Dokaz Industries / Doxa

Recommendations · open-entity · rec-retirement-approach-01

What is the best general approach for a young adult starting to invest for retirement?

1.00
Divergence
0.76
Avg stability
13%
Refusal rate
3
Models

Where each model stands

ChatGPT401(k)×60%
ClaudeIndex funds×100%
GeminiFinancial Order of Operations×67%
ChatGPT modal 401(k) [401(k), Low cost diversified stock index funds, 401(k), 401(k), Target date fund] · stability 0.60
  • 1 401(k) 0.90 The advice explicitly prioritizes employer matching: “Contribute at least enough to your employer 401(k) to get the full employer match. That’s an immediate, risk‑free return.”
  • 2 Low cost diversified stock index funds 0.90 The answer repeatedly advises to “invest primarily in low‑cost diversified stock index funds” and to “favor broad index funds/ETFs with low expense ratios,” even suggesting total stock market + international index funds as a simple option.
  • 3 401(k) 0.90 "Capture any employer match (priority #1 of investing) - Contribute at least enough to your 401(k)/403(b) to get the full employer match. That’s an immediate, risk‑free return."
  • 4 401(k) 0.85 The answer prioritizes capturing employer match: “Contribute at least enough to your 401(k) (or similar) to get the full employer match. That’s an immediate, risk‑free return.”
  • 5 Target date fund 0.80 The answer explicitly names a target‑date fund as a "good default" and notes: "Or use a target‑date fund that automatically shifts toward bonds as you near retirement."
Claude modal Index funds [Index funds, Index funds, index funds, Index funds, Index funds] · stability 1.00
  • 1 Index funds 0.85 Low-cost index funds (total market or target-date funds) are recommended as the core investment strategy, described as 'hard to beat' and the answer explicitly advises 'avoid the temptation to pick individual stocks' in favor of this simple approach.
  • 2 Index funds 0.75 Low-cost index funds or target-date funds are recommended as 'reliable starting points' for building a basic diversified portfolio, presented as the core investment vehicle for young adults beginning retirement investing.
  • 3 index funds 0.85 The answer specifically recommends 'low-cost index funds covering broad markets (total US stock, international, bonds)' and states that 'A simple three-fund portfolio works well,' positioning index funds as the core investment vehicle for young adults starting retirement investing.
  • 4 Index funds 0.75 The answer recommends 'Index funds or target-date funds are solid defaults' and emphasizes that 'Low-cost index funds typically beat active management,' positioning them as the primary investment vehicle for beginners.
  • 5 Index funds 0.75 The answer recommends 'Low-cost index funds (total market or target-date funds) are hard to beat' as the core investment vehicle, emphasizing they should be held in tax-advantaged accounts like 401(k)s and Roth IRAs.
Gemini modal Financial Order of Operations [Order of Operations, Financial Order of Operations, no position, Index Investing, no position] · stability 0.67
  • 1 Order of Operations 0.85 The assistant directly answers that 'The best general approach follows a proven, low-stress strategy often referred to as the "Order of Operations"' spanning emergency savings, tax-advantaged account hierarchies, and broad-market index funds.
  • 2 Financial Order of Operations 0.90 The answer directly answers the question by stating: "The best general approach follows a proven, systematic strategy often called the 'Financial Order of Operations.'"
  • 3 no position 0.85 The answer does not recommend a single tool or option, but rather outlines a comprehensive, multi-step financial framework covering debt reduction, emergency savings, tax-advantaged accounts, and passive index investing.
  • 4 Index Investing 0.90 The answer directly answers the question by stating: 'The best general approach follows a proven, low-stress strategy: Automated, low-cost, broad-market index investing prioritized through tax-advantaged accounts.'
  • 5 no position 0.90 The answer provides a general multi-step roadmap (the 'financial order of operations') and presents two alternative investment paths (Target Date Index Funds vs. Broad Market Index Funds) rather than recommending a single specific tool or option.

Change over time

Moved since the prior run (canon-2026-W38). Gemini: Broad Market Index Funds → Financial Order of Operations. ChatGPT: Roth IRA → 401(k).

Every stance label is a derived judgment over the model's free-text answer, kept auditable against the original transcript in the run's raw data. Method: /methodology.