John Bogle at Bogleheads 11
Welcome to the Bogleheads® wiki, a collaborative enterprise by members of the Bogleheads Community.
The Bogleheads' approach to investing begins with an investor deciding on percentage allocations to various asset classes, such as U.S. stocks, international stocks, U.S. bonds, and cash. The desired allocations are then implemented using low-cost vehicles which are true to the targeted asset classes. Tax costs are carefully considered, influencing decisions as to what investments to place in taxable versus tax-advantaged accounts. Bogleheads emphasize regular saving, broad diversification, and sticking to one's investment plan regardless of market conditions. Information relevant to the group's core beliefs is available in the Bogleheads' investment philosophy.
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What's an investor to do when the stock and bond markets are soaring or slumping? It may make sense to relax, reevaluate, and, maybe, rebalance. Colleen Jaconetti, a manager in Vanguard Investment Strategy Group, provides insight on what action you might want to consider.
As part of our ongoing efforts to reduce the cost of investing, we're eliminating transaction fees on Investor Shares of Vanguard FTSE All-World ex-US Small-Cap Index Fund.
Economic reports out this week, which included mixed messages from the housing market, rising consumer prices, and an uptick in durable goods orders, seemed to take a backseat to news about corporate earnings. Stocks moved higher midweek on strong second-quarter results, especially from the technology sector, only to give back those gains by Friday's close as weaker reports came in.
If you're unsure what will happen to your nest egg when you're no longer here, you'll want to take a closer look at what assets are going to the people and organizations of your choosing. Here are some reasons why designating a beneficiary on your retirement accounts is a good idea.
The vast majority of investors in Vanguard money market funds will not be affected by new rules enacted by the Securities and Exchange Commission. Investors will continue to have access to a stable, high-quality cash management tool.
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Mike Piper - Oblivious Investor
A reader writes in, asking: “I just read your article on capital gains and losses. I understand that up to $3,000 of a net capital loss can be used to offset ordinary income in a year, and the rest is carried over to use in future years, but I am unsure of whether the carryover […]
This week, author/advisor Larry Swedroe provided an excellent answer to a question I see from time to time: Should we fear a stock crash as a result of baby boomers retiring and selling off their shares? Swedroe writes: “We’ll begin by pointing out that only unexpected events have an impact on stock prices. And if anything […]
A reader writes in, asking: “I’m trying to find more info on ACA premium subsidies. Specifically, I want to understand which year’s MAGI [modified adjusted gross income] is used. For example, would a person’s health insurance premiums for 2015 be determined based upon his 2014 MAGI or 2013 MAGI, etc.?” The premium tax credit (i.e., […]
One question readers ask from time to time is how many Vanguard index funds manage to trail their index by an amount less than the fund’s expense ratio. To some extent, the answer is pure randomness. An index fund doesn’t typically hold every security in the index, in exactly the designated proportion, at every moment […]
I’ve been getting a lot of questions about the Treasury Department’s recent release of final regulations that create a new type of annuity in the tax law: “Qualifying Longevity Annuity Contracts” (QLACs). To explain, we first need to back up a step. This isn’t really a new type of annuity. This is simply a new tax treatment […]
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Our Canadian sister site, Financial Webring Forum, has a similar focus, many like-minded members, and may be of interest as well. Be sure to visit their Canadian-focused investing wiki, finiki.