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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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1827 new posts and replies over 244 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
267tMy trend following strategy and experience01/17 willthrill8110:14 willthrill81
2hVanguard Target Date 2040 Fund Question08:31 Windylotus10:13 MNGopher
45cWhat are your best retirement years?10:48 flyingaway10:13 Lynette
20pRetirement Budgeting - What Do You Spend?17:57 3504PIR10:12 Stoic9
80tDid you get spooked by the December 2018 fall and gave up on passive?17:53 revhappy10:12 retire2022
334pEarly retirees, how much did you leave on the table?2016 TheTimeLord10:10 bltn
57pInvest or 529 PLan02/15 bg510:08 SimonJester
10cAnyone use Turo as Side Income?10:15 HardHitter10:08 JackoC
324pIf your networth is over $3 million, how did you do it?2014 ahmadcpa10:08 pdavi21
12hHelp with 403b/457b02/14 BigChubbyCakes10:07 ExitStageLeft
15pturbo tax online deleting form 2210 help02/15 sil201710:06 neilpilot
42tLarry Swedroe: 3 Factor Investing Myths02/13 Random Walker10:06 Random Walker
6cWhere to stay for 3 nights in Phoenix18:40 Wenonah10:06 p14175
0tToo short of the time to make a judgement? FZROX/VTSAX10:06 pkjr 
4hPortfolio too diversified?09:00 ReluctantSonInL10:05 22twain
71hTheory: NOW is the Best Time for Total World Stock02/14 bogledogle8710:05 mikeyzito22
3pLosing a job in your 50's...09:34 CyclingDuo10:05 KlangFool
9hMore Bad News for USAA Bank06:36 SueG512310:04 Stoic9
2pIrrevocable 401(a) percentage choice09:32 martint10:01 willthrill81
485tHEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]02/05 HEDGEFUNDIE10:01 HEDGEFUNDIE
2tDo bond index mutual funds' NAVs adjust like equity index funds? (dividend/distribution)09:34 Global10009:59 retiringwhen
10hAm I trying to time the market?09:37 Startinlate09:59 pdavi21
11cMedicare Fraud?16:25 vested109:59 vested1
20tThe WORST Morningstar Style Category In 201813:16 Taylor Larimore09:58 EddyB
35pPayoff mortgage vs investing: Looking at the math02/13 sal paradise09:56 Steven in NC
257pFidelity as a one stop shop12/15 BogleMelon09:55 corn18
36tOn Leverage02/15 grayfox09:53 HEDGEFUNDIE
49pDo you tell your beneficiaries?15:25 carol-brennan09:52 Stoic9
2nKeeping a US vanguard account for a non-resident alien.06:10 john.richard209:51 Watty
34tMorningstar Premium for $992018 DWesterb2iz209:51 Retired1809
35cOne week family vacation in Miami/Fort Lauderdale Area02/12 KlangFool09:50 KlangFool
13tLow risk, high return portfolio idea - Is this crazy?21:26 siriusblack09:49 MotoTrojan
24hIndividual bond fees02/13 michaeljmroger09:47 hudson
12hTiming of QCDs and RMDs15:12 tomd3709:47 sport
3tEstate Trustee Fees08:50 GolfGal09:46 cadreamer2015
1pTax question (Roth Conversion)09:44 tman994009:45 WoodSpinner
1tFidelity Foreign Dividends/Reorganizations Fee12:51 Singhvester09:43 pokebowl
1hTrad vs Roth math help19:34 CPW09:42 David Jay
21pAnother "Is it worth it to fix" question17:21 ScooterBob09:40 8foot7
15hHow to determine 401k portfolios close to the efficient frontier02/14 PluckyDucky09:40 retiredjg
12cSerpentine Belt Squeal02/14 Kywildcat09:39 Smoke
1091c[What TV Show Have You Recently Watched?]2016 dbCooperAir09:33 LadyGeek
1pH&R Block tax preparation software and Form 111609:29 jaj227609:33 HueyLD
22hpersonal rate of return02/14 Jimsad09:33 goingup
7pBest way to Transfer property08:24 masonstone09:32 Watty
59pVanguard Tax 2018 Forms Now Online01/19 billfromct09:32 Rainmaker41
14pH&R Block tax software (PC download) - more import issues02/13 tibbitts09:30 whodidntante
2t30 year Tips Auction Feb 21st: exp. yield 1.1%04:48 grok8709:30 grok87
