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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.


Post ListingsView subforum list

1377 new posts and replies over 217 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
30tAvoiding the temptation of individual stocks09:51 TheInsect00:54 secondopinion
9pWhich brick-and-mortar bank has Savings Account with high interest?21:30 teelainen00:53 WeakOldGuy
39hStop Playing12/10 t24b35000:49 LotsaGray
0pLife insurance and genetic testing00:44 howdo 
35pGuessing healthcare costs in retirement12/07 Wannaretireearl00:39 Northern Flicke
179pAnyone Glad they took Social Security Early?08/27 LaramieWind00:19 tuningfork
7tWhat are 3 funds to use at Schwab for 3 fund portfolio10:06 Tatala00:17 bogling
5pRenters insurance for goods damaged during moving01:22 Boron191300:03 ResearchMed
29cTravel Insurance02/05 Lmf117123:57 nonnie
0cBudgeting for Health Insurance/Healthcare pre Medicare23:55 Saving$ 
8c3 Computers: Best way to liquidate/sell.....????19:12 atwnsw23:53 Dregob
85pTerm Life - How much do I need?12/11 CC26823:45 Minty
4623pShare your net worth progression2014 techcrium23:43 kevin99
3hPortfolio Review Request- help me help my parents22:16 FinanceDad23:40 breakfastinbed
19pUsing 529 plan for living off campus housing2022 firefox23:40 Normchad
24hseeking Vanguard money market alternative12/11 Pappagallina23:38 Curly
21hFidelity messed up Solo 401k contribution year12/06 Polaris23:37 backroad
103cgas stoves leak gas even when off?12/10 anoop23:30 imyeti2
33pExercising Credit Cards Not Used Often12/10 Leesbro6323:28 JBTX
270hCash at Fidelity2023 Da5id23:24 anon_investor
28hScratching my head about current markets11:27 bendix23:09 Beensabu
723tShiller PE now near 39 - 2nd highest ever10/02 RationalWalk23:04 JBTX
5hTaxable Bond Shopping12/11 SimpleStupid22:58 breakfastinbed
23hGifting a $100 I-bond to someone without a TD.gov account12/10 fyre4ce22:45 beyou
3pQuestion about Special Trustees21:58 snic22:40 RetiredAL
2tRob Berger tested out Monte Carlo on Boldin, Pralana and Project Lab21:25 gavinsiu22:30 USAFperio
9498tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab22:29 bogling
18tWarren Buffet performance after 200001:18 blimp22:27 blimp
39hWhat to do, my bank account is reaching 250k fdic insurance limit09/15 bigfig22:19 Dottie57
17cWhat is wheel lock fee when you buy a car18:38 gavinsiu22:19 Doctor Rhythm
11hwith Spec ID, considerations for which LT shares to sell12/10 mrbillium22:12 Thesaints
3pRecharacterizing Roth IRA -> traditional IRA -> backdoor Roth IRA questions17:20 thetadecay22:07 FiveK
57hWhy VTI if VOO outperforms historically?12/10 mander7522:01 prioritarian
5hFuture retirement19:06 BWsuperduty21:53 cosmos
11pNearing retirement. Too late for a Roth?12/11 tomwood21:50 Watty
0pTaking distributions from contributions portion of MBDR21:46 narvesen 
2hAm I on the right track?20:44 TJSOFNV21:44 TJSOFNV
9pQCD's and RMD's12/11 cork21:40 Alan S.
25hRetirement Plan Assistance Request08/28 furbabymomof221:37 furbabymomof2
44pScammer wired $900,000 from our account to theirs by changing one letter in my email address13:17 knightrider21:35 Doctor Rhythm
7pIRS Notice Surprise with Crummey Trust; What other time-bombs might be out there?11/26 CuriousGeorgeTx21:31 CuriousGeorgeTx
6cReplacing Generac Whole House Generator Because of Extended Runtime Reliability?18:19 Toddo21:31 rkhusky
9pRequesting feedback on our retirement plan12/11 divebums21:30 Watty
19pAre We Spending Too Much?12/11 BizarroJerry21:29 snowday2022
1pHelp with Settling Estate - Edward Jones Account18:39 WesternFront21:25 jryan
12pCompany car vs. auto allowance - please help w/ the math!15:50 DDS8221:23 DDS82
6pRMD late tax avoids prepayments19:56 3LakesJim21:23 Alan S.
