--- title: "Meaning & Key Takeaway of: It seems to me - particularly for these…" description: "\"It seems to me - particularly for these retirement-plan investors, the vast majority of whom are not particularly financially sophisticated - by far th..." image: "https://sms4smile.com/quotes/i/b16/john-c-bogle-2199_best_it-seems-to-me-particularly-for-these-re_3045570.jpg" --- # It seems to me - particularly for these retirement-plan… ![“It seems to me - particularly for these retirement-plan investors, the vast majority of whom are not particularly financially sophisticated - by far the best way is to invest in index funds.” quote by John C. Bogle](https://sms4smile.com/quotes/i/b16/john-c-bogle-2199_best_it-seems-to-me-particularly-for-these-re_3045570.jpg) [Download](https://sms4smile.com/quotes/i/b16/john-c-bogle-2199_best_it-seems-to-me-particularly-for-these-re_3045570.jpg) [Open image](https://sms4smile.com/quotes/i/b16/john-c-bogle-2199_best_it-seems-to-me-particularly-for-these-re_3045570.jpg) > “It seems to me - particularly for these retirement-plan investors, the vast majority of whom are not particularly financially sophisticated - by far the best way is to invest in index funds.” [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Investing in low‑cost index funds is the most reliable way for unsophisticated retirement investors to grow wealth. **In simple terms:** Index funds are safest for most retirees. Key Takeaway Choose diversified, low‑fee index funds. Themes investing retirement simplicity Mood pragmatic reassuring Type financial advice When to use this quote - planning for retirement - saving for college - building an emergency fund Key Concepts efficient‑market hypothesis passive investing Questions to Reflect On - How can you balance safety and growth? - Are you comfortable with market volatility? A Different Perspective Index funds may underperform in extreme market conditions. ★ ★ ★ ★ ★ No ratings yet [Best](https://sms4smile.com/quotes/about/best/) [Far](https://sms4smile.com/quotes/about/far/) [Financially Sophisticated](https://sms4smile.com/quotes/about/financially-sophisticated-5041289/) [Index funds](https://sms4smile.com/quotes/about/index-funds/) [Invest Index](https://sms4smile.com/quotes/about/invest-index-5041288/) [Investing](https://sms4smile.com/quotes/about/investing/) [Investors Vast](https://sms4smile.com/quotes/about/investors-vast-5041290/) [Majority](https://sms4smile.com/quotes/about/majority/) [Particularly Retirement](https://sms4smile.com/quotes/about/particularly-retirement-5041291/) [Sophisticated](https://sms4smile.com/quotes/about/sophisticated/) [Way](https://sms4smile.com/quotes/about/way/) ## Related quotes > [Index funds eliminate the risks of individual stocks, market sectors, and manager selection. Only stock market risk remains.](https://sms4smile.com/quotes/john-c-bogle/index-funds-eliminate-the-risks-of-individual-stocks-market-sectors/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [I had done some work on index funds in my senior thesis at Princeton in 1951.](https://sms4smile.com/quotes/john-c-bogle/i-had-done-some-work-on-index-funds-in-my-senior-thesis-at-princeton/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [In investing, you get what you don't pay for. Costs matter. So intelligent investors will use low-cost index funds to build a diversified portfolio…](https://sms4smile.com/quotes/john-c-bogle/in-investing-you-get-what-you-don-t-pay-for-costs-matter-so/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [The long-term focus of index funds is a much needed counterweight to the short-termism favored by so many market participants.](https://sms4smile.com/quotes/john-c-bogle/the-long-term-focus-of-index-funds-is-a-much-needed-counterweight-to/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [With long-term investing, index funds are a great tool.](https://sms4smile.com/quotes/carl-nassib/with-long-term-investing-index-funds-are-a-great-tool/) [Carl Nassib](https://sms4smile.com/quotes/author/carl-nassib/) > [After a lifetime of picking stocks, I have to admit that Bogle's arguments in favor of the index fund have me thinking of joining…](https://sms4smile.com/quotes/jim-cramer/after-a-lifetime-of-picking-stocks-i-have-to-admit-that-bogle-s/) [Jim