2026 Investor survey: perspectives on AI
Janus Henderson Investors surveyed 1,000 U.S. affluent and high-net-worth investors to examine how they use and perceive artificial intelligence in financial decision-making.
The findings show limited confidence in AI-generated investment advice, with concerns about biased recommendations, data security, preference for traditional methods and lack of trust among the main barriers.
At the same time, AI use is more common among younger and more affluent investors. Investor comfort with advisor use of AI varies significantly by task.
Respondents are generally receptive to AI supporting administrative work and educational content, but less comfortable when it is used for investment recommendations or personal communications.
The survey also finds strong expectations for transparency: 79% would be upset if their advisor used AI without disclosure, while 85% agree that the financial advisor remains ultimately responsible for AI-generated advice and materials.
Attitudes toward investing in AI are divided.
While 48% are confident that companies heavily invested in AI will deliver superior long-term returns, 52% are not confident; meanwhile, 67% are concerned about an AI bubble over the next 12 months, yet 61% expect AI to have a positive impact on market returns over the next five years.
The report also presents experimental findings comparing AI and human financial guidance, as well as investor willingness to pay advisors who use AI, and emphasizes the importance of maintaining human judgment, transparency and selectivity when integrating AI into financial advice and investment decisions.
Access the full report.
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