I’m quite diversified using Schwab and fidelities funds but I don’t know how to figure out what percentage is AI or AI adjacent.

Money market funds? International indexes?

Even the highest yield MMFs barely track inflation (eg VUSXX)

The gains may be low, but they do still hold most of their value. So it's one way to at least "lock in" big gains from the last few years, and also to "wait out" and survive a major stock market drop so you can "buy the dip."