5thelp understanding momentum factor premium10:39 shoenicorn20:57 brightlightston
18pTurbotax 2024 Download Version for Simulating Roth Contribution12/11 lawman396620:56 FiveK
139h[Fear of risk of future political and economic events]: leaving equities (6 years from retirement)11/29 MikeT20:52 rkhusky
2tValue investing's growing blind spot???20:10 shoenicorn20:50 asset_chaos
32p[State Employee Pension Plan] Medicare Advantage Dramatic Premium Increase12/10 retire5720:43 Count If
44hWellington vs. 3 fund2020 hotwired20:42 nisiprius
53pRMD Tax Withholding01/14 bucky622520:35 lstone19
108pLooking back were you too conservative when purchasing the home you raised your family in?12/09 MrCastaway20:28 ranger3
765tA time to EVALUATE your jitters2011 nisiprius20:27 AnnetteLouisan
41tHow much financial sense is teachable?10:58 TipsQuestions20:21 SuzBanyan
6pCosts basis of rental property that we used to live in12/11 helloeveryone20:16 SuzBanyan
25cCar comes with Spartan Theft Recovery as an automatic add on12/11 gavinsiu20:14 boomer_techie
7hWhat to do with my Pension12/06 JohnnyP85320:13 JohnnyP853
14cMoving everything from old PC to new PC12/11 protagonist20:12 twh
39pQuarterly Estimated Tax Payments and Safe Harbor2021 tomsense7620:06 bongo
886p[Split from "Fidelity as a one stop shop" thread - locked or restricted Fidelity account issues]09/15 ez_mode20:05 rkhusky
1137pUS Bank 4% Smartly Visa Credit Card09/05 Bosro20:01 aj44
2hESPP Liquidation Help18:22 eastcoastbogle20:00 mercutio2
28pRoth conversion tax payment methods (at Fidelity)08/07 brcarls20:00 Count If
82hQuestion Wellesley vs Wellington2021 Tool-Time20:00 dbr
15pSocial Security question regarding receiving maximum benefit12/11 Allan19:58 FiveK
5pLife insurance suggestions for a couple in late thirties16:03 veryverylazy19:55 veryverylazy
8hETF/mutual fund for combating inflation? ....14:09 Lawrence of Sub19:53 chrisdds98
46pCapital loss and Retirement Accounts12/11 josephny19:49 josephny
85pEngineers - when did your yearly raise amount begin to stagnate12/11 DMB4119:44 gwanghoops
154cLooking for a cd-based sound system11/08 AzWDC19:35 hvaclorax
4hDuration matching when withdrawing from tIRA15:20 drspine19:28 drspine
9hWhen to Reinvest in VTSAX16:03 Receo19:27 dogagility
7613cWhat are you listening to now2020 Artful Dodger19:27 Chv396
10c500.00 a Month Reasonable Medicare Premium Expectation ?12/10 Fillmore19:25 Silentnight
86tBeyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice2023 flylikeanosprey19:20 SantaClaraSurfe
21cPlease eval Michigan Trip Summer 202507:57 SuperSaver19:18 ScaledWheel
3hPortfolio Advice - TSP Heavy11:16 Casey9919:18 bonesly
24pShould I pay property taxes all at once or quarterly?12/11 rasputin19:16 CuriousGeorgeTx
1pIRS first time abate19:11 mjhfx119:13 soxfan10
16pWhere to open a SEP IRA?12/04 new2bogle219:10 new2bogle2
6696c[What TV Show Have You Recently Watched?]2016 dbCooperAir19:09 Artful Dodger
995cLet's play chess2021 LadyGeek19:09 MrNarwhal
1187tTotal Portfolio Allocation and Withdrawal (TPAW)2020 Ben Mathew19:04 JohnnyP853
21hDestiny tech 100 [closed-end investment] opinions05/08 am19:02 am
10hPlease suggest an investment plan16:39 Ana-Maria5719:02 breakfastinbed
16pUninsured Motorists Bodily Injury12/09 slippinsurlies19:01 NYCaviator
237pPralana Online Released - Impressions10/03 Exchme18:53 samulta52
