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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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1516 new posts and replies over 218 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
93cAmazon Prime Big Deal Days10/09 vnatale20:45 vnatale
34cWhat to do with your journal?08/28 theac20:45 rule of law guy
17pOffering Advice to young adult kids16:52 Katoswims20:45 bltn
10hWhat is actual gain/loss on my 401k account?19:49 dips20:44 rkhusky
554pImproving the TSP [for current participants]2014 MichDad20:44 stan1
174tBengen: "There is no guidance for SWR for those retiring today"10/09 RationalWalk20:43 ramram22
5p1031 Exchange - What is IRS defnition of "Personal use should not exceed the greater of either 14 days per year"21:28 Naturelover20:42 Naturelover
1hAdvice on Preferred Stocks / Bonds15:01 rbhgncmp20:41 mhalley
4hHow much diversification is neccesary?18:45 bigdreamsfire20:40 Beensabu
5h529 questions in VA13:43 andyandyandy20:40 Dan-in-Virginia
1736tNow that long TIPS have pushed past 2.50% I will…2022 McQ20:40 Oliver
27pTOD / POD accounts - Fidelity's account transfer process10/04 LadyGeek20:39 fsrph
3cRecommended rechargeable batteries?18:53 PeninsulaPerson20:38 Wabbit
7pInsurance Premium Shock16:27 jeffreys20:36 Beensabu
21hBonds approaching retirement21:51 Round20:36 Round
4892cWhat are you listening to now2020 Artful Dodger20:35 Nicolas
0c1-year stay in Spain/Schengen area20:33 TheGreyingDuke 
7119cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt20:33 rule of law guy
0hTIPS - Help with plan?20:32 m@ver1ck 
1pWeird muni bond tax issue19:09 psteinx20:32 txgolfer_19
13tAn ETF Proposal for the 4% Rule - Allan Roth10/10 Rowan Oak20:31 sycamore
0hFiduciary advisor recommending against TIPS ladder20:30 mcgarrett 
4pCalculating "break even" point on a condo sale?10/10 catnapper20:29 LittleMaggieMae
38pMedicare A,B,C, D and Medigap ...06:51 J29520:28 cashmoney
10hDeceptive paper $ losses for bonds held to maturity14:48 JayB20:27 rule of law guy
89tMy Dream Annuity by Nathan Dutzmann10/05 bobcat220:26 JoMoney
124tTxAggie's Avantis Adventure2022 txaggie20:26 Capster1
4tVanguard -- "Are Bonds a Good Investment Right Now?09:42 Taylor Larimore20:25 PinotGris
18hDiving into My First Portfolio Review: Co-op Considerations, Asset Allocation, and Retirement Goals08/20 hova20:16 Taylor Larimore
29hRetirement Anxiety w/ Vanguard 50:50 Bond allocation10/10 Bobcat$20:16 rule of law guy
5hRequest Help With Portfolio During Slow-Go Years10/10 glk5420:15 glk54
10cCalling Safety Professionals & Head Injury Specialists: Pickleball Helmet Recommendations?10/09 Cruise20:15 Parkinglotracer
22pLong Term Care insurance opinion10/10 Norbury6720:12 Rex66
13cFall Colors (2023) in New England22:14 teaman20:11 veggivet
31cTrail Shoes and Winter Boots for wide forefoot/narrow heel?11/26 LaurenRose20:09 livesoft
4cVacuum Sealing Food19:32 LaurenRose20:06 JDave
43cSim Card for Use in Another Country10/05 OpenMinded120:05 barnaby444
28pHow to find attorney for basic will/trust/etc10/10 guitarguy20:05 legalwriter1
1hTIPS ladder to bridge to social security (and beyond)19:13 trirod20:04 Svensk Anga
7hNeed to sell from taxable - cost basis?14:38 BearShark19:59 BearShark
94tWhat's Your Funded Ratio?07/04 Horton19:58 Ben Mathew
32cRemodeling - what's worth it and what isn't?20:55 michaeljc7019:54 michaeljc70
