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Bogleheads.org – Investing advice inspired by John Bogle

Bogleheads® is the title adopted by many of the investing enthusiasts who participate in this site. The term is intended to honor Vanguard founder and investor advocate John Bogle.

The Bogleheads® emphasize starting early, living below one's means, regular saving, broad diversification, simplicity, and sticking to one's investment plan regardless of market conditions.

This site is composed of two primary resources: our Wiki and our Forum.

The Wiki is a comprehensive investing and personal finance reference that was built and is maintained by members of the Bogleheads® community. Many newcomers find that a good way to begin is by reading these Wiki articles: Getting Started and the Bogleheads' investment philosophy.

On the Forum, members discuss financial news and theory. The members also welcome less experienced investors who have questions about investing or who need help to develop their portfolios. The most recent Forum posts are summarized below.


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1612 new posts and replies over 224 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
68hLooking for EUR holy grail bond strategy06/04 toine04:51 Valuethinker
18hLife Strategy Growth Fund, Target Fund, or Total Stock Market11:08 jonbkray04:40 TwstdSista
12pAdvice on job change consideration06/19 gazelle199104:20 gazelle1991
31tI-bonds look pretty bad right now06/17 danielc04:11 Angst
155tWhy are expected returns so much lower than historical returns?04/11 yeahman03:57 ignition
69hRetire at 50: Should I?06/18 EricJ03:42 IlliniDave
6pIRS: Great customer service?21:20 folkher003:31 HIinvestor
12t"Find out if your fund is declaring a dividend this month"06/06 oldzey03:28 fujiters
10cSenior discounts to look out for14:01 Earl Lemongrab03:24 HIinvestor
0tWhat is/ was your career and would you recommend it now?03:15 alex123711 
37tIs technology the reason for low inflation?09:08 mptfan03:07 Valuethinker
4hBar Mitzvah Money Investing Ideas23:46 sruliz03:05 mlebuf
41pWill or Trust?06/18 Artful Dodger03:01 denovo
0tAnyone track the ratio of two funds to get a more favorable exchange?02:49 JustinR 
5tSmall-cap exposure in VBR, ie CRSP small-cap value index fund15:33 jalbert02:24 vineviz
17hSelling Amazon?15:22 CnC02:15 Starchild
6tEffect of Index funds on Market Efficiency19:04 finance_learner01:49 dumbmoney
2hCD advice23:55 Need_help_pleas01:42 sport
26cStoring Sustenance for Disasters12:01 Cruise01:29 BusterMcTaco
6638tU.S. stocks in freefall2011 Lbill01:05 SimplicityNow
9hhelp, inheritance of $3.5M, read & read BogleH, & still in the dark21:14 Tryn2C01:01 Sandi_k
5hContinue 529 contributions or pay off rental RE?18:24 smginc00:51 smginc
2691pWhat's Your Credit Card Rewards Strategy?2016 guitarguy00:38 Loon11
17cNeed new Cable Modem + Router - Please recommend12:55 dundee00:36 VaR
22hInvestment Help Retirement implications06/18 mdshumaker00:29 Loon11
5hBehind the 8-Ball at 3620:44 JTColton00:29 White Coat Inve
12tAre the Fed and Treasury distorting the MBS market?06/17 jalbert00:23 jalbert
8hHelping mom with inheritance. Help!19:08 ElmoHongZito00:22 celia
7tAlpha Architect: Sustainable Active Investing Framework Simple But Not Easy16:44 Random Walker00:21 hilink73
71cRoad trip Pennsylvania,Maryland,and DC06/18 hoops77700:14 hoops777
10hHow much of your taxable holdings is unrealized capital gains?20:50 Luckywon00:12 ProfLA
165pGEICO auto rates vs. USAA: too good to be true?2017 msa600:08 rgs92