34pAdvice Needed - Options for Commuting to Work02/15 snackontransite09:29 snackontransite
4pGet an umbrella and reduce limits on vehicle coverage?09:12 DesertMan09:26 sixty40
10pUnited States tax software02/03 MARFEE09:24 3dream3
6hAm I calculating bond fund return correctly?20:15 McKee09:24 McKee
12hVSMAX or VTMSX In Roth?02/14 brademac09:23 brademac
38pWhy efile if you owe?02/14 adpd200809:22 SimonJester
236tDo long-term bonds belong in one's portfolio?12/08 CULater09:22 Forester
16tNew and Improved CAPE is Higher!02/14 grayfox09:21 JackoC
10hPortfolio Help for 28 Year Old Newbie02/13 FreshStarter09:21 FreshStarter
7cRenting a car for 30 days or more07:13 Admiral09:18 Watty
21cRefurbished Nikon D750 + AF-S 24-120mm f/4G Nikkor VR lens16:05 raveon09:17 Steven in NC
74pBuying a 2019 RAV4 hybrid - how to pay for it?02/13 Sandi_k09:16 Kenkat
19cRental Car Company Preferences02/15 Allocationist09:16 3dream3
7pCost Basis for Mutual Funds11:21 SlowMovingInves09:11 SlowMovingInves
44pPayable on death (POD) accounts01/26 dave_509:08 Dottie57
19csend in driver's license photo for new Capital One credit card10:54 go_mets09:04 livesoft
22cBest Mattress Close to Original Tempurpedic02/12 DTalos09:04 midareff
21cBlu-Ray drives vs DVD drives for data storage and archiving01/27 Peculiar_Invest09:03 Peculiar_Invest
38tCharlie Munger: Teaching young people to actively trade stocks is like starting them on heroin02/14 Howard Donnelly08:59 nedsaid
11pLayoff Rehire and Career Options15:27 Pickle1108:58 cherijoh
4hEmployer 401K02/14 TKRN200208:56 teen persuasion
13cSwitching insurance, timing cancelation of old02/14 SimonJester08:54 NavyIC3
4h401K vs. Roth Allocation Question18:04 bumski08:52 ruralavalon
1tKnowledge priorities for new investors08:22 RadekSkylark08:51 LadyGeek
1c"good" binoculars for bird watching for eyeglasses wearer21:51 go_mets08:50 dbr
13pCPA Says I Need Specialist - Does this sound right?02/15 catchinup08:46 dbr
8h529 withdrawal what comes out first -what comes out first principle or gains02/10 Xrayman6908:43 letsgobobby
651cWhat frugal thing did you do today?2017 Nectarineman08:41 andypanda
192p[2018 tax return - How does it compare to previous years?]02/11 RobLyons08:38 thx1138
11pDrone photography as a side hustle23:14 miamivice08:34 tibbitts
25hFidelity vs Vanguard02/13 maryelai08:32 ruralavalon
48tBig IRA accounts02/10 elainet708:28 elainet7
44tWhy is 401k maxing preferred over taxable?11:51 neon beanbag08:27 David Jay
18hvanguard managed payout fund02/14 celestin08:27 dbr
4h529 plan AA entering High School07:57 RandomlyMethodi08:23 tenkuky
5cposting reviews on yelp vs google, privacy?14:24 blackwhisker08:22 Shallowpockets
17cBuying a used car..how many owners is too many owners?07/26 z9108:21 Nissanzx1
3hCA HSA investment options21:59 Bryan99508:21 Bryan995
0tRuminations on Taleb's "Antifragile" and its Applications to Retirement Income08:20 Horton 
7nUS W8-BEN - Must You File One?02/08 Hyperborea08:17 LadyGeek
11hBasic TLH/wash sale question02/13 need403bhelp08:15 nolesrule
34hGirlfriend's Financial Advisor Recommendations...02/14 Kierlack08:13 Dottie57
4pSSI at FRA and PP at 70 or SSI at 70 and PP at FRA?05:25 restingonmylaur08:05 LadyGeek
18pSpillover dividends and Vanguard tax info. TAX CENTER Warning02/05 Tipster194708:02 UpperNwGuy
22tFundrise - Accredited Investor REIT2016 cmublitz08:01 nisiprius
10pMega Backdoor Roth and 1099-R taxable income04/04 Boglewoglewogle07:58 ImmigrantSaver
7cComposite Cedar Siding and Real Cedar Siding Maintenance21:19 Jamesla3007:56 TT
598lPost your Financial Milestone Announcements Here2018 Alex Frakt07:54 LadyGeek
