AI is clueless about your Minnesota 401(k)

Artificial Intelligence (AI) has made impressive strides.

But not providing useful 401(k) investment advice.

I mean personalized 401(k) mutual fund advice.

Try asking ChatGPT a simple question like:

“Is [name of mutual fund] a good investment for my 401(k)?”

You’re expecting a clear yes or no.

Instead, you’ll get a well-structured summary.

Performance metrics, expense ratios, and market trends.

Informative?

Yes.

Actionable?

Not quite.

All you want to know is “what to buy” in your 401(k).

The best mutual funds available to you.

The same ambiguity shows up.

When you ask AI to build a 401(k) mutual fund portfolio.

It might list popular mutual funds.

Explain asset allocation, diversification, and rebalancing.

But it can’t customize a tailored mutual fund pick.

Specific to your 401(k) mutual fund menu.

And without those specifics, you are back to guessing.

Little or no confidence in your 401(k) mutual fund picks.

Want to upgrade the quality of your 401(k) mutual funds?

No generic mutual fund advice from me.

I specialize in empowering individual 401(k) investors.

With actionable, data-driven mutual fund ideas.

Specific to their default 401(k) mutual fund menu.

Let’s start a conversation about your 401(k) mutual funds.

Ric Lager

P.S. Better mutual fund picks can improve your 401(k).