{"id":218717,"date":"2026-03-01T06:30:00","date_gmt":"2026-03-01T11:30:00","guid":{"rendered":"https:\/\/news-you-need.com\/index.php\/2026\/03\/01\/how-ai-could-wreck-your-401k\/"},"modified":"2026-03-01T09:45:16","modified_gmt":"2026-03-01T14:45:16","slug":"how-ai-could-wreck-your-401k","status":"publish","type":"post","link":"https:\/\/news-you-need.com\/index.php\/2026\/03\/01\/how-ai-could-wreck-your-401k\/","title":{"rendered":"How AI Could Wreck Your 401(k)"},"content":{"rendered":"<p><a href=\"https:\/\/www.forbes.com\/sites\/baldwin\/2026\/02\/28\/warning-ai-is-coming-for-your-401k\/\">How AI Could Wreck Your 401(k)<\/a><\/p>\n<p><a href=\"https:\/\/www.forbes.com\/sites\/baldwin\/2026\/02\/28\/warning-ai-is-coming-for-your-401k\/\">https:\/\/www.forbes.com\/sites\/baldwin\/2026\/02\/28\/warning-ai-is-coming-for-your-401k\/<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-03-01 06:30:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.forbes.com\">www.forbes.com<\/a><\/p>\n<p><strong>Artificial intelligence:<\/strong> <strong>boom, bubble or bust? <\/strong>Probably a mix of all three. Whatever comes of it, it increases investment risk. It suggests that a lot of retirees and near-retirees need to rethink their portfolios. <\/p>\n<p>The problem is not just that much of the stock market\u2019s exuberant valuation hangs on data centers, via companies like Amazon, Meta Platforms and Nvidia. It\u2019s that AI might prove to be so powerful that it destabilizes a large fraction of the economy. After that: unemployment, recession, market crash. Maybe.<\/p>\n<p>The putative crash is far from certain. But the mere possibility should influence your thinking.<\/p>\n<p>Now look at your retirement portfolio. If it\u2019s in a target-date fund, you do nothing. The stock allocation is being automatically reduced as you age.<\/p>\n<p>If you are young, you can stand to do nothing. If the market crashes, it will probably recover before you spend the money.<\/p>\n<p>But if you are over 55? And setting allocations on your own? You may have veered off course. That\u2019s because stocks have raced well ahead of bonds.<\/p>\n<p>If you had a traditional 60\/40 portfolio a decade ago, and made no adjustments or additions, you now have a lopsided 84\/16 portfolio. More precisely: A 60% stake in the Vanguard Total Stock Market fund, paired with a 40% stake in the Vanguard Total Bond Market fund, would now be 84% invested in stocks and 16% in fixed income.<\/p>\n<p>If either inertia or bullishness has caused your portfolio to tilt, you have plenty of company. Vanguard Group has the evidence, taken from the numbers in its 401(k) accounts. Its last survey, for December 2024, revealed that half of savers over 55 who manage their own allocations had more than 70% of their money in equities. Given last year\u2019s results (a 17% return on stocks, 7% on bonds), it\u2019s likely that these people are in even riskier territory now.<\/p>\n<p>Crash? It has already come to software vendors. Adobe and Salesforce rent software to corporations, software that could be undercut by AI code-creating agents that&#8230;<\/p>\n<p><a href=\"https:\/\/www.forbes.com\/sites\/baldwin\/2026\/02\/28\/warning-ai-is-coming-for-your-401k\/\">Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How AI Could Wreck Your 401(k) https:\/\/www.forbes.com\/sites\/baldwin\/2026\/02\/28\/warning-ai-is-coming-for-your-401k\/ Publish Date: 2026-03-01 06:30:00 Source Domain: www.forbes.com Artificial&#8230;<\/p>\n","protected":false},"author":1,"featured_media":218718,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/imageio.forbes.com\/specials-images\/imageserve\/69a0e60a3b3a0277117a25d5\/0x0.jpg?format=jpg&height=900&width=1600&fit=bounds","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[20],"class_list":["post-218717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence","tag-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/218717"}],"collection":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=218717"}],"version-history":[{"count":1,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/218717\/revisions"}],"predecessor-version":[{"id":218719,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/218717\/revisions\/218719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/218718"}],"wp:attachment":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=218717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=218717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=218717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}