Real ChatGPT answer · index seedFFXPUabYjBQcompleteFinance and banking · investing and brokeragescommercial

I am completely new to saving for retirement and want to know if I should open a Roth IRA with Vanguard or Fidelity for my first account

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
I am completely new to saving for retirement and want to know if I should open a Roth IRA with Vanguard or Fidelity for my first account
3 real searches · 1 real-search pass
Fidelity Roth IRA fees minimum investment fractional shares beginner features official 2026Google ↗
OBSERVEDInstruction
Vanguard Roth IRA fees minimum investment mutual funds ETFs official 2026Google ↗
OBSERVEDOther / navigational
IRS 2026 Roth IRA contribution limit income phase out officialGoogle ↗
OBSERVEDReason

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 (3)
Short factOther / navigational33%ComparisonConsequenceReason33%DefinitionInstruction33%Yes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
Fidelity Roth IRA fees minimum investment fractional shares beginner features official 2026 Google ↗
Vanguard Roth IRA fees minimum investment mutual funds ETFs official 2026 Google ↗
IRS 2026 Roth IRA contribution limit income phase out official Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Fidelity Roth IRA fees minimum investment fractional shares beginner features official 2026
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1
Vanguard Roth IRA fees minimum investment mutual funds ETFs official 2026
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
IRS 2026 Roth IRA contribution limit income phase out official
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1