Real ChatGPT answer + Gemini simulation · index seed1f6InISYlWkcompleteAI OverviewFinance and banking · budgeting and savinglocal
Fidelity versus Vanguard for a total market index fund portfolio which brokerage lets me buy fractional shares with instant deposits today
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search37 queries10/30/2026
Download run
Gemini unique queries
35
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
0%
0 of 2 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Fidelity versus Vanguard for a total market index fund portfolio which brokerage lets me buy fractional shares with instant deposits today
35 unique queries · 3 passes
vanguard fractional shares and settleme…
1 query · 2 hits
does vanguard allow buying fractional shares of index funds2xGoogle ↗
RELATED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 35 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT2 real searches · gpt-60% predicted
Fidelity fractional shares stocks ETFs dollar based investing cash available to trade instant deposit EFT availability 2026 Google ↗
Vanguard fractional shares ETFs stocks dollar based investing bank transfer funds availability 2026 Google ↗
- Fidelity vs. Vanguard: 2026 Comparison · nerdwallet.com
- Fractional shares | Dollar-based investing · fidelity.com
- How hold times and processing periods affect the status of your transfer · fidelity.com
- Dollar-based Trading-Fractional Shares · investor.vanguard.com
- Trading FAQs: About Your Trading Account · fidelity.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
35 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
does vanguard allow buying fractional shares of index funds RELATED | Google ↗ AI Mode ↗ | The user wants to verify Vanguard's exact policy regarding fractional share purchases for its proprietary mutual funds and ETFs. | — | faq_page | vanguard fractional shares and settleme… | 2x of 3 | |
fidelity vs vanguard fractional shares instant deposit comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a direct feature-by-feature comparison of Fidelity and Vanguard regarding fractional shares and instant deposits. | — | comparison_table | fidelity versus vanguard platform compa… | 1x of 3 | |
fidelity vs vanguard fractional shares instant deposit REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct comparison of Fidelity and Vanguard regarding fractional share trading and instant deposit availability. | — | comparison_table | fidelity versus vanguard platform compa… | 1x of 3 | |
fidelity vs vanguard total market index fund fractional shares instant deposit REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct feature-by-feature comparison of Fidelity and Vanguard focusing specifically on fractional shares and deposit speeds. | — | comparison_table | fidelity zero fee funds comparison | 1x of 3 | |
does fidelity allow fractional shares with instant buying power REFORMULATION | Google ↗ AI Mode ↗ | The user wants to confirm if Fidelity supports both fractional share purchases and immediate use of deposited funds. | — | faq_page | fidelity fractional shares and instant… | 1x of 3 | |
vanguard fractional shares policy and settlement times REFORMULATION | Google ↗ AI Mode ↗ | The user wants to understand Vanguard's rules on buying partial shares and how long bank deposits take to settle. | — | web_article | vanguard fractional shares and settleme… | 1x of 3 | |
fidelity instant deposit settling time for buying stocks IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know how quickly deposited funds become available for trading in a Fidelity account. | — | how_to_steps | fidelity fractional shares and instant… | 1x of 3 | |
fidelity instant deposit clearing time for buying stocks RELATED | Google ↗ AI Mode ↗ | The user wants to know how fast deposited funds become available for trading at Fidelity. | — | web_article | fidelity fractional shares and instant… | 1x of 3 | |
best brokerages for total market index fund investing with instant deposits ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to know if other brokerages besides Fidelity and Vanguard offer total market index funds with instant funding and fractional shares. | — | review_roundup | beginner index fund investing setup | 1x of 3 | |
best brokerages for beginners with fractional shares and instant ACH transfers IMPLICIT | Google ↗ AI Mode ↗ | The user is looking for a brokerage platform recommendation that supports modern features like micro-investing and instant liquidity. | — | buyers_guide | brokerages with instant ach transfers | 1x of 3 | |
best brokerage for total stock market index fund fractional shares RELATED | Google ↗ AI Mode ↗ | The user wants to see if other brokerages besides Fidelity and Vanguard might be better for this specific use case. | — | review_roundup | brokerages with instant ach transfers | 1x of 3 | |
how long do ach deposits take to settle for buying stocks instantly IMPLICIT | Google ↗ AI Mode ↗ | The user needs to understand the mechanics of ACH deposit clearing times versus instant buying power at major brokers. | — | glossary/definition | fidelity fractional shares and instant… | 1x of 3 | |
fidelity zero fee total market index fund ticker symbol ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to identify the specific ticker symbols for Fidelity's flagship total market index funds. | — | product_spec_sheet | fidelity zero fee funds comparison | 1x of 3 | |
fidelity zero fee index funds vs vanguard total stock market fund COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare the specific total market or zero-fee index fund offerings between Fidelity and Vanguard. | — | web_article | fidelity zero fee funds comparison | 1x of 3 | |
fidelity zero fee index funds vs vanguard total stock market fund vtsax RELATED | Google ↗ AI Mode ↗ | The user wants to compare the specific flagship index fund offerings available at each brokerage. | — | comparison_table | fidelity zero fee funds comparison | 1x of 3 | |