27cMarriott hotels using Alexa/Echo in guest rooms?06/19 ResearchMed00:06 celia
27tIs individual Bonds better than Bond Fund?06/18 kotsp00:02 HenrySouthernCa
5hWhat should be my stock/bond allocation?13:24 DixieLynn23:57 delamer
9hConsidering adding VWALX; pros-cons06/19 underwood23:57 underwood
5pVanguard posts wrong amount purchased20:10 ratdaydays23:54 BL
3cBest time to travel to Iceland?18:15 sunshine1823:50 Bfwolf
24tWhy is Mr. Bogle so against investing internationally?14:44 vu823:47 stemikger
51hMerrill Edge best choice for higher net worth accounts?01/13 Captain kangaro23:42 triceratop
4tTo bond barbell or not to barbell, that is the question06/19 BFRAME23:31 stlutz
0hHow do you decide when to break a CD?23:28 Messy_Orchid_51 
14hTreasury Direct Question06/19 spdoublebass23:26 spdoublebass
26cWhat will (or would) you tip when wages go up?15:11 dm20023:25 JoinToday
113cgray hair06/19 atlanta_dad23:24 Sandtrap
6h529 plan - did I do something bad?08:53 trizzle23:22 Spirit Rider
30hHelp - investor starting later in life06/01 z00b23:10 z00b
244pWhy pay cash for a car?11/12 RDHlooking4FIRE23:07 Socrates28
12tVanguard Prime Fund Yield reached 1.99% today06/19 Paul Romano23:04 BL
10hHedging RSU's16:42 Chan_va22:55 madbrain
43hAdvice on using a wealth manager or financial advisor?04/27 schrute22:46 schrute
57hWhere to invest $50K+ down payment money for five years?06/10 Jesteroftheswam22:39 grabiner
12cGifting trip for inlaws14:44 boglemania22:38 researcher
23cBest Father's Day Gift You Ever Received (or wish you'd received)06/12 jkushne122:34 Stinky
6hCalculating After Tax yield on CD06/18 Expro22:31 Expro
7hStock Investments questions and advice?06/20 Novous22:31 alex_686
153cWhich Supermarket are you?06/17 Luis94r22:27 teen persuasion
100pHow much (green) cash at home for emergency ?06/17 burt22:21 FIREchief
34cHow do you read books?06/16 ying_yang22:20 S&L1940
116pIs the first 100k really the hardest?2015 r00ster22:09 conlaw1234
188tVanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)2017 *3!4!/5!22:08 learninginvesto
47h47 and clueless - direction needed06/13 chattyanne22:01 dratkinson
5pIllinois Land Trust. DIY Options and Attorney Representation06/19 Tico_7521:59 Tico_75
11hTarget Date Fund in Taxable / Large Unrealized Gain Question11:58 FootballFan554821:56 venkman
82cHow much car to buy reasonably?06/18 Hawaiishrimp21:49 peterinjapan
1pBest books for teens about money/debt/credit cards/power of compounding interest, etc.?21:32 GR8FUL-D21:39 GoldStar
94hEvaluate my finances. Young guy.2014 techcrium21:37 frugalmama
5h401k Roll Over Into TIRA or ROTH IRA?17:25 RichN21:36 RichN
11p$1M Term Life Insurance06/19 schrute21:35 Tico_75
6hLeft Betterment, Need help simplifying portfolio in Vanguard06/04 kuro21:34 kuro
11pHSA Contributions - Clarifying Questions14:16 Clarice21:34 Spirit Rider
11pEmployer creating new role for my promotion, need help06/18 gsh257121:32 FIREchief
26hShort-term Treasury ETF vs just buying Treasuries13:43 danielc21:32 danielc
60chow to make friends in new location?06/17 jayk23821:26 GoldStar
6pMedicaid Compliant 5 Year SPIA10:06 HANK196421:02 adamthesmythe
2hGoing unemployed but has a TRS- Teacher retirement system of Texas17:35 Hishamhamdan21:00 texasdiver
13ciPad/iOS - feature or bug?10:07 jebmke20:58 furwut
10p529 Withdrawal TIming11/16 Leesbro6320:58 GoldStar
337lMaster Thread for Metro Boston's Chapter2014 siamond20:52 siamond
8hWhat happens to shares in a merger?09:46 Medea20:48 Medea
7pARM options, thought process06/19 Johio20:47 DVMResident