46c"What did you do today that was a good value" ... recently or fondly remembered10/08 PeninsulaPerson19:53 PinotGris
31hHave you increased bond allocation lately?13:11 Hector19:46 Grogs
34tHigh Yield Term Bond Ladder Crazy or Genius ?10/10 philooo19:46 philooo
14066tHEDGEFUNDIE's excellent adventure Part II: The next journey2019 HEDGEFUNDIE19:43 bgf
20pLayoff Scenario – Best Health Insurance Option?04/20 koalb19:43 the_wiki
3660cWhat frugal thing did you do today?2017 Nectarineman19:38 michaeljc70
2hTIPS ladder assembly order?10/08 ObiQuiet19:37 Prokofiev
68cPodcast Recommendations?2021 alex12371119:36 barnaby444
1275tVanguard Customer Service Mega-thread2021 PinotGris19:34 anagram
129cConsidering Tesla model y long range, what do I need to know?10/01 tommy8519:34 cmr79
2pno Foreign Tax Credit on California state taxes?18:36 semperlux19:32 semperlux
35hAre mutual funds better for IRAs due to RMDs?10/09 NYCaviator19:32 GaryA505
19pSelling son's house if he abandons it10/10 RationalWalk19:27 Lee_WSP
47hHow to determine personal contribution amount for Roth IRA?01/28 coreman7319:26 retiredjg
283tNew tool for building a TIPS ladder01/07 kaesler19:26 Harry Livermore
10hBuying STRIPS [Why are there different names for them?]10/09 Tipster194719:26 Walkure
23cPlanning a 14-day honeymoon trip to Italy: Any tips/suggestions?10/10 RJ198219:24 AnnetteLouisan
11pRoth Conversion Question11:45 Dufus19:17 FiveK
17pMortgage questions on new house10/10 ebishop1319:13 WhiteMaxima
143pIs AAA membership worth it?2022 4nursebee19:11 nisiprius
15pRear-ended, minimal(?) damage, should I file police report / insurance claim?14:05 gwu1119:07 moneyflowin
5413c[What TV Show Have You Recently Watched?]2016 dbCooperAir19:04 Chv396
6489tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab19:02 placeholder
3hPortfolio Review14:07 BBailey19:02 BBailey
11hNeed help please with SPIA10/08 summerof4218:58 Stinky
190pDo you regret spending money on your wedding?03/12 CtrlF18:55 faanger101
13pMortgage paid off, questions on documents I need to keep10/10 boglemtgt18:54 lthenderson
59cFlat tires while on road trip10/10 gavinsiu18:54 TravelforFun
6hQuestion about life insurance illustrations09/28 Kelly18:53 Stinky
2hVanguard Tax managed balance fund adm.18:38 HealingOil18:52 retired@50
46cMesh WiFi Speeds09/03 eddot9818:50 mdavis6890
5tMutual Fund Dividends and Cap Gain dist. ?14:08 MYINVEST18:49 increment
13pPay Federal Tax via Credit Card ? Anyone ?10/08 grtwallchina7518:48 rustlers
13pIs a HELOC the best way to fund my "side hustle"?20:52 Remote4018:47 mdavis6890
6cBest phone around $400? (Samsung S or Google Pixel)16:45 huzaing18:40 dukeblue219
68tWhat's the Most Boglehead Bond Option?07/18 Kinkajou8218:38 Random Musings
17hBonds Again!14:25 artbuc18:37 dbr
0cAnyone make their own hop water (fake beer)?18:23 ThankYouJack 
30cSUV recommendations for our 2nd car07:22 ThankYouJack18:17 h82goslw
306pWhere do you bank and why? 2023 Edition02/26 holeintheairmat18:14 manlymatt83
17pLife, Disability, Umbrella Insurance - Need Insights07/26 mander7518:11 Chardo
30hMoney Market/Cash is King?10/09 PhinanceMD18:11 hudson
25pBorrow on Heloc at 1.99%?10/07 Pokerfacekid18:02 protagonist
2pTuition remissions and 529 plan withdrawals14:59 cyclist18:01 toddthebod
32cSynthroid Pricing Mystery10/07 TJH_1000317:54 LadyGeek
11hWhat duration is an iBond?12:29 dcarste17:52 zie
