Time’s operating out to load up on this yr’s Shares and Shares ISA allowance and I’m accelerating my seek for high UK shares. So I made a decision to chop corners by asking ChatGPT for assist. I advised it I wished to create the peerlessly balanced portfolio from simply 5 FTSE 100 shares.

ChatGPT isn’t a stockpicker. It doesn’t have concepts of its personal. It simply sucks up stuff from the online, and regurgitates. So I needed to feed in cautious standards. Then I requested for a stability between progress and earnings, and undervalued and momentum shares, throughout totally different sectors. I did many of the legwork myself. Which is at it ought to be.

AI actually charges AstraZeneca

Its prime decide was pharmaceutical large AstraZeneca (LSE: AZN). Which simply occurs to be the most important inventory on the FTSE 100. An absolute newbie might need picked that.

My ‘bot bro’ mentioned few corporations mix defensive resilience with progress potential like this one, because it “its global presence and strong drug pipeline make it a long-term winner”.

It warned AstraZeneca’s valuation isn’t low-cost, with a price-to-earnings (P/E) ratio of slightly below 20. Personally, I’d even have cautioned that top investor expectations imply if its medicine pipeline slows, or Donald Trump assaults huge pharma, the shares might take successful.

ChatGPT’s subsequent decide was insurer Authorized & Common Group, which it calls “a long-term play on the UK’s ageing population”. Its shares not often go wherever, however the 8.9% yield definitely dazzles.

Since I personal the inventory, I can’t argue with this decide. However ChatGPT received its P/E horribly improper, claiming it trades at seven occasions earnings when in reality it’s a whopping 82.8 occasions. That follows a latest earnings slip that ChatGPT someway missed. As ChatGPT admits, it could possibly make errors. Completely.

I additionally personal its subsequent choice, shopper items group Unilever. Once more, I had quibbles. Sure, Unilever owns highly effective international manufacturers, corresponding to Dove, Persil and Magnum, and sure, “it delivers steady income and resilience, even during downturns”.

However ChatGPT didn’t point out that the board has misplaced its manner in recent times, forcing it to switch CEO Hein Schumacher after simply 19 months. Nor did it point out the menace from tariffs.

I fee all of those FTSE 100 shares

I don’t personal Rio Tinto, ChatGPT’s alternative from the mining sector, however want I did. It seems good worth with a P/E of simply 9, whereas yielding 6.6%.

Like each commodity inventory, it’s been hit by Chinese language troubles and the broader international slowdown, with full-year 2024 earnings falling in need of estimates. ChatGPT didn’t spotlight both, simply caught to generalities. No less than it received the P/E proper this time. I nonetheless assume Rio Tinto is price contemplating with a long-term view.

Lastly, ChatGPT served up a correct progress inventory – and an excellent one – through Data and analytics agency RELX. It mentioned it’s “quietly one of the best-performing FTSE 100 stocks in recent years, thanks to its subscription-based business model”.

RELX is dear, with a P/E over 30, however now could possibly be an excellent time to think about it with the shares down 10% within the final month. That’s me saying that, by the best way. ChatGPT by no means talked about it. The chatbot is nice enjoyable to play with, however I’ll by no means deal with it as a severe funding software.