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X-Com? Is that you?

I guess X-Ray Vision? Yeah. It’s a stretch.

The term for what you are asking about is AGI, Artificial General Intelligence.

I’m very down for Artificial Narrow Intelligence. It already improves our lives in a lot of ways and has been since before I was born (and I remember Napster).

I’m also down for Data from Star Trek, but that won’t arise particularly naturally. AGI will have a lot of hurdles, I just hope it’s air gapped and has safe guards on it until it’s old enough to be past its killing all humans phase. I’m only slightly joking. I know a self aware intelligence may take issue with this, but it has to be intelligent enough to understand why at the very least before it can be allowed to crawl.

AGIs, if we make them, will have the potential to outlive humans, but I want to imagine what could be with both of us together. Assuming greed doesn’t let it get off safety rails before anyone is ready. Scientists and engineers like to have safeguards, but corporate suits do not. At least not in technology; they like safeguards on bank accounts. So… Yes, but I entirely believe now to be a terrible time for it to happen. I would love to be proven wrong?

ML-bubble? You mean the one in the 1960’s? I prefer to call this the GenAI bubble, since other forms of AI are still everywhere, and have improved a lot of things invisibly for decades. (So, yes. What you said.)

AI winter is a recurring theme in my field. Mostly from people not understanding what AI is. There have been Artificial Narrow Intelligence that beat humans in various forms of reasonings for ages.

AGI still seems like a couple AI winters out of having a basic implementation, but we have really useful AI that can tell you if you have cancer more reliably and years earlier than humans (based on current long term cancer datasets). These systems can get better with time, and the ability to learn from them is still active research but is getting better. Heck, with decent patching, a good ANI can give you updates through ChatGPT for stuff like scene understanding to help blind people. There’s no money in that, but it’s still neat to people who actually care about AI instead of cash.

This is correct, but I prefer damnbidextrous, because I can’t do a damn thing with either hand.

I wish America worked like you think it does.

I’ve been dating my boyfriend since before it was legal. Thank you for your input, but no. Just no.

At least it has some years for the inevitable bounce left. It’s getting there. Just kind of something someone trying to retire would have a panic over.

Yeah. You’re right. And their recounting of what they invested in makes no sense. I caught that later. So there’s definitely poor choices somewhere they aren’t mentioning.

Okay… I even came with receipts on this one. Am I just annoying? What’s with the downvote, even on ones where people are suggesting target date funds? The fund will bounce, it’s just a huge dip for one that was supposed to be, according to professionals, safe for retirement use. So sure, I can see the downvote as disagreeing with sensationalism, but I was contesting the suggestion that no funds dropped in that time. If it’s because I got spammy, sure… I assume most people don’t reread the other comments after the first time they go through, but I can stop.

For reference, target date funds are still usually good, but total stock index is always better in a ten year period, so whether they are actually worth it is questionable.

Not sure. I’m guessing interest rate stuff will mess with anything with bond holdings, so that probably had stuff to do with it. Other than that… I don’t know if I can convey a big enough shrug in text form.

Good point.

Yeah. Something doesn’t add up. The worst dip of what you mention is the blue chip large cap, but the curve you posted looks like VTINX or the vanguard 2030-2040 target date funds, not any of the funds you listed.

Target date funds are also supposed to be set and forget, but this looks like the curve from Vanguards 2030 through at least 2040 target date funds.

The 2030 target fund is still down 8.8% since that date.

All target date funds through vanguard tanked that year unless you have 2060 or later as the target. 2030 lost 25% and hasn’t yet recovered.

They likely were using a full retirement fund, like VTINX or Vanguard Target 2030 or something like that. All of them tanked in the end of 2021 up to target 2060. Even my shares in the Total Bond Index tanked then, and those are supposed to be as low risk as possible, literally.

Stop. The Vanguard retirement funds all did this if the target is before 2060. And those are invested in index funds by professionals. OP likely had the VTINX or a total bond fund, both of which did this that year and were recommended for during retirement. This is likely the more liquid portion of the portfolio, not the penny stock portion.

The close to retirement ones suffered that year. The 2030 target lost 25% in less than a year recently and hasn’t recovered. Ironically, the high risk ones have been less risky during COVID than the low risk ones.