@shredder7579 @MissConstrue my 401k allows me to allocate funds to a "capital preservation fund" (or something like that) that basically tries to stay flat. I.e. you would lose out in any gains elsewhere in the market, but not take losses (hopefully?). I doubt it's typically recommended, but it is an option. Any funds that track stuff like the SP 500 or Nasdaq 100 will have you indirectly allocating a significant proportion of your funds to all these companies heavily dependent on AI (these indexes are very top heavy, but they historically perform the best; likely because monopolies are more profitable).