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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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1760 new posts and replies over 225 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
8hHow much does your employer 401k plan charge?19:50 TheEleven22:51 EddyB
11tHelp me think through demographic trends change my savings rate and life long investment in human capital20:55 qwertyjazz22:50 Alchemist
144tDiversification Regret Index11/02 vineviz22:49 willthrill81
11685tU.S. stocks in free fall2011 Lbill22:49 Bluce
86pAnyone retire in their 30s?08/17 Nathan Drake22:49 ARoseByAnyOther
172pTrust Services2017 rigoodma22:48 robandjeanne
3hTiming a Roth Conversion22:29 soccerfreak22:47 iceport
1hHelp getting out from under Northwestern and onto my own21:53 slopetider22:44 tibbitts
13pPossible to refinance before moving in?08/15 boglefi22:39 ARoseByAnyOther
89tWhy Zero (or Negative) Interest Rates Could Someday Make Sense08/14 SimpleGift22:36 frank5
47cBattery powered lawn mower08/18 JimMolony22:36 indexfundfan
72hWhen Did You Ease Up On Saving Aggressively?11:40 RJC22:35 MrBeaver
917pFidelity as a one stop shop12/15 BogleMelon22:35 ClaycordJCA
164tWhy do dividends still exist?08/09 hungrywave22:33 fennewaldaj
138tNegative Interest Rates in U.S.08/10 susa22:32 MotoTrojan
4pShould I pay off a portion of my mortgage early?21:40 TheHCInvestor22:30 grabiner
7p"No cost" mortgage refi: will lender pay my fees?20:37 coalcracker22:28 HornedToad
1045tRumor mill - Fidelity starting individual HSA's Nov. 15th [2018]11/11 liberty5322:27 tmhudg
0hUndoing Mega back-door due to failed ADP/ACP test22:25 Xanadu 
3pValue of continuing education later in career21:21 miamivice22:23 ARoseByAnyOther
5hPrudential 45701:49 -Bman-22:21 -Bman-
8hShould I convert my small IRA accounts to Roth to avoid pro-rata?14:17 kevin9922:19 celia
21pQuestion on Chronic Conditions and Wellness Exams09:43 ossipago22:16 mariezzz
221tBogle "5% Gold"01/17 JuniorRob22:14 index2max
10cHome Office - Main Floor or Basement18:18 JI012422:12 nguy44
2cEvaluation of Brave and Opera Web Browsers16:44 stargazer22:12 jello_nailer
35h529s: One for family vs. One per kid08:00 scubadiver22:12 Spirit Rider
198pSelective Colleges08/16 psteinx22:12 decapod10
22hI'm signing up for Vanguard PAS...13:05 ljr22:11 drzzzzz
219cAnyone disenchanted with retirement?2018 tennisplyr22:03 nguy44
0hInvest vs pay off student loan in 1 year period22:00 wbadbada 
48pAre we financially okay?08/17 takeabiteoflife21:59 Jebediah
8pVanguard vs. Fidelity??21:26 Doug00721:58 mhalley
12hP2P lending as a part of port folio06:00 Jimsad21:57 rascott
18nBroker Diversification08/08 Curny21:55 pin
59cHow to read (and retain)?08/18 kurious21:52 health teacher
14p529 beneficiary change09:35 tk514421:41 Spirit Rider
11hUsing TSP versus non-government funds in retirement09:04 cresive21:41 stan1
17tVanguard's "Bogle Site" gone? Hopefully just a glitch.14:21 nisiprius21:40 LadyGeek
58tMinimization of maximum regret: Supportive of balanced AAs for some long-term investors?08/17 willthrill8121:39 abc132
7hSafe retirement income now20:28 Leb412321:37 delamer
2h529s for kids already in and nearly in college16:45 jsaver21:35 shess
11cHiking in the PNW (Seattle) next weekend. What do I need?19:05 Bob Sacamano21:28 jello_nailer
114pAre you a "solo ager?"08/09 CULater21:27 visualguy
20tTotal market index fund and recency10:01 tc10121:26 tc101
