Markets change, but investment strategies have a funny habit of sticking around long after their original assumptions stop making sense. A portfolio built around yesterday’s interest rates, inflation expectations, stock valuations, or retirement timeline can quietly become a poor match for the financial life it now needs to support.
That does not mean every older investing rule deserves the trash bin. Many principles still make excellent sense, including diversification, keeping costs in check, matching risk to your time horizon, and avoiding emotional decisions during market turbulence. The trick involves spotting when a strategy has turned from a thoughtful plan into a financial relic collecting dust on the shelf.