20cHelp plan [Machu Picchu], Sacred Valley trip2018 angelescrest07:50 steadyhand
6hNewlywed Financial Next Steps15:13 mdin8707:48 WoodSpinner
10cWhich sports car ride in Nice, France?02/15 Pacific07:46 Shallowpockets
139hWhy international?08/05 stocknoob411107:40 ruralavalon
5hWithdrawing contributions from Roth 401k after rollover to Roth IRA13:30 brcarls07:30 brcarls
69tYou Can Market Time At Valuation Extremes06/12 Park07:25 marcopolo
4cAutomatic Swimming Pool Filler?21:08 thirdman07:24 thirdman
4hPartially recharacterize Roth IRA contribution for 201805:57 JustinR07:23 kaneohe
13p[Want to do backdoor Roth, but non-deductible contributions not maxed out]02/07 bkd5302807:16 ivk5
93cMega Downsize....08/28 Silver Bullet07:09 blueman457
10252tU.S. stocks in free fall2011 Lbill07:02 J G Bankerton
4h2018 1099-B05:37 cartman06:49 Monster99
45tFidelity reports-The number of 401(k) and IRA millionaires declined. The number of people with $1 million or more in the02/14 MFInvestor06:47 J G Bankerton
12hTime to pull the plug?14:22 Dupree06:47 student
1nEuropean, dutch investor here: Is investing in VTI and VXUS still a good choice?02:26 finrod_200206:17 Valuethinker
6nEuropean alternative to VXUS01/16 ripper2306:16 Valuethinker
2pFun with Form 8606 Part 312:52 Tamarind06:08 Tamarind
215p"Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"12/10 b0B06:06 frankandbeans
17tRick Ferri on the Rational Reminder Podcast02/14 Rick Ferri04:59 Leesbro63
16nChange of broker from Saxo to Interactive Brokers12/18 bubbasour04:47 bubbasour
2h[US Citizen] Invest in Australia ETF01:14 IPA04:47 daffyd
6p1099-MISC / W-2 physician tax question20:31 ezekiel140104:45 ezekiel1401
1hNon-Deductible IRA19:17 BGO03:54 Carl53
15hNeed advice on personal situation [may return to Europe]02/09 inves7603:39 TedSwippet
13hInherited asset allocation02/14 SemperFi7902:16 SemperFi79
9tTwo-Fund & Three-Fund Not Diversified Enough for Large Investments?02/14 Frank201201:53 asset_chaos
61cMMORPG games01/09 Soundwall01:12 notsobright
31tHow does your stable-value fund stack up with G Fund?02/13 Earl Lemongrab00:45 Darwin
0lSo Cal Chapter?00:40 catchinup 
17pAirBnB and taxes10:15 ohboy!00:23 michaeljc70
32hCalculating cost basis of Express Scripts in Cigna merger01/30 Loon1100:06 increment
41hBuy pacific gas and electric?01/24 SarahS00:01 boomer_techie
5pHow to Report CME Reimbursement02/11 southerndoc23:41 dodecahedron
44pHow to live well in retirement below the poverty line (not pay taxes)02/14 carol-brennan23:38 Epsilon Delta
43tWhy I Own a Total Market Index Fund02/12 Taylor Larimore23:15 Jerry476
5hSlide presentation to teach others20:25 elainet722:53 Peculiar_Invest
131cAirbnb - cleaning fee, service fee, occupancy fee....???06/27 F150HD22:45 freebeer
9pRoth Conversion02/14 Monk5322:30 Monk53
16pTaxes - Do you use the 1099 summaries or detailed views?02/14 JustinR22:26 LadyGeek
2pPart time check all go's for tax's20:58 hulburt122:18 JBTX
21pFamily member duped into life insurance -- any recourse?02/06 dimdim22:11 unclescrooge
192t(NEW) WisdomTree 90/60 U.S. Balanced Fund08/08 hdas22:07 klaus14
14hConfused about wash sale rule02/12 l1am22:04 rkhusky
16pInvest or pay off mortgage02/14 schutzk2122:01 Xrayman69
18hRepay 401k loan or mega back door roth?02/14 millscd6321:51 whodidntante
1pInvestment Ideas21:14 Invictus00221:36 Watty
6pbrother purchasing consulting firm with delayed majority ownership18:10 gips21:23 spectec
153tTIPS yield curve inverted at short end12/22 Kevin M21:19 gmaynardkrebs
0hEarly retirement savings withdrawal strategy check-up21:18 Anon E. Moose 
7pTaxes for First Time Solo Small Business Owner17:15 Boxtrap20:51 Spirit Rider