Cramer](https://sms4smile.com/quotes/author/jim-cramer/) > [A low-cost index fund is the most sensible equity investment for the great majority of investors. My mentor, Ben Graham, took this position many…](https://sms4smile.com/quotes/warren-buffett/a-low-cost-index-fund-is-the-most-sensible-equity-investment-for-the/) [Warren Buffett](https://sms4smile.com/quotes/author/warren-buffett/) > [It's bad enough that you have to take market risk. Only a fool takes on the additional risk of doing yet more damage by…](https://sms4smile.com/quotes/william-j-bernstein/it-s-bad-enough-that-you-have-to-take-market-risk-only-a-fool-takes/) [William J. Bernstein](https://sms4smile.com/quotes/author/william-j-bernstein/) > [While it is probably a poor idea to own actively managed funds in general, it is truly a terrible idea to own them in…](https://sms4smile.com/quotes/william-j-bernstein/while-it-is-probably-a-poor-idea-to-own-actively-managed-funds-in/) [William J. Bernstein](https://sms4smile.com/quotes/author/william-j-bernstein/) > [Most of the mutual fund investments I have are index funds, approximately 75%.](https://sms4smile.com/quotes/charles-r-schwab/most-of-the-mutual-fund-investments-i-have-are-index-funds/) [Charles R. Schwab](https://sms4smile.com/quotes/author/charles-r-schwab/) > [I'd say the general outline of a sound investment approach is, first of all, you have to decide are you going to try to…](https://sms4smile.com/quotes/whitney-tilson/i-d-say-the-general-outline-of-a-sound-investment-approach-is-first/) [Whitney Tilson](https://sms4smile.com/quotes/author/whitney-tilson/) > [By periodically investing in an index fund, the know-nothing investors can actually outperform most investment professionals.](https://sms4smile.com/quotes/warren-buffett/by-periodically-investing-in-an-index-fund-the-know-nothing-investors/) [Warren Buffett](https://sms4smile.com/quotes/author/warren-buffett/) > [We can extrapolate from the study that for the long term individual investor who maintains a consistent asset allocation and leans toward index funds,…](https://sms4smile.com/quotes/roger-g-ibbotson/we-can-extrapolate-from-the-study-that-for-the-long-term-individual/) [Roger G. Ibbotson](https://sms4smile.com/quotes/author/roger-g-ibbotson/) > [The key aspect of an index fund is that many of them, not all of them, but many of them are extremely cheap.](https://sms4smile.com/quotes/william-j-bernstein/the-key-aspect-of-an-index-fund-is-that-many-of-them-not-all-of-them/) [William J. Bernstein](https://sms4smile.com/quotes/author/william-j-bernstein/) > [Most investors, both institutional and individual, will find that the best way to own common stocks (shares') is through an index fund that charges…](https://sms4smile.com/quotes/warren-buffett/most-investors-both-institutional-and-individual-will-find-that-the/) [Warren Buffett](https://sms4smile.com/quotes/author/warren-buffett/) ## More by John C. Bogle > [The basic idea of retirement income is, to me, to get a check, two checks every month, one from your fixed income and one…](https://sms4smile.com/quotes/john-c-bogle/the-basic-idea-of-retirement-income-is-to-me-to-get-a-check-two/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [When you're young, you've got plenty of time to recover from your mistakes.](https://sms4smile.com/quotes/john-c-bogle/when-you-re-young-you-ve-got-plenty-of-time-to-recover-from-your/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [I almost hate to say how proud I am of my career and, most of all, helping folks get the returns they deserve.](https://sms4smile.com/quotes/john-c-bogle/i-almost-hate-to-say-how-proud-i-am-of-my-career-and-most-of-all/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [The Vanguard Experiment was designed to prove that mutual funds could operate independently, and do so in a manner that would directly benefit their…](https://sms4smile.com/quotes/john-c-bogle/the-vanguard-experiment-was-designed-to-prove-that-mutual-funds-could/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [“An investment in knowledge always pays the best interest. Learning is to the Studious, and Riches to the Careful. If a man empties his…](https://sms4smile.com/quotes/john-c-bogle/an-investment-in-knowledge-always-pays-the-best-interest-learning-is/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [I