraged ETF.

18:25
Eli Lilly

Stock mentioned as a personal holding based on a thesis involving GLP1s and peptides.

24:42
Robinhood

Stock mentioned as a personal holding and as an example of network effects and founder leadership.

24:42
Tesla

Stock mentioned as a personal holding.

24:47
Coinbase

Stock mentioned as a personal holding.

24:47
Walmart

Example of a company whose investment thesis depends on continued consumer purchases rather than a specific deadline.

29:34
StubHub

Company described as network-effects and founder-led that had recently gone public.

30:54
HighLevel

All-in-one business software platform promoted for CRM, email, SMS, funnels, websites, calendars, automations, reputation management, and invoicing.

16:31
ClickFunnels

Business software subscription mentioned in a cost comparison.

16:42
Mailchimp

Email marketing subscription mentioned in a cost comparison.

16:42
Zapier

Automation tool mentioned as a way to connect separate software products.

16:25

🔗 Links mentioned