when i cared about this stuff awhile back, i remember you could specify when setting up the account how aggressive you wanted it managed. from zero (set it and forget it, long term stocks) to more risky funds that traded shit around constantly.
it all seemed like gambling to me so i handed it over to my spouse and promptly stopped caring.
this is such a bad take. ‘Oh yeah… back when I cared about this stuff, I actually didn’t care, I stuck my head in the sand and passed off the obligation and responsibility to someone else.’