8hHow much to invest in 52914:06 veryverylazy18:47 bambambigelow
45pNeighbor's home as investment property - what to do? UPDATE 12/10/2408/19 vanuber18:47 vanuber
0hPortfolio/Capital Distributions18:41 DIY_NY 
5191cWhat frugal thing did you do today?2017 Nectarineman18:30 Walobolo
5pMedicare Payments When Starting Social Security13:46 Ivy18:16 Cyclesafe
4hProcess for closing the Solo-401K15:04 jlm4118:15 chaser
11pelectric vehicle now or January11:33 Jobseeker201318:11 barberakb
11tFixed allocation holdings for early retiree12/11 brockmari18:10 Hacksawdave
41tAn Observation About Momentum Factor Investing12/09 Benjamin Buffet17:59 nisiprius
9hAdvice on new strategy12/11 Inthemix2217:55 secondopinion
11hBest Ways to Optimize Mega-backdoor Roth Contributions with an S-Corp12/10 tack043417:31 tack0434
26tVanguard Proxy Vote Discussion12/04 Oicuryy17:27 zlandar
11tBond index fund question12/11 Iceman48117:22 dbr
5hiBonds IBTE Maturing.13:49 LotsaGray17:15 LotsaGray
5hAnyone Know Inside Story on Columbia India Consumer ETF(INCO): Drastic Portfolio Turnovers12/11 Randle2Hard2Han17:11 exodusNH
8411cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt17:10 Blues
11hCould the HSA contributions through an employer be changed mid-year?12/11 HeadSpinning17:06 HeadSpinning
27cClothing - stepping up from Costco to Quince08/10 LilyFleur17:04 JordanIB
39pA good source of historical data for Medigap premium increases?12/08 GaryA50517:02 GaryA505
1pCreditKarma - Merrill Edge connection issue11/12 mk103916:55 DrIkerr
7hHelp with inherited IRA investment choice12/07 vanman16:38 gavinsiu
24pEmployee offered Roth IRA vs 401k11/12 neko0616:36 neko06
17tVanguard Announces Allocation Changes for Vanguard STAR Fund - in Q1 202512/09 sycamore16:35 Hacksawdave
0pCan you gift property to a testmentary trust?16:34 tfalk 
17pRMD, then Roth Conversion - Does order matter?12/11 capran16:34 capran
9pFidelity HSA vs Bond funds vs California taxes12/11 boomer_techie16:31 Circle the Wago
26cWatch geeks - wadda ya think?12/04 psteinx16:30 Parkinglotracer
13pWhich cash back visa to pay Medicare including IRMAA?06:50 Anovice16:25 tj
48pFidelity free/$5 Turbotax 202412/04 TheRealJohnDoe16:22 fetch5482
15hHow To Open Roth IRA for Minor Child By Working On Our Farm12/11 SurferLife16:21 toddthebod
36cNew Genesis GV60 having issue with A/C every summer10/14 Ccthealias16:18 Ccthealias
2hSuggestions for new 401K14:11 Late2Brake15:56 HomeStretch
16h50 YRO with 10 times earnings saved. Now what?12:09 mmignone15:49 tibbitts
3tRoth/Backdoor/Limits12:14 deltaneutral8315:48 retiredjg
37pWhat if's with TurboTax?12/03 Al Dente15:47 TheRealJohnDoe
4pFidelity Roth Self-employed 401(k) Information11/15 CharacterCounts15:43 HomeStretch
246cHow do you utilize AI (artificial intelligence)?2023 tetractys15:42 AnEngineer
48pHow Much do you gift your children?12/10 PinotGris15:41 TomatoTomahto
575cWhat have you baked recently?2018 Elsebet15:35 Chv396
2tError in Sharpe's The Arithmetic of Active Management"12:51 zmit15:32 djm2001
32hCA Tax strategy12/09 Tech15:04 snvr
13hTax diversification - Roth12/10 MedEngineer15:03 tibbitts
14pRMD penalty reduction - unintended consequence?2023 MarkNYC14:58 NITS
4041?Post your Financial Milestone Announcements Here2014 Working2notWork14:46 Stinky
2pCan a 529 be a beneficiary of I-bonds?12:51 chemocean14:45 chemocean
