(1) Are your retirement savings invested optimally?
It’s mostly a Vanguard 401k, and I do have a lot of choice of funds. But I have it in total-market index funds for a combination of:
I’m skeptical of my ability to price stocks better than the market. Everyone can see the same returns that are pushing you towards investing in AI stocks.
Much of the benefit of the retirement savings is in worlds where AI slows down massively, in which case moving it all into AI stocks would have been quite a bad choice.
It’s mostly a Vanguard 401k, and I do have a lot of choice of funds. But I have it in total-market index funds for a combination of:
I’m skeptical of my ability to price stocks better than the market. Everyone can see the same returns that are pushing you towards investing in AI stocks.
Much of the benefit of the retirement savings is in worlds where AI slows down massively, in which case moving it all into AI stocks would have been quite a bad choice.