Meddling

With another year coming to a close, a close friend recently texted me and asked if I would share what adjustments I've been making to my investments. After all, the world is constantly changing! It's important that we tweak and optimize our investment portfolio, right?

I shared all my adjustments with him, and I thought I'd do the same with you. With that context in mind, I'm going to give you a detailed breakdown of all the adjustments I made in 2025:

My apologies, that was kinda boring. Perhaps you'll find 2024's adjustments more exciting:

Ok, this isn't helping. How about 2023:

The truth is, I don't tweak, optimize, mettle, or adjust. I simply invest broadly (and cheaply) in the U.S. stock market and allow time to run its course. Outside of rolling my former employer's 401(k) into my IRA nearly 7 years ago, I haven't made a single adjustment to my investment portfolio in 10+ years. It might even be 20 years, but my memory doesn't allow me to confidently testify to anything longer than a decade out.

If your investing isn't the easiest, simplest, and most hands-off thing in your life, you're doing it wrong. And by "wrong," I also mean poorly. Nothing good happens when we meddle. The best thing we can do is invest the right way and allowtime to pass. That's it. That's the secret.

If this is already what you're doing, congrats on your inevitable future (eventual) success. However, if everything I'm presenting seems foreign to you, perhaps now is a great time to reorient your portfolio and your perspective.

Have a very happy NYE!

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