{"id":33716,"date":"2023-11-10T19:30:55","date_gmt":"2023-11-10T19:30:55","guid":{"rendered":"https:\/\/isafespend.com\/news\/t-bill-and-chill-why-jack-bogles-strategy-of-lazy-investing-is-making-a-comeback\/"},"modified":"2023-11-10T19:30:57","modified_gmt":"2023-11-10T19:30:57","slug":"t-bill-and-chill-why-jack-bogles-strategy-of-lazy-investing-is-making-a-comeback","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=33716","title":{"rendered":"&#8216;T-bill and chill&#8217;: Why Jack Bogle&#8217;s strategy of &#8216;lazy&#8217; investing is making a comeback"},"content":{"rendered":"<div id=\"RegularArticle-ArticleBody-6\" data-module=\"ArticleBody\" data-test=\"articleBody-2\" data-analytics=\"RegularArticle-articleBody-6-2\"><span class=\"HighlightShare-hidden\" style=\"top:0;left:0\"><\/span><\/p>\n<div class=\"group\">\n<p>Boring investing is making a comeback.<\/p>\n<p>With the meme-stock rally in the review mirror and interest rates surging, individual investors are rediscovering the philosophy made famous by Vanguard&#8217;s founder, Jack Bogle. The father of market indexes preached low-cost, passive investments that compound over years. Fans call themselves &#8220;Bogleheads,&#8221; and the strategy &#8220;lazy&#8221; investing.<\/p>\n<p>They&#8217;re well positioned for the current market. Timing has proved difficult this year, with eight days accounting for all of the S&amp;P 500&#8217;s gains, according to DataTrek. Higher rates have slammed tech and growth stocks, which dominated retail traders&#8217; portfolios during the pandemic. <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-2\">GameStop<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>, the original meme trade, is down roughly 85% from its all-time high.<\/p>\n<p>Dan Griffin, a self-proclaimed Boglehead based in Florida, said he watched the meme stock rally in amusement. The current market condition is proof that his &#8220;tortoise&#8221; investing approach is the right one to building long-term wealth, he said.<\/p>\n<p>&#8220;It&#8217;s a little bit of vindication,&#8221; Griffin told CNBC. &#8220;I&#8217;m happy to be the boring investor, I&#8217;m happy to be the tortoise. While the hare does win sometimes, the tortoise more often than not, is going come out ahead.&#8221;<\/p>\n<p>Christine Benz, a director of personal finance and retirement planning for Morningstar, said investors are gravitating towards higher yields right now to capture value \u2014 another core principle of the Bogleheads.<\/p>\n<p>&#8220;Bogleheads are investing for the very long haul \u2014 the idea is that you&#8217;re putting money into your account and just adding to it, maybe not touching it or looking at it for another 30 years,&#8221; she said. &#8220;The meme stock phenomenon seemed so focused on being incredibly plugged into your portfolio and monitoring your investments \u2014 I see the Bogleheads&#8217; philosophy as being antithetical to all of that.&#8221;<\/p>\n<\/div>\n<h2 class=\"ArticleBody-subtitle\">Wall Street Bets to Bogleheads<\/h2>\n<div class=\"group\">\n<p>Brokerage firm <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-3\">Robinhood<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>, once synonymous with day trading, is seeing a similar pivot to higher yields and longer-term thinking.<\/p>\n<p>The company launched retirement accounts this year, and offers 3% back on cash as it tries to diversify away from slumping trading fees. Robinhood&#8217;s co-founder and CEO Vlad Tenev told CNBC that investors have been moving into cash, money market funds and bond ETFs. He noted more chatter in Bogleheads&#8217; Reddit group, versus the infamous Wall Street Bets.<\/p>\n<p>&#8220;One of the really interesting things that we&#8217;ve seen over the past couple of months is Robinhood being mentioned, and discussed in these traditional passive investing forums, like Bogleheads on Reddit,&#8221; Tenev said. &#8220;People are building long-term portfolios on Robinhood, taking advantage of the better economics and the tools to do that.&#8221;<\/p>\n<p>Bond ETFs are one way retail investors have tried to capture rising interest rates. The <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-4\">SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL)<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span> was the third most-bought name last week after <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-5\">the Invesco QQQ Trust (QQQ)<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span> and <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-6\">SPDR S&amp;P 500 ETF (SPY)<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>, according to Vanda Research. It saw the largest single-day of net inflows to the ETF since the firm began measuring it almost a decade ago.<\/p>\n<p>&#8220;Clearly, income-seeking retail investors are taking advantage of the new high-rate regime, which had been missing from the investment landscape since the pre-GFC [Great Financial Crisis] years,&#8221; Marco Iachini, senior vice president of Vanda Research, said in a note to clients. &#8220;Some are calling it &#8216;T-Bill and chill.'&#8221;<\/p>\n<p>Younger investors are even exposed to fixed income compared to their older counterparts. In its annual study, Schwab Asset Management shows millennial ETF investors have 45% of their portfolios in fixed income \u2014 compared to 37% for Generation X. The survey showed 51% of millennials plan to invest in bond ETFs next year, compared to 40% of baby boomers.<\/p>\n<p>While far from a meme stock, the move to fixed income could still be risky.<\/p>\n<p>The <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-7\">iShares 20+ Year Treasury Bond ETF (TLT)<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"><\/span><\/button><\/span><\/span><\/span>, has seen $19.8 billion in assets flood in this year, according to BlackRock. If yields go up, funds like TLT will suffer \u2014 since bond yields move inversely to prices. That&#8217;s been the case this year, with TLT down about 50% from its record high. On the other hand, if yields fall, bond funds should outperform.<\/p>\n<\/div>\n<div class=\"group\">\n<p><em><strong>Don&#8217;t miss these stories from CNBC PRO:<\/strong><\/em><\/p>\n<\/div>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.cnbc.com\/2023\/11\/10\/t-bill-and-chill-why-jack-bogles-strategy-of-lazy-investing-is-making-a-comeback-.html\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Boring investing is making a comeback. With the meme-stock rally in the review mirror and interest rates surging, individual investors are rediscovering the philosophy made famous by Vanguard&#8217;s founder, Jack Bogle. The father of market indexes preached low-cost, passive investments that compound over years. Fans call themselves &#8220;Bogleheads,&#8221; and the strategy &#8220;lazy&#8221; investing. They&#8217;re well<\/p>\n","protected":false},"author":1,"featured_media":33717,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":{"0":"post-33716","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&#039;T-bill and chill&#039;: Why Jack Bogle&#039;s strategy of &#039;lazy&#039; investing is making a comeback | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Boring investing is making a comeback.With the meme-stock rally in the review mirror and interest rates surging, individual investors are rediscovering\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isafespend.com\/?p=33716\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&#039;T-bill and chill&#039;: Why Jack Bogle&#039;s strategy of &#039;lazy&#039; 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