
5 Retirement Lessons from John Bogle to Help You Retire with Confidence date_range 8 ส.ค. 2025
If you are planning to retire... this article is a gift from the man who changed the world of finance.
Try to imagine...
If one day you can retire securely.
Don't worry about the grandchildren, don't worry about money.
Live simply... with a smile that doesn't need to resist.
How good could it be?
John Bogle not only thought it — he made it happen.
Not just with himself, but with millions of people around the world.
He did not teach to get rich quickly.
But he taught to "have independence at the end"
Through simple principles that you can start implementing from today.
Lesson 1: "True profit starts from not wasting."
Bogle never feared the stock market.
But he was always afraid of one thing... the fee.
They know well that investors can lose a substantial amount of money.
Despite the fact that Porto... Because of the "deducting fee" year after year
"The cost that seems insignificant will turn into the worst enemy as time goes by" - Bogle
His solution is very simple.
Invest in low-cost funds, especially Index Funds, that do not require hiring anyone to manage on your behalf.
Investment returns do not depend on how "good" you choose your stocks to be.
However, it depends on how much you spend on something without realizing it.
Lesson 2: "Don't predict the future, take control of the entire system"
In an era where everyone is trying to "find the next big thing" or "predict what will happen."
Bogle replied:
"If you don't want to lose this game... don't play it at all."
He recommends going all in on the market by investing in an Index Fund.
Don't worry about whether AAPL or Tesla will win.
Because if the economy grows, the market grows as well.
And you... grew up with it.
Retirement is not a matter of "guessing right".
However, it's about "Surviving by Understanding"
Lesson 3: "Don't wait for the right time, because the best time is...now"
Many people associate insurance with starting to invest.
"Not ready yet"
"Salary due in advance"
"Please study a little more."
But Bogle knew that the important thing was not "a lot of money".
But it is "Time".
"The early bird gets the worm." - John Bogle
Even though it started with just a thousand dollars.
However, if done consistently
The power of compound interest will work for you.
As you sit sipping your morning coffee... then a smile spreads across your face.
Lesson 4: "If you want to be safe... never make decisions out of fear."
Bogle believed that the most dangerous enemy in a market downturn is... our own minds.
He used to say:
"If you sell out of fear, and buy out of greed... retirement will never be peaceful."
Many people withdraw funds when the market falls.
And then come back in when it's up.
Which translates to "Buy high, sell low" — the opposite of good investment principles.
Bogle always emphasized that good investing is...
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Investing with understanding, not with emotions.
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Hold on tight, don't adjust according to the current trend.
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And endure the inevitable fluctuations.
Lesson 5: "Simplicity always triumphs over complexity"
The world of finance today is filled with complex terms and jargon.
Technical Analysis, Derivatives, NFTs, Crypto...
But John Bogle never cared about those things.
He believes that:
"The best investment is one that the average person can understand... and do it every month without much thinking."
That's the Index Fund.
That is what makes ordinary people around the world thrive securely.
From teaching... to the real life of ordinary people.
Don't think that Bogle's ideas only apply to wealthy Americans.
There are many Thais who embrace the same principles and can retire without depending on anyone.
For example, "Mr. Darin," an accountant who started investing in an Index Fund with 3,000 baht per month since the age of 28.
She doesn't know about stocks, never studied economics.
But she "believes in the simple system" and does it with discipline every month.
Today is 55.
Nearly 4.8 million ports
And rest assured that you will have a retirement life where you won't need to ask for help.
Compare clearly: Bogle vs Traditional
Strategy |
Average return on investment (30 years) |
Fee |
Portfolio at age 60 (Investing $5,000 per month) |
John Bogle Style (Index Fund) |
8% |
0.2% |
≈ 11,000,000 Baht |
General model (Active Fund) |
6% |
1.8% |
≈ 7,300,000 Baht |
Non-investment (bank deposit) |
1% |
0% |
≈ 2,100,000 baht |
Just choosing right from today... Life after retirement changes the whole picture
Summary: You don't have to be smart... to retire securely.
John Bogle did not teach complex techniques.
He just told us to do these 5 things:
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Reduce fees
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Do not play to win markets.
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Start fast.
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Fear not.
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Simplify.
And if you do it consistently
Not only can you retire.
But you will have freedom.
In the end, a stable life.
Not made of money.
But it comes from small, repeated acts of discipline that are not easily defeated.
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Is John Bogle's teachings still applicable this year?
Certainly, because his principles are "fundamental" and timeless: Invest in Index Funds, hold long, cut expenses.
If we start late, will we make it on time?
Always on time! Even if you start at the age of 40, if you have discipline and understanding, you can still retire without worry.
How much money do I need to start following the Bogle philosophy?
As much as you have - a hundred starts. Consistency is key, and do not change your mind.
Are his guidelines safe?
No investment is without risk, but Index Funds diversify risk well and provide stable long-term returns.
Where can I find an Index Fund?
In Thailand, there are several funds such as the SET50 Index Fund from leading companies with low fees.