Both ChatGPT and Gemini recommended low-cost index funds as the foundation for a Roth IRA portfolio in 2026, with the contribution limit set at $7,500 for most people. ChatGPT suggested 40% to 60% in a Total Stock Market ETF like VTI, FSKAX or SWTSX, 15% to 30% in international funds like VXUS or IXUS, and a 10% to 25% "growth tilt" in funds like QQQM, QQQ, VUG or SCHG. Gemini recommended a "Resilient Growth Core" of 60% to 70% in VOO, SPY or VTI, and a 10% to 15% "AI Productivity Satellite" in QQQM and VGT, but did not explicitly mention international diversification. Gemini anchored its advice in 2026 market conditions, citing Morgan Stanley's forecast that the S&P 500 could reach 7,800 driven by a 14% earnings boost from corporate tax incentives, and called 2026 a "sweet spot" for fixed income with bonds offering yields around 4.8%. ChatGPT avoided specific predictions, noting volatility may stay elevated in 2026 and that rate cuts usually favor growth stocks, but framed advice as universal principles.