Simple can be harder than complex. You have to get your thinking clean to make it simple Steve Jobs Key Takeaways The overwhelming majority of investors are best served by a simple and boring Boglehead portfolio, consisting of just 1-3 broad-based market index funds A simple and boring portfolio provides a near-guaranteed 10-12% annual return in the long-term, for virtually zero effort Chasing alpha through individual stock picking or excessive diversification increases decision fatigue, raises the risk of errors, and…