11tMajor CEOs say shareholder value is no longer their main objective19:52 skor9921:22 LadyGeek
8pCapital One Breach: What to Do if SSN Compromised05:09 DarkHelmetII21:22 dcop
18pIs my advice to my cousin correct ?12:56 shell92121:22 delamer
43pClose on first home on Wednesday, might not take possession until 30 days... advice please08/17 JJP8821:17 NYCguy
3912cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt21:16 bertilak
0hAm I on the Right Track?21:14 stt816 
10pAny reason NOT to drop SGLI?08/12 Sophia188421:09 Cuervo_loco
10pMaryland Living Trust2016 PapaGeek21:07 LSLover
38tAsset location: bonds belong in taxable08/15 megli21:05 Ferdinand2014
11pMedicare Part B premium for 202002:20 Namashkar21:05 Namashkar
27hWash sale question02:17 chr21:02 chr
261cDoes it matter what type of college one goes to?2016 Five21:00 prudent
2hCOBRA and HSA questions17:55 HenryPorter20:58 dcop
32pWhat do you think about this Prosper loan to pay off car home Reno etc08/17 itsallaboutme20:57 sk2101
67tIf you think oil prices will drop where would you invest?08/10 misterno20:57 iamlucky13
31pPaying credit card "current balance" vs. "statement balance"12:32 Nyarlathotep20:41 bck63
5pEmployer made wrong 401k contributions to Roth 401k instead of After-Tax contribution16:43 tahoeatx1620:38 tahoeatx16
14pWould you pay points?15:42 9liner20:37 Carefreeap
14cReplacing brake pads in a Honda CRV 125,000 miles16:44 worthit20:37 whodidntante
4hFidelity REITs13:35 Justafamilydoc20:32 GT99
10tInteresting new factor exposure tool14:11 HippoSir20:32 Morse Code
37cPharmacist to Data Analyst Role08/15 RJC20:28 Dottie57
19pHow are you finding "no cost" refis?08/17 Texanbybirth20:26 whodidntante
29pDiscover cash back Credit Card - Interest charges10:59 jello_nailer20:22 Mlm
2n[wiki] Draft non-US 'Asking portfolio questions' template page16:44 TedSwippet20:20 andrew99999
7hVanguard 529 college savings account -- sit tight, change allocation?08/17 l3v3lq4rt20:12 Grt2bOutdoors
30cAnyonw driving Uber for fun and pocket money in retirement?12:33 flyingaway20:10 leeks
3pWould You Refinance Under the Following Circumstances16:33 harrad20:09 JBTX
40cHotel recommendation for Cambridge / Boston08/15 rjbraun20:09 malabargold
6cSedona and ________ trip In February with 3 and 5 year old19:30 BashDash20:05 DesertDiva
1cTrip to Costa Rica17:43 veena911119:58 TallBoy29er
3pWhich calculator/tool to use on mtgprofessor to compare rates?07:22 zrzhu11119:45 iceport
5pCredit card annual fee coming up - what to do?18:15 henra19:41 Dregob
1431tU.S. stocks continue to soar!08/27 GoldStar19:40 willthrill81
9pIncreasing extra mortgage payments later in the term worth it?11:11 wafflesngravy19:33 grabiner
2tA "Rule of thumb" variable withdrawal method16:35 Jacklh19:27 willthrill81
16pAdvice on quickly funding an irrevocable trust with IRA annuities08/18 ballons19:24 bayview
15pCheck the restrictions on the out-of-pocket maximum on your health insurance policy15:28 willthrill8119:23 willthrill81
261pRelationship mortgage discounts for moving a million assets05/08 softwaregeek19:23 softwaregeek
4hHelp with individual 401k math.08/15 Dunder Mifflin19:22 Dunder Mifflin
70tThe One-Fund Portfolio as a default suggestion08/12 longinvest19:21 bck63
146tRefinements to Hedgefundie's excellent approach07/05 Hydromod19:18 ocrtech
70cRecommendations for home paper shredder2017 Swansea19:17 PhilosophyAndre
5h23-Year-Old: Question About Portfolio17:32 markymark2119:13 boogiehead
32cRV purchase ?00:56 novemberrain19:13 Sandtrap
