The Globe and Mail reports in its Wednesday edition that an intriguing question these days is which artificial intelligence companies will emerge as winners or losers. The Globe's guest columnists George Athanassakos and Christian Dippel write that they prefer software firms that own the system of record inside mission-critical workflows -- such as Constellation Software, Kinaxis or Descartes Systems Group in the Canadian market. For firms like these, commoditizing intelligence is a cheapening input into an entrenched product. Be wary of the fragile pure-plays that can fail, rather than the subsidized model efforts inside diversified giants that cannot. This matters more to Canadian savers than you may realize. Most of us will not buy these marquee AI labs directly; we will own them through index funds, pension plans and the default options in our retirement accounts. When the largest AI names finally list and index rules pull them in, the Canada Pension Plan, the big provincial funds and millions of individual index portfolios will become buyers automatically. The wise approach is to stay informed about your investments and prefer low-cost, broad exposure rather than trendy concentrated bets that are often overpriced.