New Delhi, Oct. 29 -- Artificial intelligence (AI) can help investors identify costly investments, spot idle cash and organise their financial plans. But using AI to analyse a portfolio is not the same as relying on it to make decisions about investments, taxes, insurance or long-term financial goals.

A 2026 report by 1 Finance, titled What Personalised Financial Advice Is Actually Worth, argues that financial planning extends beyond investment selection and portfolio returns. It identifies four dimensions of financial advice: correcting existing financial inefficiencies, planning for goals, helping investors make better decisions and monitoring their finances over time.

The report argues that while technology can automate parts of fina...