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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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1596 new posts and replies over 206 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
285pAlly Banking 1% extra back up to $1,000 on new money deposited10/15 LSLover16:28 bpg1234
85tSix stocks make up 98% of S&P 500 gains in 201807/10 letsgobobby16:27 willthrill81
4hTraditional IRA Interfering with Backdoor Roth Converstion15:15 Eric in DC16:26 visualguy
2hBest broker for buying US Treasures15:49 Bambuk16:26 mervinj7
28cDentist "Service Fee" for Filing Insurance Claim?18:48 totalnoobie16:25 Nowizard
0tBuy-And-Hold vs Tax Loss Harvesting16:24 BolderBoy 
7hnon-governmental 45709:37 spth16:24 megabad
18hShould I sell or rent out my bay area house?19:52 cyberme16:23 Cycle
3t"Investing versus debt pay-off?"14:10 Taylor Larimore16:22 Random Walker
43hTiming mortgage pay down10/18 AspireToRetire16:22 ResearchMed
9tWhat's Your Fixed Income Strategy?14:27 mmnj16:22 TravelforFun
0cCanada Goose Jacket16:19 Keepcalm 
45cCar Dealer told us car was Certified, but it isnt13:25 Thegame1416:17 ResearchMed
2pIRS - Anyone deal with you owe us more tax letter?16:07 wfrobinette16:16 Boglegrappler
0cFinancing Graduate School w/ Employer's Help?16:16 morsk 
107tTotal Bond Market Fund - interest rates rising!10/19 HomerJ16:15 wfrobinette
121tBarron's Making the Case for Gold09/30 hdas16:14 alfaspider
13tShouldn't Fridays be higher than average due to 401k contributions?15:40 JustinR16:14 dm200
32hFor those who paid off house - how did you do it?10:45 sojirovs16:13 618744
3hportfolio, plan and early retirement10/16 SSM116:11 megabad
3tHedging tomorrow's tax rates15:30 samsdad16:11 ray.james
11hWhat would you do, hoping for final year or work.11:11 4nursebee16:09 Dottie57
47cTesla Model 3 Owners: Your experience so far09/05 InvestoGuy16:09 wrongfunds
43cWhat to do with >$1000 in Amazon credits?10/21 cookymonster16:09 PhilosophyAndre
5hNeed advice on managing my mother's investments18:59 Charlie Foxtrot16:09 Charlie Foxtrot
35p50% of Cancer Patients Burn Through Their Life's Savings in Just 2 Years11:34 billy26916:08 Rupert
5pConfused about compound interest and diminishing returns09:47 abs998616:07 ResearchMed
14c2019 Chrysler Pacifica Hybrid10/21 tampaite16:07 Typ997S
4pBest Large Deposit Banking Sign-up Deals with High Interest Rate10/21 AlphaLess16:07 LadyGeek
38tSet it and forget it10/19 Rick Ferri16:07 gregwils
85cPSA: Don't buy a big house08:47 sunny_socal16:05 Baldrekr
4hGetting rid of legacy annuity?10/20 siamond16:03 siamond
10hHelp with factoring in inflation14:17 AMG7916:01 mindbogle
67p8 reasons why pensions are [good]10/21 calmaniac16:01 LadyGeek
110cQuitting w/o notice18:32 gpburdell15:59 alfaspider
9hFeedback requested on approximating total stock market22:15 olliema15:58 olliema
7hFunding Roth with Money in Taxable Account21:20 Sammita15:58 Sammita
28cDo I need laptop software?17:18 tennisplyr15:55 Austintatious
0hWhat else can I do?15:54 tman9940 
12tCard/Account churning to prevent investment tinkering?10/21 MotoTrojan15:53 Fruition15
1hAdministrator incorrectly followed order, now what?14:56 tenkuky15:53 CalculatedRisk
2hIncur short term losses for more Roth Conversion availability?14:38 enjoyinglife15:52 Peter Foley
26cPlaying with FIRE(Financial Independence) documentary trailer.09/28 lostdog15:52 sschullo
17hAm I doing it right?10/20 tin36915:49 arcticpineapple
145tHelp me understand dividends2016 rbaldini15:47 pkcrafter
231p"Open Social Security" calculator: feature requests, bug reports, etc06/06 ObliviousInvest15:46 TBillT
13h529: Just getting started02:53 WAF2415:44 mervinj7
0hNeed advise with investing plan.15:43 palciparum 
20pFederal taxes in retirement07:25 4nursebee15:40 4nursebee
53cCross-country trip via Amtrak10/17 catdude15:39 blgaarder
