You seem pretty informed on this.  I&#x27;m still an investing novice, but hoping you can give some insight here...<p>Does the practice described in this article and what you are discussing ultimately have a negative impact on Joe Investor who is taking the Bogleheads approach and sitting on several index funds, dollar-cost averaging his contributions, and occasionally rebalancing (but ultimately following a &quot;buy and hold&quot; approach)?<p>Could the outcome of this come back to hurt the Joe Investors of the world?