A major shift is underway in how everyday investors research, construct and personalize portfolios as agentic AI moves into core investing workflows.
In a new interview with Bloomberg Television, Jannick Malling, co-founder and co-CEO of Public.com, says 2025 marked a turning point for AI’s role in investing, comparable to the rise of mobile platforms.
“I think it became clear in 2025 that the next big platform shift in the world of investing is the shift to agentic AI. Arguably, it’s the biggest shift since going mobile.”
Malling says the one major impact of agentic AI shows up in investment research, where AI systems no longer just answer questions but actively monitor portfolios and surface insights.
“The first and most obvious use case was research. We were the first to embed AI research directly into the investment experience, which gives you a bunch of benefits that can proactively read your portfolio and tell you what you might want to care about.”
Instead of investors searching for information manually, agentic AI watches positions, flags risks or opportunities and adapts to individual portfolios in real time.
The second and more disruptive shift, according to Malling, is AI-driven asset creation.
He highlights Public’s launch of a product called Generated Assets, which allows users to design custom indices based on their own criteria. Malling says investors can now define portfolios around macro conditions, behavior or combinations of existing benchmarks with the assistance of AI.
“We launched a product called Generated Assets that goes into the creation of new assets. Think about this as a tool where you can prompt your own index. You could say give me companies that do well if inflation stays higher than three percent, or give me CEOs who are very active on social media, or combine the top quartile of the Nasdaq and the S&P 500, but take out companies affected by tariffs.
What we’ve seen in the last couple of months is that people now have their own bespoke indices. They don’t have to just be stuck buying an ETF.”
Malling notes that agentic AI solves a long-standing mismatch in retail investing, where different goals and risk tolerances were forced into the same financial products.
“A lot of people are buying the same financial products even though they actually have different investment goals or risk tolerances. That’s a big theme going into 2026. People will be able to have their own bespoke financial products that fit their unique investing mission.”
Public.com is a commission-free investing app and brokerage platform for US investors with 3 million users.
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