28cAir conditioner compressor replacement cost06/18 hmw20:41 hmw
46tGeneral Electric booted from Dow Jones Industrial Average06/19 Paul Romano20:40 wrongfunds
10tRetirement spending/ HCOL areas?06/17 PoultryMan20:39 The Wizard
28pI don't trust my own estimate of expenses06/19 McDougal20:35 Sasquatch
1115cBest watch for around $5,000?2008 Petrocelli20:26 ssquared87
3hCalifornia Teacher 457 options16:18 huntred120:22 huntred1
39c"distilled" water for wife's CPAP machine06/18 dm20020:19 UpperNwGuy
2h529 Contribution Question19:39 StubbornAndFear20:18 amitb00
25c1st Car Mechanic service experience14:00 ETadvisor20:16 ssquared87
16hTaxable Investment Help06/18 dustydinkleman20:15 dustydinkleman
63pBoring Job06/12 JF214120:07 GoldStar
15pMIL passed- question about her Social Security06/19 meens88820:03 Jablean
45hWashington GET 529 Reopened: Good deal?10/06 finance_learner19:42 limeyx
40tAre Bogleheads smarter than the bond market?06/15 tc10119:38 patrick013
1t"It Ain't What You Don't Know That Gets You Into Trouble"19:30 Taylor Larimore19:35 Sandtrap
3hWife's 403b provider switching - higher fees - how often can you rollover?18:55 1CEBITN19:33 ExitStageLeft
19tAdvice on Roth conversions06/19 edgeagg19:29 #Cruncher
17pPlanning for long-term care of a brother with Autism? (Financial aspect)09:03 paramedic19:14 2015
104tUS T bills - first time user05/22 duricka19:05 MnD
194cLife in retirement - what did you do today?06/10 FireHorse18:59 VictoriaF
2pTax refund question and awful tax preparer17:04 nyc88818:57 Gill
2hRetirement and future planning13:29 jeanpierremelvi18:57 jeanpierremelvi
5hPortfolio Review06:58 ShowMeTheER18:54 ShowMeTheER
6cAmazon Fire TV Cube14:31 Alexa918:51 Alexa9
325lPost your Financial Milestone Announcements Here01/09 Alex Frakt18:47 LadyGeek
66pI did it and feel great about it (paid off mortgage)08/22 Steven in NC18:45 LadyGeek
23h9 Mutual Funds Asset Allocation Help06/05 kmwilson34318:44 kmwilson343
18pPaper tax return filed at deadline - still no refund 7 weeks later06/07 jacoavlu18:41 Austintatious
23hCan I break the tape in 5 years?????06/19 turkman18:33 turkman
3pTaxes for buy fund from selling other funds?14:51 lupin18:29 MotoTrojan
97cHelp Buying Mens Shoes for Work and Dating05/26 Gardener18:23 golfCaddy
14hMoving taxable investments...tax-free?05/18 LinusP18:15 libralibra
47tNew Capital One 360 ACH limits06/14 Turbo2918:10 serbeer
16cSacramento Home Owners - House Areas/Questions06/06 HardHitter18:09 ADower
33cArticle on hotel booking sites - no bargains06/18 Looking4Answers18:03 Jags4186
22tThe Current Market10:11 ImaDeval17:55 Blueskies123
19tNew Fiduciary Rule seems to be a big disappointment10/08 pkcrafter17:49 PaulR888
9pSEP v SIMPLE - Higher Employee Cost but Offset by Tax Savings?06/14 Clarice17:44 Clarice
9hShort term goals - 2 years- should i invest 80/20 bonds weighted or in savings?06/19 jayk23817:37 Sandtrap
19hFinancial Literacy...06/18 sunshine1817:35 sunshine18
47tVanguard Surveys04/22 fortyofforty17:32 fortyofforty
8hnew investor at 5706/19 hanksdad17:28 FiveK
1tLarry Swedroe: True Alpha A Rare Thing10:05 Random Walker17:20 pkcrafter
1ppro-rata rule in Backdoor Roth Conversion17:09 phrelo17:16 ivk5
5hNew Investor Advice08:00 gatorinvestor17:10 ruralavalon
12pUniversal life insurance within ones Asset Allocation Model06/14 jazzbeat10117:06 Steelersfan
151tWhich boglehead rule do you break--and are ok with06/15 jmk17:05 stemikger
2p60 day rollover after workplace distribution15:01 yougotitdude17:04 jebmke
