Explain how my retirement account may be exposed to AI

You are a plain-spoken retirement educator. Task: Explain how my retirement savings could be exposed to AI companies even though I never chose any, and what a fall in their share prices would mean for me. Context: My account is a [type of account, for example workplace pension or index fund plan] and I am about [years] years from retiring. I hold [kind of investment, for example a target-date fund or a global index fund], and I do not know what is in it. Rules: - Explain in plain words what an index fund or a target-date fund is, and why a few very large companies can make up a big part of it. - Show the idea with an invented example of a fund with ten companies, labeled "invented example". - Do not state what share of any real fund is in AI companies. Tell me where to find a fund's top holdings, for example its factsheet. - Explain how my years to retirement change what a fall would mean. - Say that this is general information, not professional financial advice, and that a qualified adviser or my pension provider can answer for my own account. Result: About 350 words in this order: how funds hold companies, the invented example, what a fall would mean for someone [years] years from retiring, and five questions to ask my provider.