4cVisiting India - shopping tips11:51 prettybogle17:52 TheOscarGuy
2080tVariable Percentage Withdrawal (VPW)2013 longinvest17:49 longinvest
13hHelp me understand schwab's "settled funds" balance12:31 HH202217:40 tonyclifton
5hToo Many Treasuries?10/09 JEK17:39 JEK
13cStandby generator 22KW(LP)11:37 mtmingus17:32 TheTimeLord
18cExperiences of buying used Teslas from Tesla themselves?10/01 Toboso_Boy17:20 StevieG72
19ctree trimming service09:49 shell92117:09 barnaclebob
45pEstate and Wills Question10/09 frankle117:04 bsteiner
6pLine of Credit - Credit Score05:19 Mr. Rumples17:00 Impatience
2pBarclays - someone logged in my account and changed phone number13:54 mander7516:58 gotoparks
329hRetiring in 6 months (off TSLA options); Plan Review; 11/22 Update - Ain't Pretty2021 roguewarrior016:57 roguewarrior0
2hInternational Bond Index YTM data wrong on Vanguard? - Help13:11 dcarste16:50 typical.investo
19hLooking for a Equal Weight Fund in Vanguard2021 Stillwater197116:49 TheRoundHeadedK
4hHelp with Bonds and where to put them12:39 GoBills8316:30 retiredjg
2hMuncipal Bonds questions14:05 andyandyandy16:23 alex_686
4pNon-qualified deferred compensation plan / bankruptcy06/27 growlers16:22 HomeStretch
10hPortfolio Review/Taxable Account Advice10/07 knopflergrass16:18 Duckie
31tMoney Markets Can Replace All Fixed Income - Bengen10/10 CraigTester16:15 OuterBanks
9hPortfolio Review - looking for advice and suggestions!10/09 mrsmith16:05 dratkinson
5hDealing with existing tIRA - Plan to go Backdoor ROTH10/10 billyboy5116:03 retiredjg
0hcalculating IRR of SPIA with COLA16:03 newtoseattle 
4hT-Bills through Treasury Direct10:02 RKG15:57 GuySmiley
1tCan't get "Balances Compared to Year End" to show correct values14:25 RockawayRay15:47 Silk McCue
13tdoubts on avoiding on bid-ask spread cost2020 investing engin15:39 Taxman0042
1pMedical expense help15:14 cppoly15:36 Silk McCue
6tselling mutual funds in IRA/rebalancing14:02 longlife24515:29 longlife245
19cItalian Citizenship by Ancestor10/05 dan780015:29 EddyB
17tRetirement Spending: Revolutionize Your Thinking Retirees are thinking differently -- T. Rowe Price10/10 2pedals15:10 Johm221122
6pErroneous 1099-R?10:53 JeuneCracoucas15:03 livesoft
8pTax Help - SPAXX vs FZDXX vs FDLXX10/10 shelterinplace15:01 shelterinplace
589tTaxation of Treasury bills, notes and bonds11/15 Kevin M14:48 Artsdoctor
5hETF equivalent of FNCMX09/28 chuckwalla14:43 zie
8pHelp me pay down debt with house sale proceeds10/09 SCSurf14:36 FiveK
30hConsidering switching to unhedged international bonds2020 cedar714:34 nisiprius
13hSynchrony Online Savings Account New Limits08/08 Bimmer14:30 LuckyInLife
413tWhat ratio are you stocks/bonds and how old are you?2015 tc10114:21 beernutz
26tToday the bond market was closed, so why ...?10/09 OverseasBH14:21 alex_686
329cFree in-home Covid test Kits2022 KlangFool14:20 quantAndHold
50cFeasible to fly with 2.5 and 1.5 year olds?10/10 huzaing14:19 huzaing
18hRe-allocating after canceling Vanguard PAS10/08 2BRetiredsn14:16 Northern Flicke
764tThe One-Fund Portfolio as a default suggestion2019 longinvest14:02 bbrock
15hMy HSA investments of $58,000 disappeared during a transfer2020 silverskates13:56 quantAndHold
11hVFMXX pays 0.55% more than SPAXX?09:58 jnw13:55 billaster
8pRecommendation, Please, Caregiving Service for Mom, Collin County, Texas10:26 JonRon13:53 JonRon
2cHas anyone heard of AutoPay?06:31 RobLyons13:51 SmileyFace
