this post was submitted on 26 Oct 2026
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Technology
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Check what funds it's invested in, most US or Global indexes/funds will have significant AI/tech exposure as it's so valuable.
Proper investment platforms will have an "x-ray" view that shows you what you actually own between all of your funds, this can be useful to understand what you are currently invested in.
Look for regional or industry specific funds and spread money between them. (You want quite a few if your doing this to spread risk)
Bonds (loans for countries and big companies) are traditionally safer and drop less in recessions, however many governments are already in a lot of debt and the risk of another bank crisis could effect their value significantly. Bonds also lose value when interest rates go up, so if inflation continues to go up they become dangerous too.
Cash is fine unless your bank goes bust, and if it's that tits up, do you trust your government's deposit guarantee?
Gold can be ok short term, but it's already up a massive amount and could drop like a stone if things DON'T go bad.
Nothing is foolproof, otherwise everyone would be doing it, best is to spread your risk so your not all in on something.