Disclaimer
Firstly and most importantly - AI is a fantastic assistant, an augment but it should not be used as a definitive decision maker.
What investments should I look at?
I've been using AI for over 6 months and thought I'd try and tease some investment ideas out of it. Below are some of the prompts I used.
what are the best fixed income funds I can buy in the uK - they can be from anywhere globally what are the rates of return on those over the last month up to the last 10 years - i want consistent performance and want above 5%
is there an instrument which leverages higher interest rates in other countries find me any investment which is SIPP eligible which has yielded returns of over 5% over at least a 5 year period
best annualised performance and where absolute return, including capital growth, is over 100% over 5 years best performing investments which are sipp eligible on an annualised basis
1/3/5/10-year returns, volatility stats, platform availability
Links are to AJ Bell research or Morningstar - I use AJ Bell as my SIPP provider. These are 4 I whittled down to.
| Investment | 1 Year Annualised (%) | 3 year Annualised (%) | 5 Year Annualised (%) | 10 Year Annualised (%) |
| Alger Focus Equity | 26.3 | 26.5 | 17.2 | -- |
| Fidelity Global Dividend Fund | 15.4 | 10.8 | 10.1 | 10.25 |
| Royal London Global Equity Select | 4.5 | 13.9 | 17.9 | -- |
| Guinness Global Innovators | 3.4 | 13.3 | 13.1 | 13.3 |
Alternative Investments?
I then went off on a little bit of a tangent. Cocoa has exploded since early 2024 so I asked why that was.
why has wisdomtree-cocoa-unhedged-usd risen so much in the last 18 months and what other commodities may be showing similar trends or patterns
1. Severe Supply Shortages in West Africa
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Weather-related disruptions: Extreme rainfall followed by droughts in Côte d'Ivoire and Ghana—responsible for ~60–70% of global cocoa—decimated 2023–24 yields youtube.com+9bordbia.ie+9morningstar.com+9en.wikipedia.org+7foodnavigator.com+7investopedia.com+7.
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Diseases compounding the issue: Cocoa Swollen Shoot Virus has further reduced output en.wikipedia.org+4foodnavigator.com+4majesticspice.com+4.
These factors have created persistent deficits and pushed cocoa prices into record territory—rising from ~$3,500–4,000/t to peaks of $11,500–12,000/t
2. Market Imbalance & Speculative Dynamics
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Low stocks and high demand: Historic low inventories have fuelled price spikes as demand grew—particularly in North America and Europe .
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Swept-up buying: Speculators pulled back earlier, reducing market liquidity and exacerbating volatility and price swings wsj.com+1wisdomtree.eu+1.
