Subject: NY Times – ChatGPT for Retirement Advice?
free link:

https://www.nytimes.com/2026/0...


Don't forget that average retirement investor using market timing and individual stock selection, etc. is under performing the S&P 500 index by 5%-6% annually. You may as well set fire to your 401k contribution.

{{ **Long-Term Annual Gap (20-30 Years):**

* According to [Dalbar's 2025 QAIB report](https://www.ifa.com/articles/u...), the average equity investor underperformed by approximately **2.14% annually** over a 30-year period.

* Other data suggests a wider chasm, with the S&P 500 returning roughly **7.1%** to **10% annually** over 20 years, while the average investor earned only **2.1%** to **2.6%**. }}

intercst