3hNon-Spousal Inherited IRA Beneficiary Possession Deadline13:59 SierraRainShado14:33 mhalley
15pSECURE Act requires taking RMDs before doing any Roth conversions?12/09 SadimTouch14:25 SadimTouch
3hHelp with Simple IRA!!12/10 SD77714:20 MP123
4cHow to record well pump cycles12/11 Tracker96814:04 mpnret
18tVanguard to accelerate wealth management drive in restructuring12/09 exodusing14:04 Ever Ready
3pCheck on When to Take Social Security13:10 HighLonesome13:58 GoodMolemantoYo
18cScraped another car in parking lot12/11 A Random Fellow13:53 JPM
21pSetting up Passkeys on Vanguard Site Worked for me10/10 JamesSFO13:46 runr
250hThoughts on bonds vs. cash12/04 John313:41 cbs2002
2974tPurchasing MYGAs (multi year guaranteed annuities) - mega thread2020 Stinky13:35 discman017
7hVanguard funds moving opposite of expectations12/11 twillis13:33 retired@50
22cEmailed Vanguard Proxy Vote Request Legitimate?12/04 NDHawkFan13:33 dumbmonkey
14pUsing last years Turbo Tax to estimates current years taxes01/04 trueson113:32 MathWizard
12hInvest in individual stocks in Roth IRA?10:03 kd8813:17 kd88
134tBill Bengen: We Should Market Time & Inflation is Deadly12/07 Leesbro6313:07 CraigTester
103hThoughts on Gainbridge OneUp Annuity?2023 frcabot12:58 Stinky
17pCan a non-account holder have use of a debit card? [Assisting a Medicaid recipient]12/11 WeakOldGuy12:46 bongo
55cTravel Soccer Worth the Money & Time?12/10 capitalhockey12:44 thedaybeforetod
15pPotential transition from Defined Contribution to Defined Benefits12/09 frugaltigris12:32 jtk
30pOut of Network Anesthiologist11/21 AS791112:25 cks
9hSale of Rental Property: Increase Brokerage or Pursue Other Investments?12/08 MapleFarmer034312:18 Dabeachi
612?Searching for Lost Contributors2021 RovenSkyfall12:14 Luckywon
35cMaintaining a new Global Entry membership (USA)03/19 Tabulator12:13 LuckBeALady
35hTraditional TSP --> Roth IRA process2023 OfficeSpace12:13 rkhusky
103pRoth Conversion - Penalty for EOY?11/18 MoneyIsTime12:03 A2Mark
1hEntering solo 401k contributions in Quickbooks Onine11:29 unclescrooge11:55 MP123
2hAsset Allocation - I have money all over and need to consolidate12/11 eDiva11:53 Eagle33
8248pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly11:41 frugaltigris
7pMultiple 401ks- how to spread the contributions10:26 DocTNF11:38 jtk
8pPlan For Putting Money Earned on the Side into a Solo 401k as a W2 Worker12/10 randombuffalo11:35 mariezzz
1pErrors in Medicare.gov Part D for Guardian LTC Pharmacy Networks in CA10/19 Mega U Retiree11:31 Mettacnm1
31pGetting Divorced -- should I buy out my spouse for the house, or sell it?12/07 MBenP11:25 Carefreeap
3cCareHarmony12/11 skepticalobserv11:23 retiredjg
5pInvestigating Chubb Excess Liability (Umbrella?) Insurance12/11 Kinkajou8211:22 snackdog
29hRoth Conversion: Mine vs. Spouse - Does it Matter?02/25 WhitePuma11:20 GAAP
72tWhy 100% stocks if the SWR is lower?12/04 alex12371111:14 Firemenot
46tMorningstar redefines growth/value style box criteria09/24 NickL11:13 Nahtanoj
20hPE investing in SpaceX12/10 SpaceNerd2011:08 quantAndHold
888tA Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)2019 longinvest11:06 longinvest
9hReceived check from old 401k12/09 VintageBurst10:57 retiredjg
12pDonor advised funds. self managed, buy stocks???12/11 Frankfurter12310:56 MrJones
