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News and blogs contains the RSS feeds for news sites and site participant's blogs. (Podcasts can be found here.)

News

Vanguard News

October 20 through 25 is National Retirement Savings Week. This is a great time to think about your post-work life, create a plan to get you there, put that plan into practice, and celebrate your future. We can help.
Choosing investments that align with your risk tolerance, time horizon, and financial goals is likely one of the most critical decisions you'll make as an investor. In this webcast that aired September 23, 2014, Vanguard investment and advice experts Fran Kinniry and Mary Ryan discussed how you can build a diversified portfolio to help you achieve your financial goals.
Take the mystery out of saving for retirement with these five simple rules for investing in an IRA.
Although the U.S. economy continued to expand, fears of a slowdown in global growth rattled stock markets this week. Economic reports pointed to sustained improvements in the U.S. labor market and a strong rebound in industrial production and new-residential construction.
Understanding the global economy helps put market movements into context. Here researchers from Vanguard Investment Strategy Group examine the economic trends that impact the investing environment.

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Bogleheads® author blogs

Jim Dahle (a.k.a. EmergDoc, for medical professionals)

The White Coat Investor - Helping those who wear the white coat get a "fair shake"

Volatility, particularly on the downside, is not an investor’s friend. Most of us don’t do “the investing thing” to get a rush. This is serious business for us. I also am not planning on leaving gobs of money behind to my children or to charity. My children, like me, will much prefer getting money in their 20s, when they really need it, compared to later in life. I also try to do my charitable giving … Continue reading
Leverage. It’s a wonderful thing. Real estate investors and homeowners use it all the time to magnify their returns. However, leverage works both ways. It increases returns by increasing risk. What is the risk? The risk that you cannot service the debt. Regular readers know I’m not a huge fan of debt. I’m not quite as rabid as the Dave Ramsey types (although even he makes an allowance for 15% of income toward retirement and … Continue reading
[Editor's Note: This is a guest post from Mark A. Mascia, President and CEO of Mascia Development. It's not particularly physician-specific, and I came very close to rejecting it outright for that reason. However, I thought the ideas it explored were very interesting and worthy of publication. In this post Mr. Mascia tries to determine which real estate markets nationally are undervalued or overvalued, and how rising interest rates might affect that. This has important … Continue reading
A frequent technique used by life insurance salesmen to sell you permanent life insurance you probably don’t need, is to invoke what is often called “the retirement tax trap.” I see these in books, in comments left by insurance agents on this blog, and in videos on the internet like this one. Let me summarize this video and show you how this schpiel generally goes. If you want to test your “insurance agent defenses”, watch … Continue reading
Q. What do you think about using a 529 account for retirement savings? A. I occasionally hear this suggestion, mostly from super-savers who have already maxed out their retirement accounts and need and want to save more for their retirement. Occasionally I get some version of it from those who have saved a great deal in 529s and wonder if perhaps they have oversaved for college and can just use the leftovers for retirement. The … Continue reading

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Laura Dogu

Laura Dogu is a contributor to The Bogleheads® View blog on Forbes.com.

Laura Dogu, Mel Lindauer: The Bogleheads - Advice Inspired by Jack Bogle

Because I was one of the most vocal supporters of I when they were first introduced, I’m often asked for my thoughts on today’s I Bond offerings. The most common question I get is “Are today’s I a good investment?” While we can reminisce about the “good old days” when  one could purchase up to [...]
On February 19th, the Bogleheads.org forum will celebrate its seventh birthday. What an amazing trip it’s been! BACKGROUND The website was originally set up and funded by two long-time Bogleheads, Alex Frakt and Larry Auton. For several years, the site served as a front-end index for the old Vanguard Diehards forum at .com. Bogleheads.org was [...]
On January 25th, Taylor Larimore, who Jack Bogle dubbed “The King of the Bogleheads” turned 90. Taylor, a decorated World War II paratrooper, was in the Battle of the Bulge and is a member of “The Greatest Generation.” In 1998, Taylor was one of the founders of the Bogleheads community at the Vanguard Diehards forum [...]
For investors who prefer paper I Bonds to the electronic I Bonds issued via TreasuryDirect, there’s still a back-door option that allows you to purchase an additional $5,000 in paper I Bonds per tax return per year.
Two steps forward and one step back.  That’s the stock market for you.  It’s a dance all new investors need to learn because it affects the portion of your portfolio that you have allocated to common stocks. Two steps forward and one step back.  The stock market has been dancing to that tune ever since [...]

