As far as I know, a 401k needs to be transferred to an individual's name, and then an asset transfer such as international asset allocation needs to be carried out.

You're right. Tech companies have mythologized artificial intelligence, and in many aspects, current technology simply cannot replace human labor.

Tax situation and inflation can directly affect an individual's financial situation.

In the current economic environment, there are some real-world options that are not considered stable. For tech stocks, it might be a bubble.

People who consistently have stable jobs will also avoid many losses.

First, you need to reach the legal age for a 401(k); otherwise, you'll face extremely high taxes and there's no guarantee you'll be able to transfer your assets. Furthermore, US banks are intertwined with the US economy, and the situation hasn't reached an unmanageable point yet.