NY Times -- ChatGPT for Retirement Advice?

Investing Strategies Retirement Investing
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free link:

https://www.nytimes.com/2026/02/08/business/retirement-planning-ai-chatbots.html?unlocked_article_code=1.K1A.z1nG.SF-xMgasWsJq&smid=url-share

Don’t forget that average retirement investor using market timing and individual stock selection, etc. is under performing the S&P 500 index by 5%-6% annually. You may as well set fire to your 401k contribution.

{{ Long-Term Annual Gap (20-30 Years):

  • According to Dalbar’s 2025 QAIB report, the average equity investor underperformed by approximately 2.14% annually over a 30-year period.
  • Other data suggests a wider chasm, with the S&P 500 returning roughly 7.1% to 10% annually over 20 years, while the average investor earned only 2.1% to 2.6%. }}

intercst