1pFamily S-CORP: Compensation strategy for spouse12/12 nura10:54 MP123
2nCan you be taxed by a country only because your online brokerage is located there?09:17 Swanman10:48 KlangFool
69cAdvice for buying a car in 202402/21 ETK51710:47 PottedPlant
17h[Vanguard closing out VFSTX as part of STAR fund changes -- Sell or wait?]12/11 retired6110:45 LadyGeek
14492tHEDGEFUNDIE's excellent adventure Part II: The next journey2019 HEDGEFUNDIE10:43 Hydromod
12419cWhat Movie Have You Recently Watched?2014 abuss36810:33 Chv396
0pLooking for CA CPA10:27 Tech 
18tIs the asset allocation skewed by tax status of funds?12/11 Workinprogress10:26 gavinsiu
4nETF discontinuation risk04:34 alwaysonit10:26 Harmanic
51cRepair or Replace 2012 Camry? Need advice!11/26 capitalhockey10:23 tibbitts
8pLT Capital gain v Ordinary Income question12/11 sucan09:49 IDpilot
23cWorking with at-fault drivers insurance vs through our insurance?12/06 flyingcows08:58 flyingcows
2hHow to rebalance former Schwab Intelligent Portfolio while minimizing tax hit?12/11 CharlesSquab08:55 retired@50
154cWhat’s the deal with turntables?11/28 Tony-S08:50 hunoraut
233pH&R Block 2024 software offer10/22 LadyGeek08:25 yankees60
25hSingle Fund after retirement12/11 Bigfish08:16 GaryA505
4hImplications on contributing to a Roth IRA when using a Roth 401K12/11 sammyiv08:14 retiredjg
9hPlease examine my plan to buy a SPIA now vs later12/11 HotRod08:08 rich126
19cCreating the ideal sleeping environment12/11 davebo08:05 bloom2708
9hPublic Utility Investment - Electric Grid Shortcomings12/11 saabdued08:02 saabdued
14hTrouble finding correlations for a TIAA account12/09 valleyrock08:00 valleyrock
9cGaming Monitor recommendation with HDMI and USB-C12/04 FB0107:51 Walobolo
15tchart - time, not timing is what matters....12/11 standard707:42 Onlineid3089
15tComments on paper "The Death of the 4% Rule ..." ?12/11 goshenBogle07:21 dcabler
59tS&P500 or S&P500 equal weight?08/26 Always passive06:59 HooCares
76t"Are Annuities a Better Fit for The Three-Fund Portfolio?12/06 Taylor Larimore06:46 dbr
50pEstate Planning - 5% vs ages 25/30/3509/19 ThankYouJack06:12 Steady59
17hEarly retirement goal12/11 CalBear5506:08 ginrummy
8hTax treatment of Progressive Corp. Annual Dividend12/10 peratio05:59 peratio
1hGrandparent 529 boost08/22 happysteward05:48 Admiral Fun
13pRolling over 401k to traditional IRA & then converting to Roth IRA12/06 ROC_30505:41 ROC_305
52hTraditional TSP or Roth TSP?12/10 thethinker05:34 djplourd59
28cburning MP3 CD from iTunes12/09 familythriftmd05:21 lazydavid
2uUK 29yr expat - Coach potato portfolio vs Vanguards life strategy ETF12/11 aproctor0503:44 aproctor05
7662tInternational (Non-US) versus US Equities (The "Arguments")2023 CraigTester03:06 seajay
15tNightshares: "Academic research" vs the real world12/10 nisiprius02:35 pseudoiterative
4hWhat changes after losing job?12/11 Johnny9902:10 TechRunnerZenDa
1nNeed personalized investment advice.12/11 Abi.gail02:03 Siaigi
4hPretty simple question about diversifying my IRA12/11 RobLIC01:55 bonesly
4hVanguard steps for Roth conversion with indirect rollover at end of process....12/09 Retired@5801:08 bongo
3cHelp me get smart on Home Solar and Battery Backup12/11 zeep01:00 llin

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p = Personal Finance
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