AI is a gift to DIY investors – and a threat to wealth managers

ملخص مفصل

Cheap research tools are putting sophisticated analysis within reach of ordinary investors, but financial judgement still matters, says Novaque's Shiven Moodley.

AI gives ordinary investors access to research capabilities once reserved for professionals, putting pressure on investment houses to demonstrate what clients are paying for.

Speaking on the Moneyweb Crypto Pod, Shiven Moodley of advisory boutique Novaque says investors can use AI to analyse company financial statements, interpret stock exchange announcements and explain complex investment concepts in plain language.

For South Africans investing a few hundred rand a month, this offers a way to move beyond stock tips on social media towards more informed decisions.

The starting point could be a company’s annual report, supplemented by announcements and reliable share price data.

Investors can ask an AI model to assess the business against the broader economic backdrop and explain concepts such as discounted cash flow.

But better access to research does not remove the need to understand the investment.

There’s a real potential threat here to wealth and professional managers.

In Natixis’s 2025 wealth industry survey, 52% of wealth managers said AI was making automated advice a meaningful competitive threat.

Researchers at the University of Chicago found that ChatGPT, when given anonymised financial statements and carefully designed instructions, outperformed human analysts in predicting the direction of company earnings.

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