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Rick Ferri

Rick Ferri Blog

Volatility. Investors hate it. Any downturn in stocks creates fear for even the most experienced investor. We can’t get around it. The feeling is natural. When something is cutting away at our net worth, we want to stop it. “It would be nice to have my money in cash right now,” our minds tell us, even though we know that’s not in our best long-term interest.
There are two categories of investors in this world: performance takers and performance seekers. A performance taker is satisfied with earning a fair share of the market’s return and weathering the risk that comes with it. A performance seeker wants more return and less risk, and pays for it in more than one way.
Beating the market using mutual funds isn’t easy. The hope of finding fund managers who steadily beat their benchmarks may seem like a worthwhile venture, but the only people who seem to earn steady profits from active mutual fund strategies are companies selling products. A persistent “performance gap” exists between investor returns and the returns of the funds they invest in.
I love you man, but you’re wrong! Legionary Fidelity Magellan fund manager Peter Lynch wrote "buy what you know" in his classic book, One Up on Wall Street: How to use what you already know to make money in the market. The basic principle is simple: you're more likely to be successful in the market if you buy what you're familiar with. Peter Lynch was wrong; or at least he wasn’t quite right.
I’m an index fund investor, but I don’t invest in S&P 500 index funds. It’s not the type of index I want in my portfolio, unless I’m in a pinch. Here’s why. The S&P 500 is arguably the most important stock market index on the planet. It represents the free-float value of 500 major corporations [...]

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Mel Lindauer

Mel Lindauer is a contributor to The Bogleheads® View blog on Forbes.com. The Bogleheads® View RSS feed is listed above.

Mike Piper

Mike Piper - Oblivious Investor

A reader writes in, asking: “I currently use three Schwab ETFs for my portfolio: Schwab U.S. Broad Market, Schwab International Equity, and Schwab Short-Term U.S. Treasury. But I’ve been reading about their Fundamental Index Funds and ETFs as well. The idea of allocating to companies according to sales and cash flow makes a lot of sense to […]
This week, I enjoyed three articles about buying insurance. Karen Haywood Queen shares a strategy for saving money on life insurance. Jim Dahle warns against a common (but poorly-reasoned) sales pitch for life insurance. And Michael Kitces offers a guiding overall philosophy on when and when not to buy insurance. Saving with a Life Insurance Ladder from Karen […]
Last week’s article about tax-gain harvesting with bonds drew quite a bit of correspondence from readers. (To recap, the general idea is to sell a bond that has increased in value since you bought it — and which you have held for more than one year – and reinvest the proceeds in a similar, newly-issued bond with a […]
The retirement planning concept of “safe withdrawal rates” (and the accompanying “4% rule” concept) can be traced back to an article by financial planner Bill Bengen — an article that was published 20 years ago this month (October, 1994). This week, the Journal of Financial Planning published a piece by financial planner Jonathan Guyton (with additional perspectives […]
Tax-loss harvesting is a very common tax strategy in which you sell a holding when its value is less than the amount you paid for it, then reinvest the proceeds from the sale in a similar (though not “substantially identical”) investment. The idea is that you then get to use the capital loss (up to $3,000 per year) […]

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Allan Roth

Bill Schultheis

Bill Schultheis - The Coffeehouse Investor

We are headed back to the basics and where much of this story started with Bill writing a financial column for Seattle’s King County Journal. Our fearless leader will be featured monthly in the new 425 Business magazine. His financial column will focus on all aspects of the Coffeehouse Investor and provide readers with insight on how to ignore Wall Street and get on with their lives.
We came across an enlightening but very basic investing piece of advice from Vanguard that aligned with what we often say in webinars and print – the amount you save today will have a direct correlation on your financial future.

The best baseball players make an error every once in a while. Oscar-winning actors sometimes need a few takes to get their lines right. And even savvy investors are prone to making investment mistakes with the best of them.

John Woerth, head of public relations at The Vanguard Group, detailed a few of his mistakes in an interesting post a few weeks ago on the company blog.
The California Public Employees’ Retirement System (CalPERS) must have just finished reading page 98 of The Coffeehouse Investor and decided it was time to clean house. Bill says it best in the book on page 98, “The less you pay in expenses and taxes, the better off you are.”
Money is one of those issues that can cause stress in a relationship, regardless of your income level. But a Money magazine survey of married couples earlier this year showed just how widespread that stress may be — 70% of respondents said they argued about money more than any other topic.

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Larry Swedroe

The Finance Buff

TFB - The Finance Buff

Vanguard, Fidelity, and Schwab default cost basis tracking method to average cost for mutual funds. Here's how you can change it to specific identification to minimize taxes.
Rebalancing between stocks and fixed income isn't buy low sell high. Most likely you will sell high buy higher.
The official announcement for 2015 Social Security COLA will come in October. With two out of three Consumer Price Index monthly numbers required for the calculation, I can estimate what it will come out to be. Inflation was still low so far this year, but it was higher than the previous year. According to the […]
Retiring early means lower average earnings for calculating Social Security benefits. However, once you reach the second bend point, you aren't losing much. I provide a spreadsheet to help you calculate when you will reach the second bend point.
A generous new account bonus and free trades make Merrill Edge a great discount broker for holding ETFs. Package deal with Bank of America gives you free checking with no ATM fee.

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Academic blogs

Wade Pfau

Retirement Researcher Blog by Wade Pfau

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See also