What a Stock, ETF or Fund Is and What Moves Its Price, in Plain Language

What you need

The snapshot template is optional. Without it, the prompt explains the holding on its own. Paste it above the prompt and the model can also say what share of your assets this holding makes up, which tells you how much its ups and downs matter to you. Then fill in these lines:

• Holding: [ticker or fund name]
• Current price and currency: [price]
• Price 30 days ago and 12 months ago: [price] / [price]
• Fund TER and top holdings: [TER and the top ten holdings with weights, or "not a fund"]

TER, the total expense ratio, is the fund's yearly running cost as a percentage of what you hold. The fund's factsheet shows it, together with the largest holdings and their weights. Copying the top ten from the factsheet lets the model tell you whether a fund that owns hundreds of companies depends heavily on a few of them.

For a single company, the price lines are enough. Write the name the way your broker shows it, and add the exchange if the company trades in more than one place, so the model explains the right business.

Here is my financial snapshot. Use only these numbers.

Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]

ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...

LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...

CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are a patient guide explaining one investment to someone new to investing.
Define every financial term the first time you use it.

Holding: [ticker or fund name]
Current price and currency: [price]
Price 30 days ago and 12 months ago: [price] / [price]
Fund TER and top holdings: [TER and top ten with weights, or "not a fund"]

Answer in these sections, in this order:
1. Facts and performance: the 30-day and 12-month change in percent, with the
   arithmetic, and the asset type and sector if you know them.
2. What it does: how the company earns money or what the fund holds, and
   whether it is mainly about growth, income or stability.
3. What moves it: the main economic and industry drivers and the main risks,
   described calmly. For a fund, say whether a few holdings dominate.
4. What is missing: the information that would change this picture.
5. Plain conclusion: a short summary and up to three things to keep in mind
   while tracking it. If my snapshot is above, say what share of my assets
   this holding is.

If you cannot browse, say that you have no live prices. If a figure is missing,
ask me for it instead of estimating. No forecasts, no buy, sell or hold opinion
and no other products to consider.

What good output looks like

The five sections should arrive in order, with no verdict at the top. Say you pasted an invented world equity ETF at €102.00, against €98.50 thirty days ago and €91.00 a year ago. The facts section should give +3.6% over 30 days and +12.1% over 12 months, with both divisions written out.

The second section says what you own in everyday words: small slices of many large companies in several countries, held mainly for long-term growth. ETF and market capitalization get one-sentence definitions where they first appear.

For a fund, the drivers section uses your factsheet lines. If the top ten holdings add up to 24% of the fund, the model should say that about a quarter of your money follows ten companies, which tells you more than the total number of holdings. Risks are described plainly: a broad fall in share prices, currency moves between the fund's holdings and your own currency, or one sector growing to dominate.

The missing information section names what the data leaves open, such as how gains would be taxed for you or how long you plan to hold. The conclusion lists up to three points, for example the cost: a TER of 0.20% on CZK 250,000 comes to CZK 500 a year. If your snapshot is attached, it also states the holding's share of your assets.

What this can't tell you

A plain explanation simplifies. Share classes, how a fund copies its index and how its dividends are taxed get squeezed into a sentence or dropped. If your chat tool cannot browse, it has no live price for the holding and may describe a fund from an older factsheet, so compare it with the provider's current documents. Small companies and lesser-known funds are where models most often describe the wrong business.

Two price points leave out how bumpy the year was. The model cannot tell you what tax you would pay on a sale in your country, and it can miscalculate percentages, so check the facts section. Judging how the holding fits with the rest of what you own needs the snapshot or a portfolio prompt.

Doing this without the retyping

Outside the app, you look up prices and copy a factsheet before every explanation. In Sumio, "Holding Explained in Plain Language" is one of the 62 prompts in the AI assistant, which is part of Premium. It runs on a stock or fund you already track, and the app supplies the holding's details and its 30-day and 12-month price history. Your records are stored on your device; running the analysis sends the figures it needs to an AI provider.