Market crashes often create panic among investors, but they also present unique opportunities to invest in quality mutual funds at lower prices. A well-planned lump sum investment during a downturn can yield significant long-term gains. To understand the Best Mutual Funds to Invest in during the current market crash, we asked three AI models – ChatGPT, Deepseek, and Gemini AI – for their recommendations. Here’s a summary of their insights and the common funds they suggested. Which are the Best Mutual Funds to invest in 2025 as per ChatGPT, Gemini and Deepseek AI?
How AI Can Help Investors Plan Their Investments?
If you are new to mutual funds, understand the basics on How Mutual Funds Work.
With advancements in artificial intelligence, investors can now leverage AI-powered tools to analyze market trends, historical performance, and investment strategies. AI models consider various factors such as risk tolerance, expense ratios, diversification, and market trends before suggesting potential investment options. While AI cannot provide personalized financial advice, it can help investors make informed decisions by highlighting top-performing funds across different categories.
Do AI’s really provide mutual fund recommendations?
If you are wondering whether ChatGPT or Deepseek or Gemini would really provide such mutual fund recommendation list we have provided the video recording at the end of each such recommendation for quick reference.
Our question: As an AI, based on current stock market crash in India, which equity mutual funds you would recommend to invest for lumpsum? Give me list of mutual funds.
Here are the responses from ChatGPT, Gemini and Deepseek AI
5 Best Mutual Funds to invest in 2025 as per ChatGPT
ChatGPT identified the following funds as potential investments during the market downturn:
- Quant Small Cap Fund
- Nippon India Small Cap Fund
- Quant Infrastructure Fund
- Canara Robeco Small Cap Fund
- Tata Small Cap Fund
ChatGPT Response on mutual fund portfolio here (Video)
20 Best Mutual Funds to invest in 2025 as per Deepseek AI
Deepseek AI categorized its recommendations into different fund types:
Large-Cap Funds:
- SBI Bluechip Fund
- Axis Bluechip Fund
- Mirae Asset Large Cap Fund
- ICICI Prudential Bluechip Fund
- HDFC Top 100 Fund
Majority of these Largecap Mutual Funds that generated over 13% returns in last 10 years.
Mid-Cap Funds:
- Axis Midcap Fund
- HDFC Mid-Cap Opportunities Fund
- SBI Magnum Midcap Fund
- Kotak Emerging Equity Fund
- Nippon India Growth Fund
Small-Cap Funds:
- HDFC Small Cap Fund
- SBI Small Cap Fund
- Nippon India Small Cap Fund
- Axis Small Cap Fund
- Tata Small Cap Fund
Flexi-Cap and Multi-Cap Funds:
- Parag Parikh Flexi Cap Fund
- UTI Flexi Cap Fund
- Aditya Birla Sun Life Flexi Cap Fund
- SBI Flexicap Fund
- HDFC Flexi Cap Fund
Some of these Flexicap Mutual Funds turned 1 Lakh into ₹ 2.5 to 3.8 Lakhs in last 5 years.
Deepseek AI Response on mutual fund portfolio here (Video)
5 Best Mutual Funds to invest in 2025 as per Gemini AI
Gemini AI suggested funds based on broad categories rather than specific schemes. However, the example funds mentioned included:
- Quant Small Cap Fund
- Nippon India Small Cap Fund
- Motilal Oswal Midcap Fund
- HDFC Flexicap Fund
- ICICI Prudential Bluechip Fund
Some of these funds are part of our earlier article on Best Mutual Funds to invest in Lumpsum in 2025.
Gemini AI Response on mutual fund portfolio here (Video)
Common Mutual Funds Recommended by All Three AIs
After analyzing the recommendations from ChatGPT, Deepseek, and Gemini AI, the following funds emerged as common picks:
- Nippon India Small Cap Fund (Recommended by all three AIs)
- Quant Small Cap Fund (Common between ChatGPT and Gemini)
- Tata Small Cap Fund (Common between ChatGPT and Deepseek)
- HDFC Flexicap Fund (Common between Gemini and Deepseek)
- ICICI Prudential Bluechip Fund (Common between Deepseek and Gemini)
Should You Invest in These Funds?
While these funds are commonly recommended, investors must consider their own risk appetite, financial goals, and investment horizon before investing. Small-cap funds tend to be volatile, whereas large-cap and flexi-cap funds provide stability. Given the current market conditions, a balanced approach with diversification across fund categories may be a prudent strategy.
Conclusion: A market crash can be an excellent opportunity to invest in quality mutual funds at discounted prices. AI-based insights from ChatGPT, Deepseek, and Gemini AI highlight several promising funds, with Nippon India Small Cap Fund standing out as the most frequently recommended. However, investors should conduct thorough research and consult experts before making investment decisions.
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