I got my portfolio down to the classic three fund setup with VTI, VXUS, and BND which should be the definition of set it and forget it right, but somehow I'm still checking it multiple times a day and second guessing my allocation percentages like a complete maniac.
I'm currently doing 70/20/10 because that's what the wiki recommends for my age but I keep wondering if I should go 80/15/5 or maybe 60/30/10 instead, I know the differences are marginal over the long term but my brain just won't let it go for some reason, and the worst part is I know better honestly, I've read all the Bogleheads stuff multiple times, I understand that time in the market beats timing the market, I get that consistent contributions matter way more than perfect allocation percentages.
But I still find myself tweaking things and checking performance when I should just be ignoring it completely, does anyone else struggle with this even when you have a solid simple strategy in place, I thought going Boglehead would cure my obsessive checking but apparently I just redirected it into obsessing over allocation percentages instead of individual stock picks which is probably not much better.
Maybe I need to delete all my investing apps and just check once a quarter like a normal person but then how do I make sure my automatic contributions are working properly and my dividends are reinvesting correctly and all that stuff, it feels like a catch 22 honestly.