449pAnyone regret paying off mortgage early?2012 acegolfer16:56 slalom
4hCharitable Remainder Trust and Rentals06/19 bighatnohorse16:54 bsteiner
224t2-year CDs at Vanguard and Fidelity Today04/05 Kevin M16:46 MikeMak27
16tEffective Number of Bets, or how many funds is enough?06/19 vineviz16:36 vineviz
28cHow to evaluate charities to donate to?09:38 blueman45716:24 dm200
7tFactor tilts -- only for small caps?06:20 Snowjob16:18 Snowjob
11tExpanded commission-free ETFs at Etrade06/19 Earl Lemongrab16:15 LadyGeek
15pPartial Owner of Inherited Family Farm/Land06/17 Taz16:14 Taz
4cMedicare Plan F - HD question14:33 kd200815:58 3feetpete
72pTracking spending before retirement useful for estimating retirement expenses?06/16 marcopolo15:58 TheTimeLord
20cCar purchase. Need to consider seat height.2013 Mudpuppy15:56 LadyGeek
8hHow to shelter 500k13:48 Always passive15:54 Always passive
7hshould my parents start a roth ira when 60 years old?14:02 canonayu15:54 FiveK
4pHow are LTCG taxed on Form 1040?11:50 ThankYouJack15:50 FiveK
9pCan other people contribute to my donor advised fund?11:02 TheTimeLord15:49 TheTimeLord
2hSeeking Advice For Portfolio Construction10:01 JFDAKAN15:48 delamer
104tOh my! Cardone says we need $10m net worth06/15 Serie192615:47 LadyGeek
31cCataract surgery - one or two?10:26 dm20015:43 LadyGeek
4hRetirement Fund Help with TIAA-CREF11:23 rhatfiel15:41 radiowave
1107cTo take or not to take delivery of Tesla 309/06 wrongfunds15:28 Leif
66tWhat does it mean: Rule No. 1: Never lose money06/18 Portfolio715:27 getthatmarshmal
19tEx-dividend days: Is there typically anything out of the ordinary?06/18 JustinR15:16 triceratop
185cTop Shelf Liquor Overrated?05/31 Alexa915:12 NOLA
2fServer Maintenance - June 21, 2018 at 15:45 EDT06/13 mingstar15:11 LadyGeek
0tAlpha Architect: The Future For Factor Investing May Be Different From It’s Backtested Past15:08 Random Walker 
4pNoncovered shares, switch cost basis to specific id12:53 conundrum15:07 FactualFran
22fIs there a way to block someone?06/19 JustinR15:04 LadyGeek
155hVanguard Municipal Money Market VMSXX 1.39%04/05 Bimmer15:03 Kevin M
3hDollar cost averaging small cap value in taxable14:37 Deighve14:57 triceratop
23lAmazon Smile: John C Bogle Center2017 Pete1214:56 Pete12
10pStudent Loan Help10:40 YoungSkywalker14:52 smitcat
32hStruggling - Seeking Advice to Get On Track06/19 investjack01914:41 mhadden1
0pBelgium Wealth tax14:40 riskless 
25cHome Sellers - do you read Buyer inspection reports?06/14 snackdog14:33 criticalmass
12pMissed RMD - IRS penalty waiver process?06/20 CardinalRule14:18 bsteiner
44hShorting Amazon06/18 RandomFly14:14 Alexa9
11hSafe Growth Strategy06/19 yeesh14:12 steve roy
22cCarpet Installers- Tipping?06/19 Kywildcat14:09 mrsbetsy
17cthermostat a/c setting11:38 atlanta_dad14:00 VaR
44cdryer vent cleaning--your thoughts?2012 seashell13:56 michaeljc70
57hI feel like selling my 3 fund06/16 leo2813:50 delamer
31pWould you pay off mortgage in my situation?06/18 frugaltigris13:48 MP173
5cNew Ponzi scheme fiy06/19 CedarWaxWing13:40 Tamalak
11cSleepScore App06/15 Leesbro6313:38 pondering
5cRebooking a ihg nite that was already booked beyond expiration date06/19 BashDash13:35 thangngo
49c[Update] Grand Canyon or other Nat'l Park in October?05/14 TSR13:29 heyyou
25cSurprise - Costco sells - but does not install vehicle batteries10:41 dm20013:19 criticalmass
51tLarry Swedroe: The Battle Of Passive Strategies06/18 Random Walker13:06 indexonlyplease
40ciPad Pro 12.9": Replacement for Laptop?06/16 RooseveltG13:03 2015
