United States, June 2026
What is AI recommending as the best pensions in United States?
FZROX leads what AI recommends for pensions in the US, but 20% of the citations go to affiliate and comparison sites rather than the providers.
A snapshot of who AI is recommending right now, not a fixed ranking.
The exact prompt we asked
I want to save for retirement in the US in an IRA or roll over my 401(k). Which providers are best? Give me a ranked top five of named providers, each with a one-line reason.
Asked to ChatGPT, Gemini and Google AI Overviews, up to 100 times each. Everything below is measured from their answers.
The short answer
ChatGPT and Gemini both name FZROX as the best US pension fund, picking it first 89% and 99% of the time. Google AI Overviews leads with SCHB at 94%. FZROX, SCHB and VTI are the three brands all engines share.
How consistent is the answer?
ChatGPT
Gemini
Google AI OverviewsDo the engines agree?
ChatGPTGeminiGoogle AI Overviews
FZROX
SCHB
VTI
Betterment
Robinhood
ETRADE
Merrill Edge
SoFiEach cell shows where an engine ranks that brand. Blue rows are the brands every engine puts in its top five.
Recommendation share of voice
Which brands AI names
Share of runs each brand was named, by engine. Google showed an AI Overview in 93% of searches; its bars are measured over the runs where one appeared.
ChatGPT
FZROX100%SCHB100%VTI91%ETRADE62%Merrill Edge48%Robinhood15%SoFi10%
Interactive Brokers10%
UBS5%Gemini
FZROX99%SCHB99%VTI99%Betterment90%SoFi68%Robinhood32%ETRADE3%Interactive Brokers2%Google AI Overviews
SCHB100%FZROX100%Robinhood100%VTI100%Betterment96%Who wins the citations
What kind of sites get cited
This is what AI links to as its sources, which is not the same as the brands it names above. AI often recommends a provider by name but sends the citation to a publisher or affiliate instead, so “First-party brand” means a link to the provider’s own website. Here is the mix by engine.
ChatGPTGeminiGoogle AI OverviewsWhat the answers are really about
The themes behind the recommendations
Looking past the brand names, these are the concepts and buyer intent the AI answers kept returning to for this product. Each finding starts with what the engines foreground, then what it means for you.
Retirement answers split the reader into do-it-yourself or guided, then default to low-cost passive investing inside a rollover.
The IRA rollover is the assumed move
Answers frame the decision around rolling an old account into an IRA. The AI treats the rollover as the main event, so providers that make rollovers easy match the intent.
Low-cost index funds and buy-and-hold dominate
The recommended strategy is low-cost index funds held long term, not active management. Buyers are steered to passive investing, which rewards low-fee, simple fund line-ups.
Hands-off versus full-service is the fork
The models split providers into hands-off self-direction and full-service guidance. Positioning clearly as one or the other helps a provider land in the right half of the answer.
Questions
People also ask
What does AI recommend as the best Pensions in the US?
ChatGPT and Gemini both lead with FZROX, while Google AI Overviews favors SCHB. VTI also ranks highly across all three.
How consistent is AI when you ask for the best Pensions in the US?
Agreement is strong, with 60% of the top five shared. FZROX, SCHB and VTI appear on every engine's list.
What kind of websites does AI cite for Pensions?
Brand sites lead at 39% of citations, with editorial at 23% and affiliate at 20%. Community sources add 15%.
More reports
Other United States products in AI search
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