Investing - Theory, News & General • Does the three-fund portfolio still hold in 2026?

So that would not be the complete plan, but this is one of the relatively well-confirmed observations in that research. The more people think about possible losses that don't actually matter to them, the more they observe them in real time, and so on, the more they tend to act in ways contrary to their long term interests.

This is a really challenging thought here, because it is basically like telling a forum for DIY car modification enthusiasts that they would be better off almost never opening up their hoods or picking up a wrench, that they should just drive their cars, and only take them to a professional car mechanic for regular maintenance or if there is a warning light. And they should probably also get off their forum so they don't even hear about other people tinkering, to help avoid the temptation.

That's pretty much the last audience you would expect to be receptive to that sort of message, and I think it is the same problem around here. We (and I do include myself) are often people who love to open up the hoods on our financial portfolios, to see how the parts work, and to maybe start tinkering. We in fact want to talk to other people like us, and share tinkering tips, argue about the things only enthusiasts argue about, and so on.

So telling us we'd probably be better off giving up our hobby is a hard, hard sell.

Statistics: Posted by WeakOldGuy — Wed Jan 28, 2026 12:09 pm — Replies 116 — Views 8148