I think the only real use for AI today is with human oversight. Like, have it wrote your essay/code/business plan, but review it for actual use in the world. It can do something 75% accurate and add the knowledge of a competent human and you have 1 person doing the job of 4 people. It realistically 3 people since review takes time. This doesn’t address the ethics of doing this, but is the only realistic way of using it in Mar 2024.
I disagree with this. Since bonds and stocks average the same over time, if one is over or under performing, a rebalance will sort of time the market. Plus it’s way easier than changing things multiple times. Also, let’s say that 5% difference is 20k. How long will you invest to rebalance that ratio?
That is way too much into basically unproved investments and gambling. Maybe put 2-5% into it if you really believe in it, but be aware the long term investment potential isn’t really known (30-50 years).
You should look at the funds once or twice a year to rebalance your funds back to the ratios you planned originally.
Eg, your plan is to be 30% bonds 70% stocks. You check every January 1st and see if you still have that balance. If it’s 25% bonds 75% stocks, move 5% stocks into bonds to return to your planned ratio.