They probably think the 3F portfolio is not "good enough" for them, I guess.
Speaking for myself, after trying different strategies (mostly performance chasing to start with![:annoyed]( "annoyed")
) since the early 90's such as Fidelity Magellan, Fidelity Select (Technology, Biotech, Health Care ...), Emerging Markets, various Janus / Oakmark funds, equal weights between Large/Mid/Small Cap/International etc. I discovered the 3-fund portfolio through Bogleheads when we retired 7 years ago and it has been "good enough" for me, i.e. I am very satisfied with its performance / risk / simplicity trade-offs.
FWIW our ~60/40 portfolio was worth 100% when we retired 7 years ago, we withdrew 23% to support living expenses including taxes on Roth conversions, and now it's worth 139% - for an annual average return of roughly 7.7% - and the total Roth account balance is now 36% of our portfolio (from ~1% 7years ago). We are very grateful for what we learned from BHs, especially the 3-F portfolio.
Speaking for myself, after trying different strategies (mostly performance chasing to start with
) since the early 90's such as Fidelity Magellan, Fidelity Select (Technology, Biotech, Health Care ...), Emerging Markets, various Janus / Oakmark funds, equal weights between Large/Mid/Small Cap/International etc. I discovered the 3-fund portfolio through Bogleheads when we retired 7 years ago and it has been "good enough" for me, i.e. I am very satisfied with its performance / risk / simplicity trade-offs.FWIW our ~60/40 portfolio was worth 100% when we retired 7 years ago, we withdrew 23% to support living expenses including taxes on Roth conversions, and now it's worth 139% - for an annual average return of roughly 7.7% - and the total Roth account balance is now 36% of our portfolio (from ~1% 7years ago). We are very grateful for what we learned from BHs, especially the 3-F portfolio.
Statistics: Posted by DSBH — Thu Aug 29, 2024 3:22 pm — Replies 53 — Views 3202