Reinforcement Learning for Long-Horizon Wealth Accumulation
pub.towardsai.net
·2d
🤖AI use in investment banking
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A decision-theoretic view of long-term investing, with path-dependent risk, capital growth, and adaptive allocation

7 min readJust now

Motivation: why long-term investing is not a prediction problem

Most retail discussions of “AI investing” quietly start from the same assumption: that the core task is prediction.

Predict tomorrow’s return. Classify the next trend. Time entries and exits more precisely.

After years of real-world investing, I came to a different conclusion.

The hardest part of long-horizon investing is not forecasting individual price moves. It is designing a decision process that:

  1. survives repeated regime changes,
  2. avoids catastrophic, path-dependent mistakes, and
  3. remains actionable under realistic frictions — transaction …

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