148cDo you buy new or used cars?2018 Hulk19:10 Starfish
47cNeighbor's FIOS cable running over my yard08/15 WaffleCone19:08 WhyNotUs
31tSimple-minded inspection of actual low-vol fund2018 nisiprius19:07 NMBob
84pMoving from Bay area, CA to Knoxville, TN08/18 lastklim19:04 Grogs
16pDistribution of estate to children08/18 defscott62719:01 Steady59
15hAdvice Requested: My Mom's Edward Jones Account07/22 k.a_thorne18:55 HomeStretch
100tGE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'08/15 PrettyCoolWorks18:55 HawkeyePierce
3hOpportunity Zone investments04/14 andy201218:55 MikeG62
9hBeneficiary IRA - RMD's02/13 Polarize18:53 Polarize
7hSelling losses to offset Gains17:29 Jerry5518:52 BL
170tCome over to the Liability Matchng portfolio side: the water is fine07/26 grok8718:50 grok87
19cFront load washer mold08/18 airahcaz18:50 airahcaz
33cPoll: Beater or Luxury car for long daily commute15:32 crossbow18:48 LadyGeek
6pApproach to career08/18 SeekingBogle18:46 SeekingBogle
3pIRMAA 3 years after life changing event14:53 Penton218:40 Retiredron
7hAt the cross roads, looking for wisdom & advice08/18 John Wayne18:39 John Wayne
8pHelp confirm the best mortgage options08/18 zrzhu11118:38 Student2
403tHEDGEFUNDIE's excellent adventure Part II: The next journey08/11 HEDGEFUNDIE18:30 rascott
18hKeep VWIUX (muni bonds) or switch to VBLTX (total bond)?08/15 ishkadetto18:30 grabiner
72pWhen to move into retirement08/15 NearlyRetired18:27 almostretired19
32cNew laptop advice08/18 Seasonal18:21 02nz
23hMinimal Cash and Bonds in Portfolio08/16 victor224418:14 victor2244
3tThirty Year TIPS Auction Thursday August 22 201913:34 #Cruncher18:11 grok87
10pamending tax form08/17 financenoob02118:04 kaneohe
13cLife Advice: deciding what you want to do.08/18 Piplup199617:57 PhilosophyAndre
9pReal Life Experience. Applying for Medicare08:50 TravelforFun17:39 TravelforFun
8pBiz Owners: Your Health Insurance Contributions?10:48 JiggyWillis17:33 CascadiaSoonish
14hAdvice regarding company call options set to expire soon...12:42 kabletown2117:22 not4me
10hChanges in my work's fund offerings. CITs?2018 macandal17:21 LongRoad
3pLooking for a computer coding mentor05:50 My Financial Jo17:16 Ecorp
9cIdea for a basic drawing book for granddaughter...13:41 Broken Man 199917:13 brandy
19cMoving to Houston08/15 siker17:11 simple man
0nEU-ITALY PORFOLIO REVIEW17:11 drex21 
41hInvest or pay off student loans?08/18 NoviceInvestor217:05 billfromct
2pPaying Business Debt vs Home Mortgage (tax adjusted?)10:56 hardrain17:01 hardrain
70c(Tall) Buyer Beware: Honda Accord.07/08 kjvmartin16:57 w33ps
106tTreasury 2-10 year yield curve has inverted!08/14 J G Bankerton16:55 jdb
7pHow late in life to buy long term disability at work?11:51 JediMisty16:49 JediMisty
427tI don't understand the case for EE bonds2017 sometimesinvest16:45 leftcoaster
32tWhy not invest in sector ETFs?08/16 AO316:28 Northern Flicke
26tBloomberg: U.S. Weighs Selling 50- and 100-Year Bonds08/17 stimulacra16:25 Valuethinker
4tIs the trade war turning into a currency war?14:57 garlandwhizzer16:16 latak215
8n[EU | Belgium] Specific bond taxation and general bond mechanics questions08/18 zarci16:07 BeBH65
3pLoan Program to use07:02 willyt2515:42 Golf maniac
7hGetting Married - Portfolio Optimization Questions08/18 oinkyboinky15:41 Mullins
53cBuying an older used car - any new/different ideas?08/16 dm20015:40 chw
13hTaxable brokerage accounts08/18 fdrm201915:32 ruralavalon
