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Tech giants are expected to spend a whopping $7 trillion on AI infrastructure by 2030, according to McKinsey (1). That’s more than the size of Germany and Spain’s GDP combined, per World Bank data (2).
If you’re wondering where all that money is coming from, the answer might surprise you: It’s your “savings accounts and pension accounts.” That’s according to BlackRock CEO Larry Fink, who made the prediction at the Texas State Technical College in Waco alongside Texas Governor Greg Abbott, according to 25 News KXXV (3).
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“If we can get more and more Americans to think about growing with the United States, we will have far [more] than enough money to invest in this infrastructure,” said the banker. Altogether, Fink estimated, the nationwide build out of data centers and energy infrastructure could total $10 trillion over the next ten years.
Here’s how some of your retirement funds are already fuelling this colossal spending spree on a technology designed to take your job away.
Ordinary Americans financing the AI boom
Your 401(k) plan is propping up the AI boom, even if you’re not aware of it. That’s because a growing number of workers and savers have turned to passively investing in index funds in recent years, even as tech giants have become a larger part of these indexes.
As of April 2026, Americans collectively had $20.82 trillion invested in index mutual funds and ETFs, according to the Investment Company Institute (4). Traditionally, these index funds were well-diversified but that isn’t the case anymore. At the end of 2025, 41% of the S&P 500’s market cap was concentrated in just the top ten stocks, including familiar names like Microsoft, Amazon, Google and Tesla, according to RBC Wealth Management (5).
These tech giants are leading the data center and utility spending spree. “America is now one big bet on AI,” Ruchir Sharma wrote in the Financial Times (6). “AI better deliver for the U.S., or its economy and markets will lose the one leg they are now standing on.”
As one of the largest index fund providers (7) in the country, BlackRock has a front-row seat to this concentrated bet on AI. This is why Larry Fink’s comments are worth your attention.
If the fact that your nearing retirement now hinges on the success of AI makes you uneasy, there are ways to protect yourself.
Protect your wealth now
With nearly everyone piling into a single bet at the same time, taking a contrarian approach and diversifying away from the U.S. stock market could be a sound move.
You don’t need to abandon the S&P 500 altogether. Just a little exposure to alternative assets and fixed income could help make your overall portfolio more robust.
One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.
Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, which combines the tax advantages of an IRA with the protective benefits of investing in gold, making it an attractive option for those looking to potentially hedge their retirement funds against economic uncertainty.
To learn more, you can get a free information guide that includes details on how to get up to $10,000 in free silver on qualifying purchases.
Another way to diversify your portfolio is to perhaps consider some tangible real estate. Rental properties with steady cash flow could serve as shock-absorbers if the AI bet goes awry.
But purchasing a property outright isn’t affordable for everyone. But even as real estate prices are prohibitively high for many Americans, it’s never been easier to invest in real estate.
mogul is one such real estate investment platform that can help you get started with fractional ownership in blue-chip rental properties.
Founded by former Goldman Sachs real estate investors, the mogul team handpicks the top 1% of single-family rental homes nationwide for you. Simply put, you can invest in institutional quality offerings for a fraction of the usual cost.
Each property undergoes a rigorous vetting process, requiring a minimum 12% return even in downside scenarios. Across the board, the platform features an average annual IRR of 18.8%. Their cash-on-cash yields, meanwhile, average between 10% to 12% annually. Offerings often sell out in under three hours, with investments typically ranging between $15,000 and $40,000 per property.
Every investment is secured by real assets, not dependent on the platform’s viability. And each property is held in a standalone Propco LLC, so investors own the property — not the platform. Blockchain-based fractionalization adds a layer of safety, ensuring a permanent, verifiable record of each stake.
Getting started is a quick and easy process. You can sign up for an account and then browse available properties. Once you verify your information with their team, you can invest like a mogul in just a few clicks.
A few steps to diversify and add hard assets to your portfolio could protect your wealth if this concentrated AI build out slows down.
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Article Sources
We rely only on vetted sources and credible third-party reporting. For details, see our ethics and guidelines.
McKinsey & Company (1); World Bank (2); YouTube (3); International Cocoa Initiative (4); RBC Wealth Management (5); Financial Times (6); ICFS (7)
This article provides information only and should not be construed as advice. It is provided without warranty of any kind.