16pDo I Pay Tax on Husband’s Bonus Check Received the Year After He Died?02/14 Mapmaker20:49 RudyS
0hMega backdoor Roth Turbotax headache20:49 madbrain 
145pWere you 100% debt free at retirement01/31 TheTimeLord20:45 Elena
17pHow to value pension as a benefit at midcareer?02/14 AnonStoic20:42 texasdiver
80cRodents ate my car!07/03 Church Lady20:34 bowtie
6tFidelity/American Funds Portfolio - Help Appreciated02/14 darkhorse34620:34 darkhorse346
1pHSA Excess Contribution Question18:13 waterpro20:23 Spirit Rider
5pChase free credit score..what's the catch?16:51 z9120:22 grabiner
7hStraying from "investment plan" for the purpose of tax efficiency?02/14 jplee319:59 grabiner
16pLong term care issues -- quality, accessibility, and tail risk13:00 CULater19:59 delamer
4142cWhat Movie Have You Recently Watched?2014 abuss36819:56 baconavocado
23pIRS Direct Pay02/14 juliewongferra19:56 whodidntante
27hMuni Bonds for large part of Bond allocation smart?01/20 cavemanwithFIRE19:51 grabiner
65pEmpty nester downsizing - any advice?10/22 FIREchief19:48 FIREchief
34hHolding too much cash now?02/12 mike246819:45 radiowave
13hglide-path in a declining market?02/14 miket2919:44 grabiner
7hESOP Index Funds13:15 bkd5302819:40 bkd53028
3hUse the IRA to HSA 1 time contribution?13:27 Jimmy Mac 3319:33 Jimmy Mac 33
6hQuandry VXUS vs new No-Fee Fidelity Fund09/03 donaldfair7119:27 yoyo6713
2pRollover from Coverdell to 529 not handled in Turbotax02/12 markcoop19:26 markcoop
23t"College Endowments Badly Trail The Market"01/15 Taylor Larimore19:21 BrklynMike
30tWill wife’s social security affect my Roth conversions.02/11 stumpy19:21 celia
11pH&R Block software bug: tax-exempt interest with bond premium and accrued interest11:14 Kevin M19:21 HueyLD
58cThoreau Simplify02/09 4nursebee19:17 tooluser
10cNeed help choosing laptop02/15 Cpadave19:15 Cpadave
4pCiti 2.36% savings interest17:30 raamakoti19:12 ginmqi
94cMazda Miata as Daily Commute Fun Car?02/02 Davinci19:08 BogleBoogie
6pIRS Form 8606 Free File Fillable Forms01/29 LifeOfRiley19:06 Alan S.
7pRollover IRA to Roth IRA Backdoor Tax [Non-resident working in US]02/14 timestap19:01 timestap
3hBeneficiary IRA - RMD's02/13 Polarize18:54 Alan S.
9hRent or sell house02/08 J072118:54 Wiggums
17pAnyone ever heard of an unsolicited retroactive pay raise?13:28 CFM30018:50 tooluser
35tVanguard "secret" funds02/13 DestroyingAngel18:39 LadyGeek
14h$400 underpayment penalty02/13 MMLC318:34 nolesrule
5hheaded to Aspire12:47 Westwing18:24 KESP
10cMilestone Speech Question14:43 ETadvisor18:20 LadyGeek
1pAnother Backdoor Roth Question10:35 tinylittlesquar18:16 Duckie
1528tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab18:04 GeraniumLover
8hMistake while performing Roth IRA Conversion - Advice wanted02/06 StringTheory17:45 Duckie
14pTurboTax and form 2210: software bug?02/08 deanmoriarty17:45 deanmoriarty
87pPension valuation: is $100 really worth $18,000?02/07 Admiral17:40 2pedals
22hRoth 403b or 457 for two teacher family with two pensions02/09 BashDash17:39 retire2022
49hPortfolio Check Up: fund placement and tax efficiency02/11 TXJeff17:36 celia
36cTravel to Cuba02/09 FireHorse17:31 cap396
63cHow do YOU buy a car? (TrueCar, Costco, Carvana, etc)02/10 BlackStrat17:23 3504PIR
70pREITs - 20% Qualified Income Deduction06/17 grok8717:19 abuss368
14cDifficulty reconciling Amazon charges to Chase Amazon Visa2017 CFIT17:16 quantAndHold
7hReporting backdoor roth13:35 mrb17:02 Duckie
4tTreasury money mkt. vs prime money mkt.14:08 Gregorycook16:52 RickBoglehead
22pNYC area, buying first home- where to begin?02/14 hudsonriverjogg16:50 JackoC
30tHow do I respond to this advisor?02/13 tharbors16:50 ExitStageLeft
