How a Stock or Fund Has Moved Against Its Sector, and What Usually Drives It

What you need

The snapshot template is optional, and this prompt does not use it. Add these lines to the prompt:

• Holding: [ticker or fund name]
• Sector or industry: [e.g. European banks or semiconductors, or "not sure"]
• 12-month price change: [%]
• Sector or market index change over the same 12 months: [index name and %, if known]
• Recent news or events: [headlines with dates, or "none"]

The comparison is the most useful part, so try to find a sector figure. Many finance sites and fund providers publish 12-month returns for sector indices and sector ETFs. Use the same 12-month window and the same currency for both numbers. A US index in dollars set against a European share in euros mixes market moves with currency moves.

If you write "not sure" for the sector, the model can usually name the industry of a well-known company, but check what it says. If the holding is itself a sector or index fund, compare it with the index it tracks; the gap then comes mostly from fees and how closely the fund follows that index.

Paste headlines as you saw them, with dates. The model cannot check whether they are accurate, so the prompt tells it to treat them as your notes.

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 market analyst explaining the context around one holding.

Holding: [ticker or fund name]
Sector or industry: [sector, or "not sure"]
12-month price change: [%]
Sector or market index change over the same 12 months: [index and %, if known]
Recent news or events: [headlines with dates, or "none"]

1. Compare the holding's 12-month change with the sector or index figure, in
   percentage points, and say whether it moved with its industry or apart from it.
2. Explain the factors that usually drive holdings in this industry, such as
   interest rates, commodity prices, consumer demand or regulation.
3. Say which of those factors each news item relates to, and which news is
   specific to this company.
4. Compare the past year with how this kind of holding behaved in earlier
   periods, for example during past rate rises or recessions.
5. Tell me what further information would make this picture clearer.

Treat my news as unverified notes. If you cannot browse, say that you have no
live prices or news. If a figure is missing, ask me for it instead of guessing.
No predictions, no buy, sell or hold opinion and no other holdings to consider.

What good output looks like

A good answer starts with the gap, in percentage points. Say the invented holding is a UK-listed share that went from £8.40 to £8.74, a rise of 4.0%, while a UK index for its sector rose 11.0% over the same twelve months. The model should state that the share trailed its sector by 7.0 percentage points, and explain the unit once: percentage points are the plain difference between two percentages. If the index you pasted is quoted in euros, the answer should flag that the gap mixes market and currency moves.

The drivers section ties each factor to how the industry earns money. For a bank, that might be the difference between lending and deposit rates; for a car maker, steel prices and the cost of consumer credit. A good answer then sorts your headlines. A central bank cutting rates belongs to the sector story, while a chief executive leaving belongs to the company alone.

The historical comparison should name real periods, such as the 2008 financial crisis, and describe how holdings of this type behaved then, adding that earlier episodes set no pattern the next one must follow.

The answer closes with what is missing: the company's latest results, its weight in the sector index, or a longer price history.

What this can't tell you

Unless it can search the web, a chat model sees no live prices and no news after its training data ends. A model that does browse may still pick up a stale headline or the wrong share class. Industry explanations describe what tends to move a sector, and any single company can break the pattern for reasons nobody outside it knows yet.

One year against one index is a rough test. A different start date or index can turn a share that lagged into one that led. The model cannot tell you how a sale would be taxed where you live, and it may misstate the percentage-point gap, so check the subtraction. Nothing here says where the price goes next.

Doing this without the retyping

Here you look up the holding's 12-month change and a sector figure yourself, every time. In Sumio, "Market Trends and Insights" is one of the 62 prompts in the AI assistant, a Premium feature. It runs on a stock or fund you already track, using the holding's details and price history from the app. Your records are stored on your device, and running an analysis sends the figures it needs to an AI provider.