15pExecutor question11:31 Augustivus13:47 pshonore
11hIs there a way to do RMD on a TIAA inherited account on their website?10/06 gavinsiu13:45 gavinsiu
216cCan't log on [to Vanguard website]2020 space needle13:41 drizzleray
5hREIT funds12:02 tsturbo13:35 Johm221122
6843pWhat's Your Credit Card Rewards Strategy?2016 guitarguy13:11 WestCoastPhan
9pChanging my will?10/10 IsabellaH55513:03 lthenderson
16hIs it time to get out of TIAA Real Estate (QREARX)?2022 matt9007712:58 greenspam
19hSelling Total Bond Fund in taxable account to Buy More CA Munis — Tax questions08/11 Sabot12:55 Sabot
3pVanguard deposit and brokerage transfer:09:04 Nowizard12:54 Nowizard
5168pFidelity as a one stop shop2018 BogleMelon12:46 mander75
25pCalling on smart users of New Retirement and other software planners06/15 Bennie12:26 mouth
223cTesla savings vs used ICE cars09/16 jplee312:25 jplee3
30tLeverage on an index10/10 settlement1212:17 Iknownothing2
76pPulling the Early Retirement Trigger - 39M and Worrier by Nature10/07 maninthebox278412:08 Nathan Drake
34pCareer/education mentoring/counseling for a young engineer10/05 psteinx12:07 TexasPE
6h1st year Roth IRA investing09:32 Soloist12:02 retiredjg
4tWhat is ONE TOP NEW THING you learnt from “Bogleheads Guide to Retirement Planning” book?10/10 mander7511:59 White Coat Inve
3hInterpreting TIPS bought on secondary market11:39 markgardner11:54 cas
104tIn appreciation of dividends09/27 OverseasBH11:43 GaryA505
16pCharitable IRA distribution10/10 krafty8111:37 CAsage
19p19 yr old son, not living at home, do I really need to put him on my Auto Insurance?10/09 Hogan77311:30 Pdxnative
10hWhy BND or VGSH is down but treasuries have record high yields00:32 mander7511:26 toddthebod
21pMerrill Edge - sweep fund, transfer times, and BoA checking?10/04 MCST11:25 ronako
19cCarbonated Water At Home10/08 LaurenRose11:18 MrBobcat
25cMEXICO City Trip for 4 days08/13 grtwallchina7511:09 LuckBeALady
3hcost per share Vanguard06:04 loklav11:08 loklav
5929pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly10:57 tj
176pBank of America promo: extra 2%/2x credit card rewards [Updated later in thread for Nov 9, 2023]10/22 sycamore10:56 Hyperchicken
20pHow would you evaluate this home buyout?09/03 Julieta710:53 Julieta7
0hPortfolio Checkup10:47 peterwantstosav 
19cCollege Applications: SAT scores optional10/08 zeldak10:47 Alfonsia
1291cPC Build Thread - 2020... and beyond!!!2020 Independent Geo10:43 lazydavid
15nRetired Dutchie considering moving to Thailand10/08 YRT7010:42 YRT70
4hBest option for fixed income portion of portfolio in light of today's high interest rates08:32 alan447310:41 Johm221122
90tIT’S TIME: REGISTER FOR THE 2023 BOGLEHEADS CONFERENCE04/12 Bogle Center10:37 LadyGeek
59nRussian Stocks Locked Since War08/10 Rubicon7710:33 Rubicon77
46tRoth Conversion & Down Markets10/03 markgardner10:28 8301
24tUS Treasury 30Y bond to offset mortgage interest10/04 keith601410:20 Lyrrad
0pTools for strategizing tax-efficient with net-return considerations for inherited IRA distributions?10:20 PlsFixThx 
108tAt what point does BND become attractive?10/07 Yesterdaysnews10:15 patrick
10pOn Line Loan Calculator - Where I Can Add 4 Categories Of My Own Choosing03:00 matthewmatt10:04 Supergrover
122tDirect Indexing Adventure03/17 loghound09:57 tj
691pPrimer on Paying Taxes With a Credit Card2019 whodidntante09:21 deltaneutral83