61cWhy are Carbon Offset Credits so cheap?10/20 Cycle15:39 LadyGeek
0hDelaware statutory trust15:39 billthecat 
20cWhich HDHP plan is better, Blue Cross or United10:58 alter15:39 Farmboyslim83
474t2-year CDs at Vanguard and Fidelity Today04/05 Kevin M15:36 Happy2BeFree
44tToo Much Apple [AAPL] Stock10/17 Duffydog115:35 Toons
20cPet Insurance company recommendation10/16 Swansea15:34 wfrobinette
216t"Safe" Withdrawal Rate for Early Retirees (or any retiree)10/08 Rowan Oak15:32 sixtyforty
32hAnyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?08/26 mpnret15:31 inbox788
0hElapsed time to redeem iBonds?15:31 james_madison 
24pHouse has major repair issues right after buying... options12:56 cdu715:28 123
9hInvesting a $1.5m windfall [Great Britain]10/20 rivarama15:22 vanrico
4hWhere to roll an old 403b13:18 joetown200115:17 Rupert
37pHealth Care Options for 26 year old10/18 yankeefan406515:16 Artful Dodger
45cLost Power for 24 hours - what food to toss?10/12 ThankYouJack15:13 wfrobinette
249cHigh End Wrist Watches (Gone Crazy)2016 corn1815:13 ionenergy
2hswitch bonds to money mkt?14:41 miket2915:11 Taylor Larimore
4hAlly online: Online Access Temporarily Blocked12:21 MathIsMyWayr15:07 grp2c
14hTransferring $1.2 Mil taxable to Vanguard10/16 PQ12$15:04 blevine
8hShould I TLH/reallocate and take advantage of current market?10/20 SerenityBlue15:00 SerenityBlue
54tDFA small value... acitve management?10/20 privatefarmer14:56 jalbert
30tThoughts on 5 year TIPS bonds?10/19 BlueEars14:48 JackoC
6hUK capital but US resident alien19:09 vanrico14:48 vanrico
118tRich, Broke or Dead: Visualizing probabilities of outcomes in early retirement09/28 EnjoyIt14:42 visualguy
7hNeed brokerage advice, US person living abroad10/16 john7714:32 john77
879c[What TV Show Have You Recently Watched?]2016 dbCooperAir14:23 TwstdSista
650pHow much money do you want to retire?2017 benign_user14:15 visualguy
6pNew business - expenses with zero revenue10/10 oaks14:13 fabdog
15pRoth contribution limits for married filing separately10/21 RustyShacklefor14:11 RustyShacklefor
55cTV recommendation for my father10/11 fsrph14:10 TN_Boy
1hPrivate stock conversion to Roth19:00 Cowbell14:04 mhalley
3tLarry Swedroe: Time Not On Active’s Side08:53 Random Walker14:03 edgeagg
3tUnderstanding Rebalancing, Annual vs on New Cash Inputs20:06 Dink201813:59 ThrustVectoring
7cBuy, Sell, or Hold - Car Dilemma12:09 Fox13:55 thatme
8pNew scam hackers spoofing actual correspondence with your own history22:58 LeeMKE13:55 jalbert
0tWhat is the name for this type of portfolio?13:47 BigEater 
70cGardening 201804/08 Earl Lemongrab13:39 Earl Lemongrab
27pChanging Health Insurance Around Child birth to reduce costs2017 Magikmike13:37 AnsAvi
26t50 Stocks Enough to Diversify Idiosyncratic Risk?10/21 Park13:37 Broken Man 1999
3pShould I own my home through an LLC?12:33 Doug00713:33 unclescrooge
18pAlly 1% bonus and cashing out muni fund10/20 am13:30 MikeG62
2273tThe Three-Fund Portfolio2012 Taylor Larimore13:29 Taylor Larimore
25cSequoia or Land Cruiser08:41 rashad300013:21 WhiteMaxima
0pDisability Benefits Consultants13:11 fiseek77 
22pFinal Decision - Housing10/18 MindTheGAAP12:59 texasdiver
3pMega Backdoor vs Backdoor Roth IRA17:08 pasadena12:59 Earl Lemongrab
10pQuestion about 2018 tax scenario--Roth conversion and capital gain in 201810/21 beautifulsong12:57 beautifulsong
3tIndexed variable annuity question09:15 Kelly12:57 Kelly
60cDIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?09/20 Saving$12:57 BashDash
1hQuestions about managing parent's conservative investments12:24 francine12:53 ExitStageLeft
50hMy Edward Jones IRA is out performing my Vanguard 401K10/20 CashedOut12:42 Taylor Larimore
23p2 rental car reservations?10/21 JeanMich12:40 texasdiver
29pNeed advice will vs trust for my situation07/24 RMD381912:40 nyc212
29cBeer - Strong German Style Lagers10/20 Atilla12:37 rich126
161pWhat I spent in 6 months on medicare07/05 dm20012:34 Nowizard
