Two kinds of AI can trade your Agentic account
Robinhood lets outside AI connect to your Agentic account through its trading MCP. In practice that means one of two things.
- A chat assistant you drive. Claude, ChatGPT and other assistants that support MCP can place trades when you ask. They’re flexible, but they act only when you prompt them, and each conversation starts from what you tell it.
- A dedicated AI portfolio manager. An app like Agency runs agents that each have a written plan, a fixed slice of money, and a schedule. They review and trade on their own inside those limits and tell you what they did.
If you want to trade with AI help, a chat assistant is enough. If you want AI to manage money over time without you starting every conversation, you want a manager.
What to look for
- Hard limits it can’t talk its way past. A cap on the money each agent can spend and the holdings it can sell, checked on every order, not just a line in a prompt.
- A plan you can read before money moves. You should see how it would invest, and why, before it buys anything.
- A reason for every trade. Every order should come with what changed and why, in plain words.
- A schedule, not a stream. Decisions at set times are easier to follow and to audit than an agent that trades whenever it feels like it.
- Your credentials stay with you. You sign in on Robinhood’s own page and the connection stays on your machine.
- Predictable cost. Know what each decision costs before you start.
Which model should you pick?
Agency lets you choose the model every agent thinks with, in Settings: GPT-6 Sol from OpenAI, Claude Sonnet 5 from Anthropic, Grok 4.6 from xAI, DeepSeek V4 Pro, and Gemini 3.8 Flash from Google. You can change it any time.
No model has a track record that shows it picks better investments, so don’t choose on a promise of returns. Judge a model on what you can see:
- Does it stay inside your plan, including the rules you wrote?
- Are its notes specific, with real numbers, and do they match what it traded?
- Does its first look fit what you asked for, or does it reach for the obvious default?
Start with the default. If an agent’s notes feel generic or it drifts from your rules, try another model and compare the next few reviews.
The honest answer
The best AI for your Robinhood account is the one you can hold to your rules and understand after the fact. Start with a small slice, read the first look and the notes, and add money only once it behaves the way you expected.
See how an AI portfolio manager works, or what keeps it safe.