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
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| 1375 new posts and replies over 196 topics in last day (sorted by Latest Reply). Days: 1 2 3 |
| # Replies Subforum - Topic Title | First | Last |
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| Subforum - Topic | Last | |
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| 5 | p | Roth contribution limits for married filing separately | 13:41 | RustyShacklefor | 16:55 RustyShacklefor |
| 9 | t | Card/Account churning to prevent investment tinkering? | 00:44 | MotoTrojan | 16:55 MotoTrojan |
| 11 | c | What to do with >$1000 in Amazon credits? | 10:45 | cookymonster | 16:54 madpunster |
| 3 | t | 50 Stocks Enough to Diversify Idiosyncratic Risk? | 15:39 | Park | 16:54 Ron Scott |
| 15 | p | 2 rental car reservations? | 10:52 | JeanMich | 16:52 Nissanzx1 |
| 48 | c | When do you need a hearing aid | 09/25 | Rob5TCP | 16:50 brandy |
| 0 | h | How to tax loss harvest ETF lots with fractional shares? | 16:47 | am | |
| 5 | h | Time To Reinvest or Time to Hold Cash | 14:03 | dje4msu | 16:47 Dandy |
| 29 | p | Co-pay accumulators in new health plans | 10/19 | madbrain | 16:46 Turbo29 |
| 0 | p | USAA homeowner's insurance question | 16:46 | aaflygirl | |
| 6 | h | TLH help requested w/ Munis and International | 14:09 | vieques | 16:46 grabiner |
| 47 | p | 8 reasons why pensions are [good] | 09:20 | calmaniac | 16:44 bhsince87 |
| 34 | h | Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!) | 10/17 | NeedSomeAdvice | 16:44 retiredjg |
| 637 | p | How much money do you want to retire? | 2017 | benign_user | 16:43 BanquetBeer |
| 8 | h | Long Term Bonds for Young Retirement Investors | 08:52 | K2L | 16:43 megabad |
| 28 | c | Why are Carbon Offset Credits so cheap? | 10/20 | Cycle | 16:41 MindBogler |
| 5 | h | Dividend Growth Funds | 11:34 | milosz19 | 16:41 Elysium |
| 48 | t | "Retirement age uncertainty increases the savings needed for success" | 10/07 | AlohaJoe | 16:37 Ron Scott |
| 17 | p | Ally 1% bonus and cashing out muni fund | 21:53 | am | 16:36 indexfundfan |
| 50 | c | Why Purchase an Automobile using Premium Gasoline? | 12:28 | Nowizard | 16:36 vitaflo |
| 21 | h | “The Worst Kind of Bear Market” | 10/20 | ribonucleic | 16:35 aspirit |
| 16 | p | Stealing ID using only name and SSN | 06:23 | Carno | 16:34 MindBogler |
| 21 | t | PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide" | 10/20 | Taylor Larimore | 16:32 JustinR |
| 138 | c | Pull kids from school for vacations? | 10/20 | ThankYouJack | 16:31 gvsucavie03 |
| 22 | h | Late Start Retirement Investing -- Fund Advice | 10/20 | Catarino | 16:29 Catarino |
| 25 | t | Set it and forget it | 10/19 | Rick Ferri | 16:29 GoldenFinch |
| 42 | c | noisy generator | 10/19 | mouses | 16:28 Ron |
| 6 | p | Investing via LLC or S Corp - is there a self employment tax? | 12:30 | dimbmw | 16:26 zrail |
| 21 | p | Final Decision - Housing | 10/18 | MindTheGAAP | 16:25 MindTheGAAP |
| 4 | h | Transition old gifted stock shares to diversified portfolio while decreasing tax hit | 06:48 | dalbright | 16:24 sport |
| 13 | h | Municipal Money Market Fund | 17:41 | Jimsad | 16:20 Jimsad |
| 587 | c | My 2017 CRV is a victim of the dreaded oil gas-dilution issue | 03/14 | CULater | 16:16 daren12 |
| 42 | t | Are bonds the Maginot Line of Modern Investing? | 10/19 | betablocker | 16:16 GRP |
