this post was submitted on 18 Feb 2026
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they should be fine so long as their funds freak out and sell the dip .. obviously the people about to retire might have to hold off for a while
That's managed funds, which are costly and don't tend to perform better than index funds in the long term (unless your fund is managed by Warren Buffett). Index funds will by definition take a huge fall because like 30% of the S&P 500 by market cap for an example is heavily AI-invested companies (just a couple of companies at that).
I've moved all of mine to European and Asian indexes to be less affected when it happens, but since I was using a national pension system fund up till now, it'll take until like May or whatever till the move is complete. So I hope there's no crash before that at least. At least any new payments already go to the funds I've selected rather and can sell on a whim, rather than the old system where the bank chose the exact ETFs and I can only sell/move funds 3 times a year and have to apply for it beforehand.
But anyone else who's still stuck in that system with a composite fund dominated by US-based index ETFs, will take a massive plunge when it happens.