I don't do anything especially clever. For most of my adult life, I've just held S&P 500 index funds. When I quit my job, I moved to the Bogleheads three-fund

I don't do anything especially clever. For most of my adult life, I've just held S&P 500 index funds. When I quit my job, I moved to the Bogleheads three-fund portfolio.[0] I've been getting good returns, but like you said, it's been an unusual few years in the financial markets, so my portfolio hasn't been tested under challenging conditions. [0] https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio