I spent 10 years learning the best investing tools are just vti and patience

I've been investing for about a decade now and I feel like I'm finally starting to actually get it, not that I'm some expert but I've gone through enough cycles to see why bogle philosophy makes sense

I started in 2015 with individual stocks because I thought I could beat the market, bought some winners like apple and microsoft but also had total losers I don't want to think about like I did fine overall but spent way too much mental energy researching and timing entries

Around 2018 I shifted mostly to index funds but kept 20% in individual picks because I couldn't let go, that 20% underperformed my vti holdings basically every single year, sometimes by a lot, sometimes a little, but consistently

Last year I finally sold everything and went to a 100% three fund portfolio, vti for us, vxus for international, bnd for bonds. My allocation is 70/20/10 which feels right but the mental clarity from simplifying was honestly the best part, I don't spend hours reading earnings or arguing online anymore, I check everything with blossom now and my returns have been totally fine, just buying more shares monthly and ignoring the noise, nothing crazy but steady…

If you're on the fence about going full bogle I'd say just do it, the peace of mind is worth more than chasing extra returns