11hMy retirement plan is changing -- AGAIN!!13:04 macandal15:27 macandal
43pHCOL savings rates08/15 huai15:21 new2bogle
102cAmazon -- no longer the lowest prices, evidently08/07 catdude15:19 Mitchell777
28hInheritance/bulk sum/"pretirement08/16 Tahoe15:17 Tahoe
8hSIPC protection (or lack thereof?) for 401k accounts08/18 megaroth15:17 megaroth
11pRefinance out of the ARM? Are the fees worth it?08/18 veindoc15:15 veindoc
10nBroker similar to IBKR07:36 bubbasour15:13 assyadh
2tFinally appreciating diversification14:20 owenmia15:09 asif408
19hPaging Taylor Larimore one last time!08/16 misterbill41215:06 CyclingDuo
39pBuy the house or continue to rent?08/04 rosivel15:04 Golf maniac
16cFallen Tree clearing11:00 SlowMovingInves15:02 carolinaman
247pI really do not like using credit cards. Do any of you have a good credit score with no credit cards?05/13 iamblessed15:01 3-20Characters
5cIs it worth sealing half a fence?13:53 Socrates15:00 Sandtrap
6hMerrill Edge ETFs06:51 huai14:59 jakehefty17
419pSeeking comment on proposed revisions to Marginal Tax Rate and Traditional v. Roth wiki articles05/17 fyre4ce14:55 FiveK
216tLarry Swedroe: Small Value Stocks are Cheap08/13 willthrill8114:42 fennewaldaj
8hUnderstanding capital gains tax10:08 Zoey14:36 cherijoh
3hAA and duration of portfolio08/18 Regina0014:35 Phineas J. Whoo
127cAliens have captured my husband [wants to buy a Porsche]08/17 msrumphius14:27 DesertDiva
25pEmergency medical insurance (Helicopter transport, etc)08/09 new2bogle14:17 Arlington2019
9hTransfering of Lincoln Investment retirement account to Vanguard08/18 staticchair0414:12 staticchair04
3hPortfolio advice and Mega Backdoor Roth options05:04 juro13:58 juro
20cEthernet, MoCA, House Wiring08/18 rich12613:57 rj342
26pTransferring a house & tax issues08/17 rage_phish13:56 vtjon02
6pHelp with SS calculation12:14 theplayer1113:40 David Jay
5hPayflex HSA fees announcement2017 Nate7913:35 Edie
79pHow to define "HCOL" (high cost of living) areas?08/16 mptfan13:24 J G Bankerton
10hTreasury Bill Question2018 buffettgraham13:08 engineerbme
10hSaving for a new car09:58 asj199613:04 classicindexer
12hManaged fund vs index fund- will danoff.09:27 Dobie12:55 Snowjob
64cI wanted to teach myself computer programming.08/14 rai12:54 bampf
14n[EU-Belgium] Optimal portfolio to FIRE?07/31 ignition12:42 BeBH65
61tPast Performance08/17 Taylor Larimore12:40 Forester
59hDon’t put new money in market right now??08/17 Dobie12:04 ruralavalon
11tBalanced Index and Wellesley Admiral08/18 ScooterBob11:36 ScooterBob
15tThe W’s [Wellesley or Wellington] over a bond fund?08/18 Starchild11:34 matthewbarnhart
20nPortfolio assessment [UK]08/18 becky4711:30 TedSwippet
23pCollege senior son - how to pay loans best for credit score?08/16 rj34211:30 BigMoneyNoWhamm
332tA time to EVALUATE your jitters2011 nisiprius11:16 BlackDiamond
13hPrudential Premier Retirement B / HDI v3.0 Annuity08/18 robindbee11:07 nedsaid
61pGo for new job (more pay but travel) or stay?08/17 harrychan11:07 dknightd
84p50-60k boat purchase??07/05 TarHeel200211:07 mikemikemike
96tPersonal Flagship Representaive Going Away08/06 minesweep11:04 beyou
93cWoodstock2009 speedbump10111:03 dustinst22
12hnewish investor driving myself crazy picking a bond fund...06:03 cone77441310:59 CoastalWinds
8cTime to rewire, replumb. 30, 40, 50 years? Hot climate.23:19 msk10:59 curmudgeon
24tHow about an 856-year bond?08/18 nisiprius10:54 Valuethinker
66tConfused, bummed, and concerned08/14 typicalmillenia10:46 johnz1001
