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40 year olds, what financial advice would you have for a 30 year old?
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this post was submitted on 11 Sep 2026
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Asklemmy
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Only one problem with the S&P500: a massive chunk of it is AI speculation, like 30%+, and that bubble will pop. Recommend bonds or metals until it does. Then switch back.
Diversified stock without AI exposure is an option. Bonds give less return and also are looking a bit funny these days, while metals give literally zero.
Everything in the market is exposed to varying degrees, unless you have something particular in mind? If you can think of a stock that will go up when AI goes into freefall, name it, please.
G4S, Dollar Tree or a payday lender like Curo Holdings should go up in any major downturn. Specifically if/when AI craps out, some of the big losers in white-collar services would rebound, although I don't know enough to really give details on that. Lots, like Nestle or Goodyear, aren't countercyclical but will be fairly unaffected, because they aren't in tech and sell something people can't really do without.
Yes, everything in the market is exposed to volatility. In which direction can vary, though. If you have a crystal ball and know the bubble is imploding this quarter, you could also buy bearish options on things like Nvidia. (There's no off-the-shelf options that go out many years, I checked)