How to Use AI Advisor to … Understand the Market

Are you curious about how market moves affect your own portfolio, but don’t have time to sit down and cross check everything? Understanding how investments are performing — and what’s affecting it — is key to growing your wealth, but sometimes getting there is a little bit easier said than done. 

Topics related to the market and investing are among Origin members’ most frequently asked AI Advisor questions, and it answers them precisely and quickly, thanks to its real-time news capabilities. To show you what this looks like, here are two examples of questions you can ask AI Advisor to help you understand the market and your options. 

Get a topline summary by asking, “What's happening in the market?”

Over the past 7 days (December 23-30), markets showed a mixed picture with bonds leading gains while growth stocks pulled back after reaching near-record highs.

Market snapshot

The major indexes finished essentially flat to slightly negative, with U.S. Bonds surprisingly outperforming equities by gaining +0.39%. Among equities, the Dow Jones held up best with a marginal +0.04% gain, while the tech-heavy Nasdaq declined -0.37% — the weakest performer among major markets. The S&P 500 dipped -0.06%, while Bitcoin fell -0.15%.

What's driving the markets

• Tech profit-taking: The pullback was led by heavyweight tech stocks as investors questioned valuations near year-end highs. NVIDIA dropped 1.2-1.7%, Tesla fell 2.2-3.3% after hitting record levels, and Oracle declined 1.3%. AI-focused names like Palantir shed 2.4% as concerns mounted about whether massive AI capital spending will deliver promised returns.
• Year-end positioning: Trading volume remained thin at about 64% of normal levels, reflecting typical holiday-week caution. The S&P 500 is hovering near 7,000 — up roughly 17% year-to-date — with investors taking chips off the table before 2026.
• Bond strength: U.S. Bonds gained ground as recent inflation data came in tame (November CPI at +0.1% month-over-month), keeping Fed rate-cut hopes alive. This helped fixed income outperform risk assets.
• Sector rotation: Within equities, Materials bucked the trend rising +0.6%, while Consumer Discretionary, Financials, and Communication Services each fell between 0.2-0.4%. Precious metals pulled back sharply from recent records, hitting mining stocks hard.

What to watch

With markets essentially flat on average across asset classes, we're seeing defensive positioning ahead of the new year rather than strong directional conviction. Key factors for January include delayed economic data releases, actual AI infrastructure returns, and whether the "Santa Claus rally" materializes in the final trading days of 2025.

TLDR: You'll get a synthesized view of market movements and what's driving them in seconds, instead of piecing together information from multiple news sources and financial sites.‍

See how market moves apply to your financial goals by asking, “Is this a good time to invest?”

Looking at late December 2025, the answer is yes, with measured optimism — though "good time" matters far less than time in the market.

Why now works

Markets are essentially flat over the past week after a strong 17% year-to-date run. While tech stocks pulled back slightly from highs, analysts project mid-teens earnings growth for 2026 with the S&P 500 targeting 7,500-7,700 (another 10-13% potential gain). Fed rate cuts continue, inflation remains tame, and valuations show modest discounts in certain sectors.

The timing trap

Waiting for the "perfect moment" typically costs more than investing during volatility. With 33 years until retirement, a $50,000 investment today could potentially grow to approximately $634,000. Wait just one year hoping for better entry—even if markets drop 10% — and you'd likely end up with $528,000, losing roughly $106,000 to opportunity cost. 

Your situation

You currently have $142,526 invested (27% of liquid assets), well below the recommended 60% equity allocation for a 32-year-old with moderate risk tolerance. That's a $171,000 investment gap. The real question isn't market timing — it's whether your cash position serves emergency/short-term needs or represents missed growth opportunity. 

(Note: These projections assume 8% historical average return over 33 years; actual results subject to market volatility.)

TLDR: Rather than relying on generic market timing advice, you'll understand how current conditions align with your specific timeline, risk tolerance, and investment gaps.

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