65lRichmond, VA Area Local Chapter2014 PocketChangePen10:40 bigbadbuff
10n[Wiki] NEW explanatory page on Simple Portfolios for non-US investors00:15 DJN10:40 DJN
12hBest money market rate for first 12 months?08/16 BlackDiamond10:28 BlackDiamond
12hSimple tax loss harvesting strategy08/17 gazelle199110:26 iceport
11pRisk associated with house value declining?07:35 B4Xt3r10:22 Admiral
34pAnother NFCU CD deal [Navy Federal Credit Union]07/08 friar161009:47 tfb
1374c[What TV Show Have You Recently Watched?]2016 dbCooperAir09:40 bengal22
16hReceived a 1 million windfall and what to do with it08/17 conradfloor09:36 Vanguard Fan 13
18cBest price/timing to buy 2019 Toyota Corolla Hatchback?08/17 Muri09:35 Tamarind
895lPost your Financial Milestone Announcements Here2018 Alex Frakt09:29 ruralavalon
41c10 Year Cost of Owning My CR-V08/16 Random Poster09:07 Random Poster
94hCan having wealthy parents be a justification for a more aggressive investment strategy?08/12 hp12see09:07 N1CKV
9hStock Goes to Zero - Capital Loss?08/17 D. B. Cooper09:03 D. B. Cooper
22cA week in Newfoundland, activites advise04/15 RW-Expat08:42 Alf 101
5hNot good options for bonds on 401k. Where to put them?08/18 SavingsMug08:37 ruralavalon
3nUK investment advice07:44 fdrm201908:06 Valuethinker
33pFinancial planning tools - MaxiFi, Fire Calc, etc?08/16 cognovimus08:01 SuzBanyan
316pSocial Security -- Take it at 62, 67 or 7007/31 MarkRLV07:59 smitcat
63hInterest rates low: leverage up?08/13 mikemikemike07:38 rascott
18cLuggage Tracker08/16 NavyIC307:35 SRenaeP
2tThree Fund Portfolio and alternatives during my Investing Lifetime08/18 silvercertifica07:34 anil686
14tMajor changes in VWOB (Vanguard Emerging Markets Govt Bond ETF) portfolio (almost no China)?07/03 jhfenton07:29 jhfenton
29cHow to save on international business class fares for family08/17 bogleraw07:27 SRenaeP
11nVWRD or SWRD for VT Ireland based equivalent? Accumulating or distributing?08/12 Vision07:17 bubbasour
60pMoving for better public schools?08/15 Dagwood07:05 OnceARunner
51tAny Bogleheads get involved in private equity?2014 kellyfj06:48 SlowMovingInves
13cRequest help with Orbi router setup08/15 EZ James06:29 flyingcows
9nNasdaq 100 choice08/18 freestyler06:06 BeBH65
70cBrown Bag Lunch Ideas08/15 doug102205:55 HawkeyePierce
13hVanguard Energy ETF (VDE) - Good Time to Jump In?08/15 Cornflakey05:30 Valuethinker
69pUse Vanguard MM Prime for cash rather than local bank?08/13 goshenBogle04:58 bayview
6hwhere to invest money in taxable account to use in 5 years2015 sergdman04:54 ivk5
15hExpat income and 401(k)2018 labishop03:57 Money Market
4hinvesting strategy08/18 reiternick02:41 mark39
63lNew Orange County, CA Local Chapter established2015 Clixt01:26 black
39hSingle-stock investing in taxable or Roth?08/16 middistancerunn00:30 SDLinguist
7tholding ISOs to LTCG08/14 NewMoneyMustBeS00:05 LegendaryRed
12hPortfolio OK but need advice about closing yearly income gap from age 66 to RMD time08/18 robindbee23:40 Dottie57
3hNeed portfolio re balancing/ investment recommendation08/18 assetalloc23:35 assetalloc
30hShould we buy bond mutual funds now?08/15 wmaxmusic22:59 unclescrooge

Subforum key:
h = Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
n = Non-US Investing
s = Spain
u = United Arab Emirates
c = Personal Consumer Issues
l = US Local Chapters
I = Non-US Local Chapters
f = Forum Issues and Administration

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