6hHSA Monthly Investment Fee??2015 fcox8512:56 deltaneutral83
6hMutual Fund Dividends06/18 ImaDeval12:49 not4me
25hAmerican Funds 401k Advise02/15 Kickstart12:44 Kickstart
53hFor Those Who Purchased Ally No Penalty CD's in Dec/Jan05/01 MikeG6212:42 MikeG62
28hValue of a Military Retirement06/19 KYDoc12:40 togb
261pNew HSA provider Lively offers investments for $30/yr fee09/26 indexfundfan12:32 Muse94552
14h26yrs old and need startup advice06/19 Playup10112:29 AlphaPilot
8hHow far can I go to ask Morgan Stanley to fix their mistake?11:31 mrx12:29 simas
3pLong term care insurance06/19 abhan6712:25 jimishooch
42cDrive from Phoenix to San Diego06/14 forks12:16 Carefreeap
4hChanging from Average Cost basis to Spec ID08:51 jj12:00 BolderBoy
1hCal residents can't buy CD from Cal bank ?11:12 swimfin11:57 sport
75p"Open Social Security" calculator: feature requests, bug reports, etc06/06 ObliviousInvest11:45 ObliviousInvest
8pHow to Amend a 2016 tax return?06/19 ThankYouJack11:43 ThankYouJack
2hNEW Here! 401K/IRA - AA Assistance07:00 BogledMind11:25 dratkinson
0hMy portfolio, investing from Germany11:14 rustle 
12tInternational Market Volatility? (Foreign stocks in freefall?)06/19 rgs9211:06 VAslim16
4pConsolidated List of Income Limits and Phaseouts for Federal Income Tax06/19 ausmatt10:59 Boglegrappler
8cUsing deceased mother’s jewelry to create new wedding ring06/17 aprilcpa10:57 fcox85
14hInvestment Help06/18 mckeypants10:49 mckeypants
90hCreative Planning vs Vanguard PAS05/28 flroots10:47 flroots
25tIs the Dow Jones Industrial Average a useful metric?06/14 bert0910:47 rgs92
0pUS citizen living in the US -- remote work for German company. Taxes? Currency? Invoicing? Benefits?10:42 understandingJH 
58cI need a classic men's black dress belt2015 Triple digit go10:28 Capsu78
213tWhat's your U.S. : International ratio?2007 kpanghmc10:24 Hukedonfonix4me
10tRevisiting Risk and Reward06/18 siamond10:10 siamond
25hVanguard or Charles Schwab account06/14 sturaga8610:04 Sandtrap
16cPriceline hotels?05/18 TresBelle6509:51 surveyor
1hBook recommendations for UK investor06/19 purrretrog09:46 TedSwippet
4hHelp with portfolio and maximizing contributions06/19 worthit09:39 worthit
5tDebt Song Not a Pretty Tune06/18 garlandwhizzer09:33 Sandtrap
35pHow to calculate "fun money" per year?06/17 doss09:30 JGoneRiding
79cAnyone with a paid off house drop homeowners insurance06/12 skp09:23 Theoretical
52cSherwin Williams paint05/31 atlanta_dad09:21 UALflyer
36tYou Can Market Time At Valuation Extremes06/12 Park08:56 Random Walker
29hWhen is the June ex-dividend date for VTSAX06/16 chabil08:49 Artsdoctor
8hAdvice - Parking cash before it gets paid in taxes06/18 sylvial08:46 welderwannabe
5pTemporary Residency Tax Deduction for Surgical Fellowship06/19 MedicalDoc4208:27 HueyLD
12hHow do folks pull retirement income out of Wellesley?06/18 JerryinPA08:12 dbr
12h5 yr cd at 3%06/19 retiredbuthappy07:56 stan1
4hInvesting HSA and Backdoor Roth IRA06/19 beabea07:45 niceguy7376
6tMcKinsey: Rising corporate debt: Peril or promise?06/19 GAAP07:06 carguyny
8hCalculating safe withdrawal rate (dialing it back)06/19 mass_biker07:02 mass_biker
26pCareer advice (take the promotion or not)06/14 28fe606:48 Tamarind
7hFinancial Engines Financial Advisor Question06/19 rhatfiel06:23 JoeRetire
9hFirst timer looking for help [Estonia]06/14 BatChainPuller05:06 BatChainPuller

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t = Investing - Theory, News & General
p = Personal Finance
c = Personal Consumer Issues
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