I asked ChatGPT to buy me the best S&P 500 stocks for 2025. Here are 3 found

Experts predict manufacturing artificial intelligence (AI) will perform many mundane tasks in the coming decades, adding billions to global productivity. Most of the leading innovators in S&P 500which is 23.3% higher than last year.

Can AI make stock picking ideas for me? Well, over the weekend, I asked ChatGPT for his ‘3 best S&P 500 stocks to buy for the next five years’. Here are the three he came up with.

Check out the bot’s responses

The top choice for the app was Nvidia (NASDAQ: NVDA), which said “driving the AI ​​revolution” in data centers with advanced graphics processing units (GPUs). It is classified as “picks and shovels provider of gold rush“.

Next, ChatGPT is gone Microsoft. It said the software giant has “transformed into a cloud and AI leader“. Its Azure platform is fueling the global digital revolution, while the company enjoys attractive recurring subscription revenue.

Finally, the AI ​​assistant named Visa (NYSE: V). The payments giant thrives as “tax collector” that benefits from the transition to a cashless world.

My thoughts

My first reaction to this choice is that it is very strong. All three companies are market leaders, with significant competitive advantages, exceptional profit margins, and top-notch management.

On the other hand, I also think they are very obvious. With market caps of $3trn+, Nvidia and Microsoft are the second and third largest companies in the S&P 500. Meanwhile, Visa is a $617bn juggernaut.

I have owned Nvidia stock in the past, while Visa is still one of my top holdings. Alas, I have never bought Microsoft stock, but I can get good exposure to it by simply buying the S&P 500 index tracker fund.

As expected, ChatGPT summarizes their business models and strengths well. However, the information it fixes is generic and can be found anywhere on the internet (not surprising given that’s where you found it).

Stock specific risks

The bot does not provide basic analysis, failing to mention for example that Nvidia’s gross margin decreased from 78.4% in Q1 2025 to 73.5% in Q4 2025.

In addition, it was not mentioned that Nvidia stock trades at an eye-watering 32 times in a row. If the company’s future growth trajectory ends up being lower than expected, the valuation may become unstable.

Microsoft stock is in a similar position, trading at 32 times earnings. Much AI-driven growth has come at a price, including ChatGPT’s parent OpenAI (in which Microsoft has a large stake).

With Visa, ChatGPT overrides the JD Vance Credit Card Competition Act. The bill aims to reduce card swipe fees (typically 2%-4%) shared by payment processors such as Visa and the card issuing bank. If passed, this bill could have an impact on Visa’s profits.

This does not mean I will be selling my shares though. Visa has lobbied heavily against such legislation, arguing that it could lead to unintended consequences for businesses and consumers. But this context would be useful for people to know before making an investment decision, I would argue.

I will keep checking for these

I certainly wouldn’t bet against these three playing very well over the next five years. What I will do is track their performance to see if they really are the best S&P 500 stocks to buy right now.