| 22 | t | Thoughts on 5 year TIPS bonds? | 10/19 | BlueEars | 16:13 BlueEars |
| 119 | t | Barron's Making the Case for Gold | 09/30 | hdas | 16:13 permport |
| 36 | h | My Edward Jones IRA is out performing my Vanguard 401K | 10/20 | CashedOut | 16:11 suemarkp |
| 52 | p | Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation? | 10/19 | tjhar | 16:11 MathIsMyWayr |
| 4 | h | Roth IRA Contribrution - am I stuck? | 08:30 | Iowa David | 16:10 Duckie |
| 19 | p | Credit card claim for rental car collision? | 10/20 | JeanMich | 16:09 Leesbro63 |
| 3 | h | Question on reallocating stocks to bonds | 12:59 | Closer2323 | 16:09 grabiner |
| 9 | c | Short trip to Orlando with my parents and children | 23:05 | beserker | 16:08 smitcat |
| 14 | h | Avoiding excess HSA contributions. | 23:23 | EdLaFave | 16:08 MrBeaver |
| 101 | t | Vanguard website problems [Transactions won't go through, 500 error...] | 10/10 | Dak52 | 16:08 grok87 |
| 205 | t | "Safe" Withdrawal Rate for Early Retirees (or any retiree) | 10/08 | Rowan Oak | 16:06 smitcat |
| 144 | p | Where would you go for financial guidance if you win the Megamillions? | 10/17 | CULater | 16:04 KlangFool |
| 4 | h | Rollover IRA Questions | 09:37 | bck63 | 16:03 bck63 |
| 44 | t | How do you trade ETFs exactly like mutual funds? | 10/19 | b0B | 16:03 b0B |
| 6 | h | Vanguard Money Market Fund Question | 09:33 | jeam3131 | 16:02 jeam3131 |
| 14 | p | Problem opening testamentary trust account at Ally | 10:47 | cruisefan | 16:01 cruisefan |
| 16 | c | No power in half the house | 05:41 | unclescrooge | 15:59 mrc |
| 6 | h | Should I TLH/reallocate and take advantage of current market? | 10/20 | SerenityBlue | 15:58 SerenityBlue |
| 12 | h | Robo or Self managed? | 17:08 | vss | 15:55 wootwoot |
| 12 | h | Mutual funds or ETFs in taxable accounts? | 10/19 | flyingaway | 15:54 grabiner |
| 4 | h | Investing a $1.5m windfall [Great Britain] | 10/20 | rivarama | 15:48 rivarama |
| 8 | t | US Large Cap Value - valuation? | 11:29 | ge1 | 15:45 ge1 |
| 23 | p | First RMD is due last day of year | 08:01 | praxis | 15:45 ResearchMed |
| 1193 | t | It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster! | 08/14 | HuckFinn | 15:43 Valuethinker |
| 1 | h | IRA cross over and custodian accounts | 23:05 | Beaumyster | 15:42 krow36 |
| 4 | c | How to open a sealed up fireplace? | 14:26 | knightrider | 15:41 123 |
| 3 | h | Backdoor Roth IRA for someone who maxes his 401K | 22:08 | BobaTeaGood | 15:38 suemarkp |
| 2 | p | Question about 2018 tax scenario--Roth conversion and capital gain in 2018 | 14:33 | beautifulsong | 15:37 kaneohe |
| 20 | h | Fidelity or Vanguard [Portfolio help requested] | 10/08 | 40Love | 15:33 LadyGeek |
| 9 | p | Hiring a Contract Worker | 2017 | andyandyandy | 15:28 LadyGeek |
| 4 | c | Help with reattaching a wooden door knob | 12:19 | hmw | 15:27 wageoghe |
| 252 | p | Ally Banking 1% extra back up to $1,000 on new money deposited | 10/15 | LSLover | 15:15 Tamales |
| 21 | p | [Starter Home] Sell it or Rent it out? | 10/20 | pepperz | 15:09 CedarWaxWing |
| 7 | h | 401K Fund Selection Advice Needed: New job, poor choices | 10/19 | PurpleLotus | 15:07 ExitStageLeft |
| 22 | t | Strengths/Weaknesses of Market Cap and Value Strategies | 05/26 | Park | 15:05 Park |
| 4 | h | Bond Funds High Tax Rate | 10/18 | MiamiHeat | 15:02 Dale_G |
