AI Is Reshaping Retirement Planning - But Should You Trust It?

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Nov 10

Planning for retirement used to mean meeting with a financial advisor, gathering paperwork and running numbers by hand or with basic software. Today, artificial intelligence is rapidly changing that ...

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Today, artificial intelligence is rapidly changing that ...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/25/11/48743614/ai-is-reshaping-retirement-planning-but-should-you-trust-it\">Source Link</a>\n\n</div>\n","source":"benzinga_recent_news","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>AI Is Reshaping Retirement Planning - But Should You Trust It?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAI Is Reshaping Retirement Planning - But Should You Trust It?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-11-10 09:02 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/personal-finance/management/25/11/48743614/ai-is-reshaping-retirement-planning-but-should-you-trust-it><strong>Benzinga_recent_news</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Planning for retirement used to mean meeting with a financial advisor, gathering paperwork and running numbers by hand or with basic software. Today, artificial intelligence is rapidly changing that ...</p>\n\n<a href=\"https://www.benzinga.com/personal-finance/management/25/11/48743614/ai-is-reshaping-retirement-planning-but-should-you-trust-it\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4588","symbol_name":"碎股","start_time":0,"source_url":"https://www.benzinga.com/personal-finance/management/25/11/48743614/ai-is-reshaping-retirement-planning-but-should-you-trust-it","article_id":"2582126328","we_media_id":null,"thumbnails":["https://cdn.benzinga.com/files/images/story/2025/11/09/What-Savers-Should-Watch-Next.jpeg?optimize=medium&dpr=2&auto=webp&width=240"],"rights":{"source":"benzinga_recent_news","url":"https://www.benzinga.com/personal-finance/management/25/11/48743614/ai-is-reshaping-retirement-planning-but-should-you-trust-it","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2582126328","pubTimestamp":1762736520,"columns":[],"sourceInfo":{"source_id":"benzinga_recent_news","name":"Benzinga"},"weMediaInfo":null,"summary":"Planning for retirement used to mean meeting with a financial advisor, gathering paperwork and running numbers by hand or with basic software. Today, artificial intelligence is rapidly changing that process.From robo-advisors that suggest investments to chatbots that summarize spending patterns, AI is becoming a bigger part of how people prepare financially for their future.Nearly half of Americans feel more comfortable using AI for money decisions than they did a year ago, according to a recent survey from Empower. Yet 62% of people still believe the human component of financial advice matters more. As AI tools expand into retirement planning, experts say they can be useful, but they come with limitations.One of the biggest advantages of AI is speed. AI-powered platforms can analyze large amounts of data instantly — a process that used to take hours or days. Robo-advisors use algorithms to review users' financial goals, risk tolerance, and investment timelines. Based on that data, the","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4588":"碎股","BK4528":"SaaS概念","BK4585":"ETF&股票定投概念","BK4023":"应用软件","BK4543":"AI","AI":"C3.ai, Inc.","BK4551":"寇图资本持仓","BK4587":"ChatGPT概念"},"translate_title":"人工智能正在重塑退休计划——但你应该相信它吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"AI":0.9},"content_text":"Planning for retirement used to mean meeting with a financial advisor, gathering paperwork and running numbers by hand or with basic software. Today, artificial intelligence is rapidly changing that process. \nFrom robo-advisors that suggest investments to chatbots that summarize spending patterns, AI is becoming a bigger part of how people prepare financially for their future.\nNearly half of Americans feel more comfortable using AI for money decisions than they did a year ago, according to a recent survey from Empower. Yet 62% of people still believe the human component of financial advice matters more. As AI tools expand into retirement planning, experts say they can be useful, but they come with limitations.\nDon't Miss:\nOne of the biggest advantages of AI is speed. AI-powered platforms can analyze large amounts of data instantly — a process that used to take hours or days. Robo-advisors use algorithms to review users' financial goals, risk tolerance, and investment timelines. Based on that data, they may suggest retirement strategies or automatically manage investments.\nThese tools can also help forecast the impact of different decisions, such as how adjusting your 401(k) contributions might affect long-term savings. Some platforms now include tax-loss harvesting — selling investments strategically to help reduce taxes — a feature previously associated with professional portfolio managers.\nVasant Dhar, professor of data science at the Leonard N. Stern School of Business at New York University told GoBankingRates that AI tools can help retirees better understand risk, including how volatile certain investments may be. \"Investors of all sorts need to understand risk not in terms of dollars invested, but the risk associated with those amounts,\" he said.\nTrending: An EA Co-Founder Shapes This VC Backed Marketplace—Now You Can Invest in Gaming's Next Big Platform\nHealthcare is one of the most unpredictable retirement expenses. Dhar says AI can estimate typical costs based on people of similar age and health profiles. But these numbers should be considered estimates, not exact predictions. Individual health needs and insurance coverage can vary widely, and people should still use personal judgement.\nAI tools can process information, but that doesn't mean they always get it right. Investing in the Web performed a study where researchers asked an AI chatbot 100 personal finance questions — and 35% of the answers were wrong or partially incorrect.\nResearchers at Investing in the Web found that AI sometimes draws on outdated sources or blends different pieces of information without noting the limitations. In areas like taxes or financial aid — where rules change frequently — even a small error could lead to costly mistakes. The researchers concluded that AI can be useful for gathering information, but it should not be treated as a standalone financial planning tool.\nSee Also: This Jeff Bezos-backed startup will allow you to become a landlord in just 10 minutes, with minimum investments as low as $100.\nAs AI becomes more common, people are showing greater willingness to use it — but not as a replacement for professional advice. According to Empower: \nMany financial advisors are adopting AI for administrative tasks, such as report preparation or data analysis, freeing up more time for one-on-one conversations. But experts agree that financial decision-making — especially emotionally complex decisions like choosing when to retire — still benefits from human guidance.\nAI can help you get organized, explore scenarios, and learn more about your finances — particularly if you’re starting to plan for retirement or looking to optimize investments. But experts suggest double-checking any financial advice AI produces and involving a human advisor for major decisions.\nAI may reshape retirement planning, but trust still comes from understanding your goals — and that's something technology can't replace.\nRead Next: Missed Nvidia and Tesla? RAD Intel Could Be the Next AI Powerhouse — Just $0.81 a Share\nImage: shutterstock","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}