The survey found that nine in ten who acted on AI advice liked the result
Seven in ten retail investors have used artificial intelligence to help make investment decisions, and 59 percent of that group acted on the recommendations they received.
Of those who acted, 90 percent said they were satisfied with the outcome, according to the third edition of Amundi's Decoding Investors study, published 22 September 2026.
Regular use of AI assistants as a source of investment ideas or information reached 19 percent in 2026, a four-fold increase in a single year.
Nearly one in two investors, 46 percent, seek investment information via influencers.
Usage runs at 68 percent in India and 65 percent in Brazil, against 28 percent in France, 37 percent in Spain and 40 percent in Germany.
Amundi states that these sources complement professional advice rather than replace it, helping investors confirm ideas or validate recommendations.
More than 60 percent of investors claim access to at least some professional financial advice, and 59 percent now receive all or part of that advice online.
Similar patterns have surfaced in research on how consumers are adopting AI for saving and investing, and in experimental work on AI-generated advice among Canadian retail investors.
Half of advised investors say they are very confident about funding their retirement, compared with 14 percent among those who have never accessed advice.
Across all investors, only 23 percent feel very confident of achieving long-term financial security, down from 26 percent a year earlier.
Seventy percent of investors who describe themselves as experts failed to answer three basic financial literacy questions correctly.
One in four retail investors consider themselves beginners.
High-net-worth investors, the most confident group, recorded the lowest literacy rates, with 36 percent answering all three questions correctly.
That group is also the most likely to use an adviser, at 87 percent, versus 58 percent among retail investors.
Advisers elsewhere have described the same tension in accounts of how artificial intelligence is reshaping advice globally.
Personal savings and investments are now the largest expected source of retirement income, with investors hoping they will fund 42 percent of their retirement pot, ahead of state provision and workplace pensions.
Investors across Asia expect to fund more than 50 percent of their retirement that way.
Only 36 percent of investors cite retirement as a key motivation for investing, at 34 percent in Europe and 40 percent in Asia.
Fannie Wurtz, Amundi's deputy general manager, head of Clients Group, said in the release that the third edition of Amundi's Decoding Investors study highlights the challenge of "helping more savers become investors and enter capital markets."
She said the industry needs to strengthen "trust" and improve "access to investor education."