| 6 | h | 401 K Advice | 11:36 | lookingforFIRE | 15:01 lookingforFIRE |
| 12 | h | Roth 403b Roth IRA questions | 10/02 | dknightd | 14:57 dknightd |
| 27 | p | Put more than 20% down on a house? | 10/20 | gadoc | 14:56 sergeant |
| 53 | c | TV recommendation for my father | 10/11 | fsrph | 14:47 TN_Boy |
| 8 | c | Globus Journeys - tour group | 09:43 | drzzzzz | 14:44 potto0213 |
| 5 | h | Assistance with adjusting portfolio for a US/UK citizen moving to the UK | 10/19 | gweb | 14:44 TedSwippet |
| 22 | t | Protecting large sums of cash. | 10/20 | airahcaz | 14:37 whodidntante |
| 113 | t | Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement | 09/28 | EnjoyIt | 14:37 visualguy |
| 7 | h | roth conversion and other income tax question | 22:02 | mathguy3021 | 14:33 Earl Lemongrab |
| 9 | h | Berkshire A Paper stock certificate | 12:14 | Lafder | 14:27 Lafder |
| 6 | p | Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage? | 08:15 | motorcyclesarec | 14:24 motorcyclesarec |
| 21 | h | Do Any Annuities Offer a "Free Lunch"? | 10/20 | joer1212 | 14:23 Earl Lemongrab |
| 3 | h | Wife Left Job - What Do I do with 403(b), 457(b), and Pension Contributions? | 11:45 | Messner8000 | 14:23 fulltilt |
| 8 | h | 401K and general asset allocation advice | 10/20 | jtav | 14:18 ruralavalon |
| 6 | p | Buying an apartment in China | 12:21 | Makane | 14:17 wabbajack |
| 12 | p | Yield curve impact on mortgages | 17:21 | 28fe6 | 14:12 unclescrooge |
| 14 | p | Help with Health Insurance for 2019 [PPO vs. HSA] | 10/19 | ForeverInvestor | 14:06 ForeverInvestor |
| 2 | h | Tax Loss Harvesting - VTSMX => VFIAX + VEXAX in 4:1 ratio? | 13:26 | m@ver1ck | 13:51 stan1 |
| 33 | c | Selling to CarMax if maintenance light is on? | 10/19 | Messner8000 | 13:33 earthlingsoft |
| 470 | t | 2-year CDs at Vanguard and Fidelity Today | 04/05 | Kevin M | 13:29 Happy2BeFree |
| 2 | h | Muni money market and national funds and taxes- basic question | 12:23 | am | 13:29 am |
| 0 | c | Cruise America RV rental experience? | 13:17 | JeanMich | |
| 86 | t | Total Bond Market Fund - interest rates rising! | 10/19 | HomerJ | 13:16 vineviz |
| 2 | t | Question about the book Bogleheads' Guide to Investing | 10/20 | frotec | 13:06 Mel Lindauer |
| 4 | p | Experian credit freeze | 07:51 | student | 12:58 student |
| 5 | t | Avoiding Wash Sale: FSTVX -> ITOT | 10/19 | dbk | 12:52 Earl Lemongrab |
| 1 | p | Best Large Deposit Banking Sign-up Deals with High Interest Rate | 12:46 | AlphaLess | 12:50 drk |
| 175 | t | Vanguard has switched to brokerage only accounts | 2017 | goshenBogle | 12:33 Doc |
| 107 | p | Depositing Cash if it was gifted? | 10/18 | LITeacher | 12:30 dm200 |
| 16 | h | Questions on CDs - FDIC | 08/22 | munemaker | 12:23 dm200 |
| 5 | p | Consumer Price Index and medication etc. Why TIPS? | 20:59 | typical.investo | 12:17 Phineas J. Whoo |
| 40 | t | DFA small value... acitve management? | 10/20 | privatefarmer | 12:14 packer16 |
| 20 | t | BOGLEHEADS 2018 VIDEOS | 10/07 | VELO724X | 12:12 Mel Lindauer |
| 4 | p | Health care prices in Wisconsin | 10/20 | ram | 12:07 ram |
| 245 | c | High End Wrist Watches (Gone Crazy) | 2016 | corn18 | 12:07 Turbo29 |
| 20 | p | Kitces link: The Spectrum of Financial Dependence and Independence | 04:58 | AtlasShrugged? | 12:06 RatherBeSailing |
| 43 | p | Should we downgrade our house? | 10/18 | fortysixandtwo | 12:06 Valuethinker |
