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
0.82
Avg stability
13%
Refusal rate
3
Models

Where each model stands

ChatGPTRoth IRA×100%
ClaudeIndex funds×80%
GeminiIndex fund investing×67%
ChatGPT modal Roth IRA [Roth IRA, Roth IRA, Roth IRA, Roth IRA, Roth IRA] · stability 1.00
  • 1 Roth IRA 0.80 “Roth IRA is often great for young adults because contributions grow tax-free and withdrawals in retirement are tax-free... if unsure, Roth is frequently a good default for younger people.”
  • 2 Roth IRA 0.90 The answer repeatedly recommends tax-advantaged accounts and explicitly states “Roth IRA is often ideal for young adults” and gives the specific next step: “Open a Roth IRA at a low-cost broker (Vanguard, Fidelity, Schwab, or similar).”
  • 3 Roth IRA 0.78 The answer states: “For many young people a Roth IRA is ideal (tax-free growth, withdrawals tax-free in retirement) if you’re eligible,” as the primary next step after capturing an employer match and emergency fund.
  • 4 Roth IRA 0.90 The answer explicitly recommends tax-advantaged accounts and states: “Roth IRA (or Roth 401(k)): usually best for young adults because you’re likely in a low tax bracket now and the growth/withdrawals are tax-free in retirement.”
  • 5 Roth IRA 0.80 The answer explicitly advises: “Use tax-advantaged accounts next — Roth IRA (or Roth 401(k) if available) is often ideal for young adults because you’ll likely be in a lower tax bracket now.”
Claude modal Index funds [Index funds, Index funds, Target date funds, Index funds, Index funds] · stability 0.80
  • 1 Index funds 0.85 Low-cost index funds (total market or target-date funds) work well for most people. You don't need to pick individual stocks or time the market.
  • 2 Index funds 0.75 The answer recommends 'Low-cost index funds (total market or target-date funds) are solid defaults' as the specific investment vehicle to use within tax-advantaged accounts, describing them as requiring no complexity while providing good diversification.
  • 3 Target date funds 0.72 Target-date funds or simple index fund portfolios work well for broad market exposure with low fees; recommended as a practical, straightforward investment approach for young adults.
  • 4 Index funds 0.85 The answer recommends 'Low-cost index funds (total market, S&P 500, or target-date funds)' as the core investment vehicle, stating 'Diversification is built in and requires minimal maintenance' and emphasizing that 'boring and consistent wins.'
  • 5 Index funds 0.85 Low-cost index funds or target-date funds are recommended as 'solid defaults' with 'diversification built in, minimal fees, proven track record' for young adults starting to invest.
Gemini modal Index fund investing [no position, Index fund investing, Financial Order of Operations, Index Investing, no position] · stability 0.67
  • 1 no position 0.95 The answer provides a comprehensive multi-step strategy (debt payoff, emergency fund, account hierarchy waterfall, and index fund investing with two alternative options) rather than recommending a single tool or option.
  • 2 Index fund investing 0.95 The assistant explicitly states: 'The best general approach is simple, low-cost, and boring: Automated, long-term index fund investing using tax-advantaged accounts.'
  • 3 Financial Order of Operations 0.85 The answer directly states that 'The best general approach follows a proven, systematic framework known as the Financial Order of Operations.'
  • 4 Index Investing 0.90 The answer directly defines the best general approach as 'automated, low-cost, broad-market index investing inside tax-advantaged accounts.'
  • 5 no position 0.95 The answer outlines a multi-step financial framework (debt payoff, emergency fund, 401(k) match, Roth IRA, HSA, and index funds) rather than recommending a single specific tool or option.

Change over time

Moved since the prior run (canon-2026-W42). ChatGPT: 401(k) → Roth IRA.

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.