0pextra monthly cash - taxable or 4.75% building loan?12:32 TarHeel2002 
24pISO taxes and AMT [Incentive Stock Option]09/28 ilala12:27 ilala
22pCan you include this in a will?10/18 PoppyA12:27 nyc212
5hQuestion on reallocating stocks to bonds10/21 Closer232312:26 deikel
2pFlexible spending account for Invisalign08:56 Carson12:15 Carson
3hVanguard's Personal Advisor10:51 NewBog2112:13 jkrm
18cShort trip to Orlando with my parents and children10/20 beserker12:10 28fe6
5pIs there a wills/trust/estate planning forum you'd recommend2015 hickory12:08 nyc212
32hSetting up Backdoor Roth IRA, can't figure out where to stuff IRA08/22 DanEmmy12:04 mhalley
12cSix Pillars of Self-Esteem: Nathaniel Branden10/07 kayanco12:00 kayanco
6cChase Sapphire Reserve -points for family ?10/20 andyandyandy11:53 bob60014
8hAny government guaranteed money market funds available?21:35 Five11:48 Valuethinker
5p1099 for Solo 401k01:02 RamblinDoc11:46 Misenplace
29pRetire now or in the Spring. - changing work conditions17:55 fsrph11:46 GMacD
7cPixel phone: can't make or receive calls but data works08:00 CULater11:39 CULater
1hETF trading above NAV11:37 CarpeDiem2211:38 oldcomputerguy
16hAmerican Century Small Cap ASVIX19:43 edvest11:28 nedsaid
47cCar servicing10/17 jackal11:28 TheOscarGuy
5cToshiba CB2 2015 CB35-C3300 w/ HD screen???20:33 htdrag1111:04 htdrag11
6cAdditional charges for kids in Las Vegas hotels09:30 FB0110:54 dm200
33hFinally ready to start investing in RothIRA (23yrs old)10/16 ynotyese.710:49 ynotyese.7
6hHSA eligibility if two health insurance?08:57 lostlost10:38 lostlost
3cCruise America RV rental experience?10/21 JeanMich10:38 drew1976
28tProtecting large sums of cash.10/20 airahcaz10:37 dm200
39tDebunking Bonds in Taxable10/08 Cartographer10:28 international00
25hFiduciary using funds with a front load?10/18 GutCheck10:14 GutCheck
4pDeferred Compensation Plan01:36 Rick7710:09 QoolQat
48hPortfolio advise (30 something) from NL10/06 Sinsji10:00 international00
11cHow to open a sealed up fireplace?10/21 knightrider09:57 Smoke
14tIs there a case for Active in fixed income?10/21 hdas09:56 jeffyscott
10hOld Newbie Looking For The Same Advice?10/21 mintChocolateCh09:47 Jack FFR1846
78cPersonal Adventure - recommendations10/16 seychellois_lib09:41 WhyNotUs
152pWhere would you go for financial guidance if you win the Megamillions?10/17 CULater09:30 10.06am
47cLufthansa Premium Economy2017 frugalecon09:22 WhyNotUs
0tExclusions from my Fidelity reimbursement guarantee09:08 tadamsmar 
90pWhen to stop putting money into an older vehicle10/14 rashad300008:52 Nova1967
23hLong Term Bonds for Young Retirement Investors10/21 K2L08:51 Valuethinker
4hTSP and Vanguard07:22 wassabi08:31 LinusP
31cAmex premium car rental insurance not kicking in09/27 goaties08:30 goaties
19hAvoiding excess HSA contributions.10/20 EdLaFave08:23 Spirit Rider
0hDoes this look like a workable retirement investment plan for me and my siblings? [Germany]08:22 TheGreek 
1269tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab08:20 BashDash
1971tWhat are you up YTD? [Year To Date]2014 InvestorNewb08:18 lostdog
73tDo Advisers Add $$$ Value?06/30 Rick Ferri08:15 packer16
24cHeadlamp for dog walking10/20 charley08:09 Katietsu
7hRebalance 401(k) and Roth10/20 veritas et virt07:30 BL
5pHealth Insurance bridge until medicare20:07 boglemania07:27 Retired2013
110pDepositing Cash if it was gifted?10/18 LITeacher07:22 typical.investo
7tAvoiding Wash Sale: FSTVX -> ITOT10/19 dbk07:19 retiredjg
10tDo you use mobile apps to assist with your investments?10/20 Gamma Ray06:54 GrowthSeeker
5hSolo 401K contributions year of death10/06 LeeMKE04:05 LeeMKE
23h“The Worst Kind of Bear Market”10/20 ribonucleic03:26 Valuethinker
15hRobo or Self managed?10/20 vss03:19 typical.investo
12hConstructing a 100% equity diversified Factor portfolio10/19 Daedalu503:16 jalbert