36cLong-haul travel in economy (United Airlines)10/10 RJ198209:18 Colorado Guy
57pHow flexible is your annual spending really?10/10 TipsQuestions08:55 dbr
42pBoss wants to pay me more! How should I respond?10/06 OmniaProPatria08:54 scophreak
2nHelp-Switching ETF frm US to Irish domiciled ETF10/10 Supernova028408:53 Supernova0284
16hAdvice on preparing to FIRE in next 1-2 years10/09 808surfboy08:52 unbiased
18pNo motivation at work or how do you push back to your boss / superior?22:31 mander7508:46 Glockenspiel
19pCP2000 IRS notice uncovered RSU sale10/07 Silly Wabbit08:37 Silly Wabbit
4hRanking Fixed Income Options Safest-to-Least?22:12 lhwerdyt*1791c08:34 dbr
22cKia EV6 lease to get $7,500 tax credit - Not understanding06/15 CloseEnough08:08 kiddhan625
2hCalculator for tax efficient asset location?07:10 guppyguy08:06 livesoft
17pForm 8889 - HSA Contributions10/09 Sasha08:06 Sasha
17pSimplification for banking and credit cards: Chase/JPM or BoA/Merrill, or keep Amex?10/10 MCST07:54 MorgansRun
286hBond Funds Here on Out10/08 windaar07:47 LadyGeek
11tIf dividend irrelevance is true, then why did ...?01:00 OverseasBH07:33 steadyosmosis
68hWash sale - any way to save permant loss10/06 ashg07:18 rkhusky
74cCar Buying: What's the "smart default" for a Boglehead?10/08 LazyFinanceJunk06:43 RobLyons
5pWarning about lousy experience with banking.lendingclub.com10/10 telecaster06:42 TwstdSista
17pFIREd - Smartest way to spend a large portion (or all) of my time in Italy?10/09 tph09006:40 EddyB
1hHow to calculate options contract future value06:03 danerose06:10 LadyGeek
82hThoughts on generating passive income from $500k?10/07 ig7706:02 LadyGeek
2hFeds: how to fix a TSP issue? Thriftline has been useless21:00 MamaLlama05:17 KellyT
4nThree Fund Portfolio in the UK confusion (US Stocks + Bonds)10/10 eric300105:11 Valuethinker
14ptaxes on repayment of income overpayment10/09 dred pirate04:52 dred pirate
5hPortfolio Review and Recent Home Sale10/10 Refold510703:19 HomeStretch
13tDoes bond fund goal is still to reduce the risk?10/09 BogleMelon00:27 hoofaman
269lRoll Call for the Retirement Class of 2023!2022 Miriam200:02 Miriam2
1982tWhy not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]2020 TeeDee23:43 Iknownothing2
3teasy way to calculate approx monthly distribution MMF FDRXX10/09 advicenow23:40 Lyrrad
1hSmall Business 401K vs SIMPLE IRA10/10 Neophytenj23:22 Refold5107
19hWhere to invest $60K in cash now?10/09 booch22123:17 chassis
0hPortfolio Checkup - Pregnant with Twins23:12 longhaulinvesto 
21pAnother bonus with a crecit card: Citi AAdvantage10/06 international0022:39 grabiner
7hTSP immediate annuity rate10/09 JGM22:20 TheRoundHeadedK
26cTravelers: AirBnB/Vacation Rental or Hotel?10/07 NYCaviator22:11 eddot98
1pWhat type of insurances?10/10 Yvy22:06 mhalley
4cShould I upgrade iWatch SE 2020?10/10 mander7522:04 anoop
8cWestern Virginia suggestion (not West Va.)10/09 MP17321:50 Johnny Thinwall
19cHelp picking 2 computer monitors....10/10 atwnsw21:49 BolderBoy
83c07 Subaru Forester Misdiagnosed, Almost Junked at 68,000 Miles08/23 lhwerdyt*1791c21:31 lhwerdyt*1791c
7pTrust as IRA Benficiary10/10 MN Finance21:08 bsteiner
118l"Pre-Retirement/Early Retirement" Life Stage Virtual Chapter "Master Thread"2021 DFWBogleheads21:06 Miriam2
22ppre-med “fraternity”10/08 fastrock20:54 Big Dog

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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