In the context of tariff policies becoming a focal point again, Trump's strong comeback, and artificial intelligence rapidly disrupting industries, many people are beginning to wonder: "Should I change my investment portfolio?" and even "Do I need to adjust my career and retirement plans?" Bloomberg interviewed three financial experts to provide the most practical advice for different age groups and asset planning stages. [The rest of the translation follows the same approach, maintaining the structure and translating all text except for content within <> tags]
For investors with a low cash burn rate (e.g., 2%), financial risks are lower; however, if the cash burn rate reaches 4%, careful allocation is necessary to avoid excessive reliance on the stock market.
At the same time, even though he views young people's human capital as a stable asset suitable for a more aggressive investment strategy, he remains pessimistic about the future market, believing that investors should establish an emergency fund and be psychologically prepared for potential unemployment in the next 6 to 8 months.
Tariffs and AI: Two Major Forces Reshaping Long-Term Economy
Three experts pointed out that Trump's proposed tariff policies could drive up inflation and disrupt global supply chains, which would be detrimental to the economy in the long run. Bernstein even warned: "Although the 1930 tariff policies did not directly cause the Great Depression, they indirectly contributed to World War II."
On the other hand, all three unanimously agreed that AI is a highlight industry for investment and career in recent years, especially with high investment return potential in the early growth stage. However, Bernstein believes this will not destroy the job market:
Looking back in history, past fears of technological unemployment (such as bank tellers or switchboard operators) did indeed cause direct job losses, but also created more new opportunities. Young people should maintain learning ability and flexibility, and not panic about AI potentially replacing human jobs in the future.
Expert Consensus: Stability and Flexibility Are Key to Navigating Storms
Facing multiple challenges from tariffs, AI, and geopolitics, three experts unanimously emphasized: "Young people should focus on skill enhancement and long-term investment; mid-career individuals must balance risk management and global asset allocation; retirees should concentrate on cash flow and hedging."
It is well known that diversified investment, multiple skills, and inflation-resistant assets are the unbeatable rules for crossing tariff, technology, and policy waves. This economic transformation wave may not necessarily be a risk, but could also be an opportunity, as long as you are well-prepared.
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