I think like this: “If there is a cost to a simple solution, it should not outweigh its benefit”. And, the benefit may not be financial.My version of the Boglehead mantra is "you might as well keep it simple, because there's no compelling evidence that the complicated portfolios will do better going forward." Simplicity for the sake of simplicity is part of the Boglehead idea.
This reminds me of the long thread on this forum about using one globally-diversified fund for all accounts. Simple yes, but could have costs due to suboptimal asset location.
It also reminds me of my own goal of producing the simplest retirement spending solution I can, without losing too much to the cost.
Statistics: Posted by GaryA505 — Fri Sep 19, 2025 1:31 pm — Replies 10 — Views 945