16cNissan Slate of SUV's12:15 fishmonger16:49 phxjcc
1pany instructional designers out there16:28 3feetpete16:44 barnaclebob
7pForm 8960 (Net Investment Income Tax)2014 dcnut16:41 Electron
2pSS Application question16:05 jacksonm16:34 HueyLD
0pSelf-Employed 401(k) and Part-Time Employed Position16:23 southerndoc 
90pBeing content with your finances02/12 masonstone16:13 PluckyDucky
6hOptimize portfolio and what to do with bond money02/13 RandomlyMethodi16:05 Duckie
12cCar rental - full size vs premium02/14 jay2216:03 Starfish
23cBuilding a home02/15 darrvao77715:28 adamthesmythe
20tWellesley’s Secret Sauce to Remain Secret02/15 cinghiale15:24 deikel
2tVanguard & Boglehead Books12:19 abuss36815:15 abuss368
4pAdvice Requested: Solar Panels, Home Improvement, and Financing14:11 gofarhaveacigar15:13 Thegame14
18pNegotiating to get a direct report?02/14 mad_pear15:07 DarkHelmetII
23p401k Loan Rate vs Investing02/15 boston8514:53 elderwise
22tEpisode 006: "Bogleheads on Investing" with guest Dan Egan02/05 Rick Ferri14:42 sddiehard
20hContributed to Roth when exceeding limit01/26 HardHitter14:29 retiredjg
19pHow much of my bonus should I put in my 401k?02/15 Startinlate14:28 McDougal
104c3 year old tires installed (Sam's club). Should I do anything about this?02/09 oko14:28 oko
28nEU investor: any way to avoid punitive US estate tax on death?02/11 DJN14:19 galeno
10pWhat business did you sell?02/14 ThankYouJack13:28 Raybo
55cvisiting Baltimore2011 amber waters13:27 tenkuky
29lChicagoland Master Thread2017 elihu30313:15 HoosierJim
18hVT Total World Stock ETF and the Foreign Tax Credit Pinch Out2018 Risk seeker13:13 sharukh
2pOptum Bank HSA - customer support?02/15 oldcomputerguy13:12 ekid
7hPortfolio review10:57 milosz1913:10 carmonkie
13hStrategy for Selling Company RSUs02/15 DanEmmy13:06 software
8tOne of the wasatch funds just returned 30%01/26 pm2987113:02 cherijoh
20hCan't contribute to an IRA during grad school but still want to save02/15 yql12:58 dknightd
563tU.S. stocks continue to soar!08/27 GoldStar12:52 J G Bankerton
3266pWhat's Your Credit Card Rewards Strategy?2016 guitarguy12:40 ginmqi
17hFidelity Brokerage and/or Cash Management Account?2017 obafgkm12:37 Cash
9tMorningstar article-"Can Vanguard Remain Alone?"02/13 MFInvestor12:28 abuss368
8hFidelity International index options02/14 turbospey12:20 turbospey
6tSchwab Intelligent Portfololio/Robo - Tax loss harvesting results02/15 actx12:02 feh
28tBuying non-Vanguard ETFs Vanguard on Vanguard brokerage. Dividend reinvestment?08/23 international0011:56 jhfenton
5pShort term reinvestment clarification02/04 meebers11:52 meebers
30hOpening MMA at Vanguard02/13 fingoals11:37 fingoals
274tCase study Broker trade executions2015 livesoft11:37 bondsr4me
18hHow much should my net worth be if ...02/14 SarahS11:31 ruralavalon
295pIs Long Term Care Insurance worth it?01/31 CobraKai11:18 marcopolo
76tHow much Fixed Income on the day you retire?02/12 TheTimeLord11:08 MisterMister
1pAny way to retain minimum bonus/RSU withholding?02/15 MrBeaver10:57 mhc
101pDownloadable Social Security Benefit Estimator (repost)2017 neurosphere10:56 TonyG77
10pDepreciation02/13 Guitarplayer10:56 tbone555
83cWhat Tech Gadget Would you Buy?02/06 nexesn10:51 BarbaricYawp
46hCDs: 1 yr vs 3yr02/10 carol-brennan10:49 snowox
59pA different kind of midlife crisis02/13 ChowYunPhat10:19 smitcat

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t = Investing - Theory, News & General
p = Personal Finance
n = Non-US Investing
s = Spain
u = United Arab Emirates
c = Personal Consumer Issues
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I = Non-US Local Chapters
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