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January 19, 2026, 3:42 PM EST. Business Insider explores whether people should trust AI to manage or guard their retirement funds. The piece contrasts algorithms that scan markets and retirement rules with traditional advisers who offer human judgment. Some savers welcome AI-driven tools for portfolio balance and risk assessment, arguing they can process vast data faster and remove emotion. Others push back, citing opaque models, data biases, and the stakes of long horizons. Critics say trust should come with human oversight, clear explainability, and options to opt out. The article frames a practical question: can automation reduce errors and costs without sacrificing accountability? In short, many would prefer a blended approach: use AI for analytics, keep a human in the loop for decisions that affect decades of dollars.