Investing - Theory, News & General • Paradigm shifts in investing

So, there seems to be a lot of different ideas on how to use your savings for income in retirement. Examples: 60/40, 4% SWR, 25x spending, glide path, reverse glide path, etc. No real consensus on what is best. The Bogleheads paradigm for investing is holding a 3 fund portfolio of US/Int/bonds in low cost index funds at a weighting that makes you comfortable. This has been a great, simple strategy for building wealth over time. The market is dynamic. This method HAS worked over the past condition. The market has changed over time with new technology. The way we trade has even changed. Trading fees are mostly gone now and there are a lot more choices of low cost funds, active, factor, and index. Lots of new asset classes. Should there be a paradigm shift/change in how one invests to adjust for all the changes? The Bogleheads method was developed at a time when there were a very limited number of low cost choices. Times have changed immensely since this was 1st implemented.

Funny, I just read this article after posting this. Maybe it is a sign from Jack himself. https://www.earnandinvest.com/p/the-dan ... he-last-20

Statistics: Posted by ChinchillaWhiplash — Sun Sep 20, 2026 8:14 am