vanguard vs schwab vs fidelity fractional shares comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a broader comparison including another major competitor to contextualize Fidelity and Vanguard's offerings. | — | review_roundup | fidelity versus vanguard platform compa… | 1x of 3 | |
schwab vs fidelity vs vanguard fractional shares and instant deposits ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to include Charles Schwab in the comparison of instant deposits and fractional share capabilities. | — | comparison_table | fidelity versus vanguard platform compa… | 1x of 3 | |
can you buy fractional shares of index funds on vanguard REFORMULATION | Google ↗ AI Mode ↗ | The user wants a definitive answer on whether Vanguard supports fractional share trading for index mutual funds and ETFs. | — | faq_page | vanguard fractional shares and settleme… | 1x of 3 | |
how to buy fractional shares on fidelity mobile app step by step RELATED | Google ↗ AI Mode ↗ | The user wants practical instructions on executing a fractional share trade on Fidelity's platform. | — | how_to_steps | fidelity fractional shares and instant… | 1x of 3 | |
how to invest spare cash immediately in index funds beginner PERSONALIZED | Google ↗ AI Mode ↗ | The user wants guidance on how a beginner can quickly fund an account and start buying index funds today. | — | buyers_guide | beginner index fund investing setup | 1x of 3 | |
brokerages with instant buying power on ach transfers ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants a list of investment platforms that give immediate credit for bank transfers. | — | buyers_guide | brokerages with instant ach transfers | 1x of 3 | |
can i invest spare cash immediately after bank transfer vanguard IMPLICIT | Google ↗ AI Mode ↗ | The user wants to understand Vanguard's exact rules regarding settlement periods and buying assets with uncollected funds. | — | forum/qna | beginner index fund investing setup | 1x of 3 | |
vanguard funds available for fractional trading list ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants a complete list of which Vanguard and non-Vanguard ETFs or mutual funds support fractional shares at Vanguard. | — | product_spec_sheet | vanguard fractional shares and settleme… | 1x of 3 | |
how to set up instant deposit and buy index funds on fidelity RELATED | Google ↗ AI Mode ↗ | The user wants step-by-step instructions on funding a Fidelity account and executing a total market index fund purchase right away. | — | how_to_steps | beginner index fund investing setup | 1x of 3 | |
how do I set up my automatic investment portfolio with fidelity index funds PERSONALIZED | Google ↗ AI Mode ↗ | The user wants guidance on establishing a recurring, automated total market portfolio strategy. | — | tutorial_video/transcript | beginner index fund investing setup | 1x of 3 | |
transfer money instantly to brokerage account to buy stocks now REFORMULATION | Google ↗ AI Mode ↗ | The user wants to find out which transfer methods allow immediate stock purchases across major brokerages. | — | how_to_steps | brokerages with instant ach transfers | 1x of 3 | |
investing beginner looking for zero minimum index fund broker with instant funding PERSONALIZED | Google ↗ AI Mode ↗ | The user persona (a retail investor needing quick setup and low barriers to entry) wants tailored brokerage recommendations. | — | web_article | beginner index fund investing setup | 1x of 3 | |
vanguard vtsax vs vti fractional share availability REFORMULATION | Google ↗ AI Mode ↗ | The user wants to know the operational difference between buying mutual funds vs ETFs at Vanguard regarding fractional quantities. | — | glossary/definition | vanguard fractional shares and settleme… | 1x of 3 | |
what is a fractional share index fund investing REFORMULATION | Google ↗ AI Mode ↗ | The user wants a basic definition and explanation of how fractional share investing works with index funds. | — | glossary/definition | beginner index fund investing setup | 1x of 3 | |
vanguard vs fidelity account funding limits and clearing times COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare deposit speeds, limits, and immediate availability of funds between the two institutions. | — | comparison_table | brokerage funding limits and clearing | 1x of 3 | |
brokerage account deposit methods instant vs standard ACH comparison RELATED | Google ↗ AI Mode ↗ | The user wants to understand the technical differences between various deposit methods and their respective clearing speeds. | — | web_article | brokerages with instant ach transfers | 1x of 3 | |
reddit fidelity vs vanguard fractional shares instant deposit RELATED | Google ↗ AI Mode ↗ | The user wants real-world experiences and community consensus on Fidelity versus Vanguard deposit and fractional trading speeds. | — | forum/qna | fidelity versus vanguard platform compa… | 1x of 3 | |
fidelity vs vanguard account funding limits and fees 2026 COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a comparison of account funding restrictions, fees, and transfer policies between the two brokerages. | — | pricing_page | brokerage funding limits and clearing | 1x of 3 | |
vanguard vs fidelity account funding and settlement comparison COMPARATIVE | Google ↗ AI Mode ↗ | The user wants a detailed technical comparison of account funding, deposit holds, and trade settlement at Fidelity and Vanguard. | — | buyers_guide | brokerage funding limits and clearing | 1x of 3 | |
do index funds support fractional shares or do you have to buy whole etfs IMPLICIT | Google ↗ AI Mode ↗ | The user needs clarity on how index products (mutual funds vs ETFs) interact with fractional share trading. | — | glossary/definition | vanguard fractional shares and settleme… | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 919 / 1,565 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 919 / 1,479 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 919 / 1,516 |