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Why Strength Training Alone Isn’t Enough – The 3-Part Formula for Ageing Well

Trainer Ben Alldis explains why combining strength, cardio and mobility work is essential for retirees who want to stay strong, fit and independent

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because retirement doesn’t come with a manual

Markets paused after the Federal Reserve cut optimism met with caution.

The quick scan: U.S. stocks closed mixed on Wednesday, with tech strength lifting the Nasdaq even as the Dow lagged slightly and the S&P 500 held near flat.

S&P 500: -0.00% to 6,890.59 – stalled near highs as traders weighed “what comes next”
Dow Jones: -0.16% to 47,632.00 – under-performance despite broad risk-on mood
NASDAQ: +0.55% to ~23,958.47 – buoyed by tech wins (notably NVDA hitting new highs) and AI-buzz

What’s driving it: The Fed’s quarter-point rate cut boosted sentiment but was paired with a clear warning: a December cut is “far from” certain. That tempered enthusiasm. Meanwhile, AI-led tech names surged, with Nvidia leading the headlines as it approached a $5 trillion valuation. Investors found themselves in a tug-of-war: growth and tech were firing, but policy uncertainty and late-cycle questions kept the pace measured.

Bottom line: For L-Plate Retirees this means: the market’s favouring risk again – but the underlying caution remains. Keep your core holdings diversified, don’t assume the momentum will carry unchecked, and consider holding or building dry powder – so when the market next gives you a clear signal, you’re ready.

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Why Lifting Isn’t the Only Key to Aging Well

flexibility – the often forgotten pillar

The scoop: If you’ve been told that it’s all about lifting weights to age well, here’s a refresh. According to strength-training expert Ben Alldis, while muscle build-up is vital, the secret to ageing happily doesn’t stop there. His point: integrating strength training plus cardio and stretching delivers the real magic.

Alldis explains that strength training remains a foundation – muscle mass helps maintain mobility, balance and metabolic resilience into later years. Research supports this: older adults with greater muscle mass have a lower risk of dying from major causes.

However, just lifting weights isn’t sufficient. Cardiorespiratory fitness – via brisk walking, jogging, cycling or swimming – also matters deeply for longevity and heart-lung health. Add to that the flexibility and joint health delivered by stretching or mobility work. This “three-pillar” approach ensures you’re not just stronger, but also fitter and more agile.

Alldis outlines a practical weekly framework for anyone getting started: aim first for three workout days a week, focusing either on cardio or strength initially. Once you’re consistent, add 15-20 minutes of stretching or mobility work at the end of each session. Over time work toward guideline levels: 150 minutes of moderate aerobic activity or 75 minutes vigorous, plus two strength sessions.

For retirees and pre-retirees in the L-Plate Retiree community, this is especially relevant. Muscle loss and joint stiffness don’t happen overnight – they are gradual, cumulative and often silent. A well-rounded routine that balances strength, cardio and mobility gives you better odds of staying active, independent and vibrant for longer.

Actionable Takeaways for L-Plate Retirees

  • Strength + cardio + stretch = the power trio: Make sure your weekly plan includes all three elements – not just weights.

  • Start consistent, not intense: If you’re returning to fitness after years away, begin with three days/week and build from there.

  • Add mobility to your cooldown: After every session, spend 15 minutes stretching hips, shoulders and back to preserve range of motion.

  • Measure by ability, not just numbers: Can you climb stairs without breathlessness? Carry groceries with ease? That counts as progress.

  • Adapt for longevity, not just performance: The goal isn’t to lift heavy for show – it’s to lift smart for life.

Your turn: 
When was your last full-body workout that included strength, cardio and stretching?
What one change will you make this week so your next session hits all three?

👉 Hit reply and share your story your insights could inspire fellow readers in future issues.

☕ If today’s piece reminded you that ageing well takes more than muscle, you can shout me a coffee on Ko-fi.

Wall Street Isn’t Warning You, But This Chart Might

Vanguard just projected public markets may return only 5% annually over the next decade. In a 2024 report, Goldman Sachs forecasted the S&P 500 may return just 3% annually for the same time frame—stats that put current valuations in the 7th percentile of history.

Translation? The gains we’ve seen over the past few years might not continue for quite a while.

Meanwhile, another asset class—almost entirely uncorrelated to the S&P 500 historically—has overall outpaced it for decades (1995-2024), according to Masterworks data.

Masterworks lets everyday investors invest in shares of multimillion-dollar artworks by legends like Banksy, Basquiat, and Picasso.

And they’re not just buying. They’re exiting—with net annualized returns like 17.6%, 17.8%, and 21.5% among their 23 sales.*

Wall Street won’t talk about this. But the wealthy already are. Shares in new offerings can sell quickly but…

*Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd.

If these insights resonate with you, you’re in the right place. The L-Plate Retiree community is just beginning, and we’re figuring this out together – no pretense, no judgment, just honest conversation about navigating this next chapter.

Subscribe now to receive daily insights, practical tips, and the occasional laugh to help you thrive in retirement. We speak human here – no jargon without explanation, no assuming you’ve been investing since kindergarten.

And if today’s investing note hit the spot, you can buy us a coffee on Ko-fi ☕. Consider it your safest trade of the week – low risk, high return (in good vibes).

Because retirement doesn’t come with a manual… but now it does come with this newsletter.

The L-Plate Retiree Team

(Disclaimer: While we love a good laugh, the information in this newsletter is for general informational and entertainment purposes only, and does not constitute financial, health, or any other professional advice. Always consult with a qualified professional before making any decisions about your retirement, finances, or health.)

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