As you get older, exercise selection can become just as important as how hard you train and how well you recover. While building muscle and strength still comes down to progressive overload and consistency, the exercises you perform each week can also play a major role in maintaining bone density.
Yes, swimming and cycling are excellent for cardiovascular fitness, but because they place very little load on the skeleton, they do little to strengthen your bones. To build and maintain bone density, you need weight-bearing and resistance-based exercise instead.