liked the so-called Volcker Rule. I would have separated investment banking and commercial, deposit banking, as we did under the Glass-Steagal Act. I…](https://sms4smile.com/quotes/john-c-bogle/i-liked-the-so-called-volcker-rule-i-would-have-separated-investment/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [We make too much out of past performance, and it's very misleading to investors. It causes them to move money around. They buy a…](https://sms4smile.com/quotes/john-c-bogle/we-make-too-much-out-of-past-performance-and-it-s-very-misleading-to/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [It's very difficult for any particular segment of the stock market to sustain superior performance. The watch word for our financial markets is, "reversion…](https://sms4smile.com/quotes/john-c-bogle/it-s-very-difficult-for-any-particular-segment-of-the-stock-market-to/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [I do think that impact investing is not that effective. Shares go from investor A to investor B, and the company doesn't even know…](https://sms4smile.com/quotes/john-c-bogle/i-do-think-that-impact-investing-is-not-that-effective-shares-go-from/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [I was born in an earlier generation and, as a group, my classmates at Blair Academy and Princeton University were as ethical, straightforward, and…](https://sms4smile.com/quotes/john-c-bogle/i-was-born-in-an-earlier-generation-and-as-a-group-my-classmates-at/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [My only regret about money is that I don't have more to give away.](https://sms4smile.com/quotes/john-c-bogle/my-only-regret-about-money-is-that-i-don-t-have-more-to-give-away/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [U.S. companies are innovative and entrepreneurial.](https://sms4smile.com/quotes/john-c-bogle/u-s-companies-are-innovative-and-entrepreneurial/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [Successful investing is about owning businesses and reaping the huge rewards provided by the dividends and earnings growth of our nation's - and, for…](https://sms4smile.com/quotes/john-c-bogle/successful-investing-is-about-owning-businesses-and-reaping-the-huge/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [Without getting into brothels, there are ethical capitalists the problem is that there aren't enough of them. It is not "just a few bad…](https://sms4smile.com/quotes/john-c-bogle/without-getting-into-brothels-there-are-ethical-capitalists-the/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) > [The average hedge fund manager is going to earn zero per cent in extra return.](https://sms4smile.com/quotes/john-c-bogle/the-average-hedge-fund-manager-is-going-to-earn-zero-per-cent-in/) [John C. Bogle](https://sms4smile.com/quotes/author/john-c-bogle/) [Explore all 179 John C. Bogle quotes ](https://sms4smile.com/quotes/author/john-c-bogle/) ## More Best quotes > [Failures happen. You can't cry over them. You just take it in your stride because you know that you have done your best... 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A guy who loved challenges.](https://sms4smile.com/quotes/michael-jordan/i-want-to-be-perceived-as-a-guy-who-played-his-best-in-all-facets-not/) [Michael Jordan](https://sms4smile.com/quotes/author/michael-jordan/) > [I feel like I'm the best, but you're not going to get me to say that.](https://sms4smile.com/quotes/jerry-rice/i-feel-like-i-m-the-best-but-you-re-not-going-to-get-me-to-say-that/) [Jerry Rice](https://sms4smile.com/quotes/author/jerry-rice/) > [Life is where you love people and use things not use people and love things.](https://sms4smile.com/quotes/babloo/life-is-where-you-love-people-and-use-things-not-use-people-and-love/) [Babloo](https://sms4smile.com/quotes/author/babloo/) > [With every product, the delta between the brand and the reality determines its power over the minds of consumers, and with Trump, that delta…](https://sms4smile.com/quotes/rick-wilson/with-every-product-the-delta-between-the-brand-and-the-reality/) [Rick Wilson](https://sms4smile.com/quotes/author/rick-wilson/) > [The human element should be the two players on the court, not the officials. 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