The Investor 2026
An Investing Methodology and Working with AI Agents
by Daniel Marchetti and Michael Harrington
A practical system for the private investor who wants to put capital to work in the U.S. stock market — and use AI agents to do the tedious 80% of the job. No "secret strategies", no forecasts: rules that have worked for decades, laid out with examples, tables and checklists, plus five ready-made AI workflows for 2026.
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Who this book is for
Entrepreneurs and professionals outside the United States who want dollar-denominated assets, understand that money sitting still loses value, and prefer a repeatable method over guesswork. No prior investing experience required — the book starts with how the market works and how to open an account from abroad.
What you will learn
- How the U.S. market works: exchanges, indices, SEC filings, earnings season, order types
- How to open a brokerage account as a non-resident, fill in W-8BEN and pay only 15% on dividends
- Six rules: emergency fund and horizon, index-fund core, an eight-point stock checklist, when to buy, when to sell, risk management
- A dividend strategy, investor psychology and the twelve mistakes almost every beginner makes
- Three ready portfolios (conservative, balanced, aggressive) and a month-by-month first-year plan
- Which tasks to hand to AI agents — reading filings, monitoring, bookkeeping, devil's-advocate critique — and which never to delegate, with copy-paste prompts
Table of contents
- Part I — Foundation
- Why the United States: a market that works for the investor
- How the American market works: exchanges, indices, regulators
- The investor's instruments: stocks, ETFs, bonds, REITs
- Opening an account from abroad: broker, documents, W-8BEN, withholding tax
- Part II — Methodology: six rules
- Emergency fund first, then horizon
- The core of the portfolio is index funds
- How to select individual stocks: the fundamental checklist
- When to buy: trend, earnings and patience
- When to sell: stop-loss, broken thesis and rebalancing
- Risk management: position size, diversification, no leverage
- Part III — Practice
- The dividend strategy
- Investor psychology: six traps
- Three model portfolios
- Taxes and reporting for the non-resident investor
- Twelve mistakes of the beginning investor
- The first-year plan: step by step
- Part IV — Artificial intelligence: working tools for 2026
- AI agents in the investor's work: what they do well and what they must never be trusted with
- Working routines with AI: prompts, procedures and control
About the authors
Daniel Marchetti — portfolio strategist with a background in U.S. equity research; writes about systematic investing for private investors.
Michael Harrington — investor and technologist focused on applying AI tools to investment research and operations.