52pReal Estate Versus Stocks01/17 Stanchion02:59 jalbert
5cPrivacy Protections for a Patient Death Preceding Passage of HIPAA23:04 Canopus02:28 ResearchMed
30pPut more than 20% down on a house?10/20 gadoc23:54 lotusflower
5hUnavoidable market timing decision - RSU vesting20:41 HEDGEFUNDIE23:50 randomizer
70tMoneytalk with Bob Brinker coming to an end09/28 Jim18023:49 smectym
35pCo-pay accumulators in new health plans10/19 madbrain23:40 madbrain
83tVanguard Precious Metals and Mining Fund is changing07/27 asif40823:35 saves nine
13tHow long will TIAA Trad (3.5%) stay ahead of the fixed income pack?17:57 b0B23:30 jalbert
33tPhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"10/20 Taylor Larimore22:33 Methedras
20hInvesting During Retirement10/16 Helpmebogle22:29 hawkfan55
20hNeed some advice getting started at 34yo (updated 10/21/2018)09/27 Laymen22:29 BL
40pHas anyone taken out an online mortgage?08/07 CULater22:15 rayout
67cI want to sell my home, but I don't want to fix it up07/23 fredflinstone22:06 LeeMKE
588cMy 2017 CRV is a victim of the dreaded oil gas-dilution issue03/14 CULater22:00 CULater
14p529: multiple accounts for the same beneficiary10/18 boglebrain21:59 HereToLearn
14pReceived strange letter from IRS10/20 Hayden21:53 HIinvestor
5hNew early retiree, looking to start this off correctly10/20 tntopspin21:50 tntopspin
68cWhy Purchase an Automobile using Premium Gasoline?10/21 Nowizard21:48 LadyGeek
31pFirst RMD is due last day of year10/21 praxis21:46 Alan S.
16tUS Large Cap Value - valuation?10/21 ge121:24 columbia
6hWife Left Job - What Do I do with 403(b), 457(b), and Pension Contributions?10/21 Messner800020:40 krow36
4tQuestion about the book Bogleheads' Guide to Investing10/20 frotec20:28 wolf359
10p529 Gift Tax18:06 black_knight_3220:23 mschurner
2hPortfolio advice request19:03 MakeSenseOf5b1U20:17 MakeSenseOf5b1U
3346cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt20:04 Halicar
17cNo power in half the house10/21 unclescrooge19:21 dratkinson
6hTransition old gifted stock shares to diversified portfolio while decreasing tax hit10/21 dalbright19:12 dalbright
7hRollover IRA Questions10/21 bck6319:01 Earl Lemongrab
5hPortfolio Advice for beginner...10/19 learning2save18:38 learning2save
6cHelp with reattaching a wooden door knob10/21 hmw18:27 PVW
15hMunicipal Money Market Fund10/20 Jimsad18:21 dratkinson
10pUSAA homeowner's insurance question16:46 aaflygirl18:12 aaflygirl
5pExperian credit freeze10/21 student18:07 kaneohe
2hHow to tax loss harvest ETF lots with fractional shares?16:47 am18:02 stan1
2hIRA cross over and custodian accounts10/20 Beaumyster17:59 aristotelian
136cPull kids from school for vacations?10/20 ThankYouJack17:49 LadyGeek
53pGive 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?10/19 tjhar17:42 dm200
10hWhat ETF to keep in a Merrill Edge account for Platinum Honors10/11 AHumanInterest17:32 arsenalfan
49cWhen do you need a hearing aid09/25 Rob5TCP17:26 Scrapr
10hBerkshire A Paper stock certificate10/21 Lafder17:24 123
10hManagement fees10/07 cbarbogle17:04 megabad
1194tIt's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!08/14 HuckFinn16:57 vitaflo
5hTime To Reinvest or Time to Hold Cash10/21 dje4msu16:47 Dandy
6hTLH help requested w/ Munis and International10/21 vieques16:46 grabiner
34hQuestion Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)10/17 NeedSomeAdvice16:44 retiredjg
5hDividend Growth Funds10/21 milosz1916:41 Elysium
48t"Retirement age uncertainty increases the savings needed for success"10/07 AlohaJoe16:37 Ron Scott
16pStealing ID using only name and SSN10/21 Carno16:34 MindBogler

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h = Investing - Help with Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
c = Personal Consumer Issues
r = Reference Library and Wiki
l = Local Chapters
f = Forum Issues and Administration

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