Kedis ku xidhan hagaha · Fudud Heerka

ChatGPT ma siin karaa talo maaliyadeed? Kedis

Wuxuu tijaabiyaa waxa chatbots-ku u sharaxo si la isku halleyn karo, sababta ay ugu guul darraystaan su'aalaha lacagta shakhsi ahaaneed, iyo sida qalabka guud ee AI uu uga duwan yahay lataliyaha aaminka ah ee diiwaangashan.

Wadooyinka haga ee la xidhiidhaChatGPT ma siin karaa talo maaliyadeed
Su'aal 1 ee 8

According to the guide, what is the key legal difference between a robo-adviser and a general chatbot like ChatGPT?

Horudhac su'aal kasta8 su'aalo

Jawaabaha iyo sharraxaadaha waxay soo baxayaan markaad qaadanayso kediska.

  1. According to the guide, what is the key legal difference between a robo-adviser and a general chatbot like ChatGPT?
    • Robo-advisers use larger language models
    • Chatbots are regulated by FINRA and robo-advisers are not
    • Robo-advisers are registered investment advisers with fiduciary obligations; general chatbots have none
    • There is no legal difference between them
  2. Why might a chatbot give last year's 401(k) contribution limit?
    • Its training data may end before the new limit was published, unless it searches the web
    • The IRS blocks chatbots from its website
    • Contribution limits never change, so it cannot be wrong
    • Chatbots round every number down
  3. An investor asks, 'Should I sell everything since the market is crashing?' What tendency does the guide warn about?
    • The chatbot will refuse to answer any market question
    • Sycophancy: the chatbot tends to agree with the question's framing
    • The chatbot will automatically place a sell order
    • The chatbot will contact a licensed adviser
  4. Which request fits what the guide says chatbots do reliably?
    • Choosing the exact day to claim Social Security with no personal details
    • Picking individual stocks for next quarter
    • Deciding how much to put in an emergency fund without knowing your expenses
    • Explaining how a Roth conversion is taxed, with a worked example
  5. Which information does the guide say you should never paste into a chatbot?
    • Your approximate age range
    • Account numbers and Social Security numbers
    • A general description of your goals
    • The name of a fund you own
  6. Where does the guide suggest checking figures a chatbot gives you?
    • Primary sources such as IRS.gov and SSA.gov
    • A second chatbot conversation
    • Social media finance forums
    • The chatbot's own confidence rating
  7. How does the guide suggest handling arithmetic in a chatbot's answer?
    • Trust it, because models are trained on math textbooks
    • Avoid any question that involves numbers
    • Ask the model to show each step or compute in code if it can, then check the result
    • Rephrase the question until the answer looks right
  8. Under the Investment Advisers Act, what does a registered adviser owe clients that a chatbot does not?
    • Guaranteed investment returns
    • A fiduciary duty of care and loyalty
    • Free unlimited consultations
    • A promise never to charge fees