AICoin AI: Pre-Retirees Face Hidden Risks in Tech-Heavy Portfolios
Pre-retirees targeting retirement in 2026 face amplified risks from overexposure to AI-driven market rallies. Jean Chatzky, a veteran personal finance strategist, warns against complacency with unchecked portfolio allocations during bull runs. "When tech sectors dominate returns, investors unintentionally become overweight in volatile assets," she notes, referencing studies that reveal the gap between rebalancing intentions and actual behavior.
The solution? Maintain disciplined diversification—especially for those within five years of retirement. Chatzky advocates holding 2-3 years' worth of living expenses in cash or fixed income to weather potential downturns without liquidating long-term holdings. This approach gains urgency as tax reforms and AI market frenzies reshape the 2025 financial landscape.
