this post was submitted on 03 Oct 2023
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If you come from the future and the best investment vehicle you can think of is a 401k, you don't deserve to be a time traveler.
Maybe there's a framework of rules that the time traveler must adhere to (or risk being disintegrated by the time police).
For example, specific knowledge of the future is off-limits, but it's OK to give basic advice as long as it's already general knowledge for the time period you're traveling to. Make sound investments, eat right, exercise, don't smoke, etc.
Wear sunscreen
So first they nerf our AI and now they gotta nerf our future self time travlers?
Maybe it's not the best, but it's the correct one. Clearly future self knows something we don't
In before future self just forgot to check and is just trying to make the best use of it
Maybe "buy weyland yutani stock" is timetraveler insider trading
If you can alter the future it might make sense. Say I tell you to invest in whatever comes after NPTs. Maybe your investment will alter the course of what happened. However I seriously doubt that 10% of your income in an index fund will alter much. Also, there is a problem with getting money too early. You go back and give young you lottery numbers, they make bank and die of an O.D. a decade later.
A Roth 401k or Roth IRA is much better than a regular 401k
If you can contribute to them.