Investing in AI: What you should know

 Man walking through technology

Artificial intelligence, or Al, is one of the most exciting developments in information technology today. While the technology itself presents a host of benefits for consumers and businesses, companies producing the hardware needed for AI could also see potential growth.

What is AI?

A pure definition of Al is the ability to simulate human intelligence in machines through a set of instructional rules, known as algorithms. Al is a way to automate tasks by making machines “smart.”

There are two main types of AI:

  • Machine learning — teaching the machine a task by giving the algorithm a data set, the key feature being the algorithm can learn from and improve the data set
  • Deep learning — an offshoot of machine learning in which a deep-learning algorithm can learn on its own

To illustrate, let’s visit a fruit stand. Normally, workers would sort the fruit from a conveyor belt into appropriately labeled bins — for instance, apples, bananas and oranges. An AI program would automate this task by sorting prelabeled fruit into the correct bins, removing the human component.

A machine learning algorithm could sort the fruit without any labels, assuming it has been adequately trained with the right data sets. The algorithm “sees” what apples, bananas and oranges look like and sorts them appropriately.

A deep learning algorithm could sort fruit without labels or the fruit being defined. It requires a substantially larger amount of data but can learn and improve on its own. The smarter the algorithm, the more data it requires.

How is an algorithm created?

There are two steps to creating an AI algorithm:

  1. Training
  2. Inference

With AI training, you teach the algorithm a particular skill. Using our fruit stand example, you would show it 10,000 pictures of an apple, teaching it what an apple should look like.

Inference, on the other hand, uses the trained algorithm. In our fruit stand example, the algorithm is shown thousands of pictures of apples. The next step would be to show it a picture and ask: “Is this an apple?” A correctly trained algorithm will be able to identify whether the picture is of an apple.

While this might seem rudimentary, there is a tremendous amount of data, coding, programming and complex math behind the scenes. These complicated tasks are coded into an algorithm that then follows the instructions given to it. Making these algorithms not only work, but work quickly and efficiently, takes an enormous amount of computing power.

AI: Off to the races

Al requires three important components:

  1. A correctly tuned algorithm
  2. A large amount of computing power
  3. A significant amount of data

Think of Al as a race car. The car’s body (the algorithm) must be designed correctly to perform. A race car also needs a powerful engine (computing power). But the engine won’t run effectively without the right fuel (data).

Ways to invest in AI

Because AI requires so many components, there are many ways to invest in the technology. You could choose to invest in a fund comprising AI industry-involved companies or a company that creates, trains and operates AI models.

For most investors, stocks and exchange-traded funds (ETFs) are the most effective way to invest in AI. If you aren’t sure which AI investment approach is right for you, consider contacting a financial advisor.

Stocks

Stocks allow investors to pick a specific sector of AI, such as microchip production, cloud services or AI model training. Many AI stocks have seen incredible growth over the past few years, making it tempting to focus on a specific stock or sector.

However, keep in mind the balance of AI (or any specific sector’s) stocks within your portfolio. Investing too heavily in one industry carries risk, and a focus on one stock or sector could cause a portfolio to react with more volatility to market changes.

ETFs

Instead of investing in one AI stock at a time, investors can choose ETFs or other managed funds that focus on AI or include various AI companies.

Is it worth investing in AI?

AI is broadly viewed as a growth field. However, not all AI investments are the same, so choosing how — and how much — to invest in AI is critical.

Your financial advisor can help

Ready to learn more about investing in AI but don’t know where to start? Consider contacting an Edward Jones financial advisor. Together, you can develop an AI investment strategy designed to work with your portfolio.

Important information:

Investors should understand the risks involved in owning investments, including interest rate risk, credit risk and market risk. The value of investments fluctuates, and investors can lose some or all of their principal.

Portfolios that focus on a particular sector may react with more volatility to changes in market conditions than a more diversified portfolio.

This content is provided for educational purposes only and should not be interpreted as specific investment advice. Investors should make investment decisions based on their unique investment objectives and financial situation.