A rule change could push your retirement savings into massive AI-related IPOs whether you want it or not — bad for savers, good for the companies cashing out.

• New financial rules let 401k and pension plans automatically funnel your money into some of the biggest IPOs ever.
• BlackRock's Larry Fink says retirement and pension funds will help pay to build out AI infrastructure.
• The money is set to come from savings accounts, pensions, and insurance companies — much of it without savers choosing it.
• The worry is this looks like one of the biggest market bubbles in history, with everyday investors buying in near the top.

Outlook: Expect more retirement money steered into AI and private deals in the coming weeks, raising the risk for ordinary savers if the bubble pops.