| 9 | h | Management fees | 10/07 | cbarbogle | 12:05 cbarbogle |
| 5 | p | RatherBeSailing's Law of Home Maintenance Expenses | 11:21 | RatherBeSailing | 12:04 willthrill81 |
| 100 | h | Customer Service with Vanguard | 03/31 | LilyFleur | 12:03 fufgirl |
| 18 | p | Using Mint: Am I correct in having my security concerns allayed? | 09/03 | Counterpoint | 12:00 inbox788 |
| 57 | c | Credit card question - get Uber's new 4%er? | 03/13 | lazylarry | 12:00 need403bhelp |
| 10 | p | HELOC AS Emergency Fund | 08:02 | drdrgolf | 11:56 willthrill81 |
| 19 | p | Can you include this in a will? | 10/18 | PoppyA | 11:50 bsteiner |
| 3 | p | Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away? | 10:31 | crazygrow | 11:50 crazygrow |
| 2 | p | New Home Buying Docs | 11:23 | thefoggycity | 11:50 8foot7 |
| 16 | p | Waiving contingencies for co-op purchase? | 10/19 | Citygal | 11:49 windrose |
| 8 | h | What ETF to keep in a Merrill Edge account for Platinum Honors | 10/11 | AHumanInterest | 11:49 drk |
| 1 | c | 2019 Chrysler Pacifica Hybrid | 11:12 | tampaite | 11:48 cville |
| 28 | p | CA property tax > $10K, any options to deduct all? | 10/16 | a010z | 11:42 mrspock |
| 0 | t | Yet another “Medallion Sig Required” Question (In-kind Transfer) | 11:41 | 80125 | |
| 24 | p | Thank you from a widow | 09/21 | Mintee | 11:24 shell921 |
| 1 | h | Italian Expat - help with taxation | 10:00 | 8stef7 | 11:23 DJN |
| 4 | t | Is there a case for Active in fixed income? | 00:32 | hdas | 11:23 stlutz |
| 10 | h | Constructing a 100% equity diversified Factor portfolio | 10/19 | Daedalu5 | 11:14 ruralavalon |
| 3 | h | VTIVX for both 401k & Roth IRA? [Vanguard Target Retirement 2045] | 10/20 | roscoe67 | 11:09 ExitStageLeft |
| 6 | t | 'Qualified Opportunity Zones' - are they worthwhile? | 04/15 | bgoodwin0922 | 11:00 grabiner |
| 15 | c | Beer - Strong German Style Lagers | 18:26 | Atilla | 10:57 danielrhall |
| 4 | h | Asset allocation/investment (40ish Fed employee) | 10/20 | lighthouse1972 | 10:49 ExitStageLeft |
| 250 | p | Why pay cash for a car? | 11/12 | RDHlooking4FIRE | 10:44 willthrill81 |
| 102 | p | Long-term Care Insurance | 10/14 | willyd123 | 10:44 smitcat |
| 16 | p | Wife Roth IRA | 10/20 | BobaTeaGood | 10:35 indexonlyplease |
| 2 | h | Rebalance 401(k) and Roth | 22:59 | veritas et virt | 10:32 grabiner |
| 31 | t | Malkiel no longer endorses blind-folded monkeys, likes smart beta | 10/18 | tadamsmar | 10:23 tadamsmar |
| 1266 | t | The Final, Definitive Thread on Brokerage Transfer Bonuses | 2016 | Earl Lemongrab | 10:15 Agamede |
| 17 | c | Headlamp for dog walking | 22:20 | charley | 10:07 capitalG |
| 3 | t | POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX) | 10/20 | timmy | 10:07 jeffyscott |
| 128 | t | Help me understand dividends | 2016 | rbaldini | 10:04 FoolMeOnce |
| 6 | h | Best Investments for an HSA account using TD Ameritrade | 10/20 | beattheodds | 09:53 grabiner |
| 4 | p | Early retirement and use of ACA HDHP/HSA? | 20:39 | egghead | 09:48 curmudgeon |
| 6 | h | Weighing mid-career break and pension decision | 09/18 | AmericaninParis | 09:36 AmericaninParis |
| 1 | h | Thoughts on moving law practice? | 10/20 | Odysseus | 09:34 GmanJeff |
| 10 | h | 529 Question - reversing a superfund in the same calendar year? | 10/20 | grkmec | 09:27 RickBoglehead |
| 198 | t | Allan Roth doesn't like single premium annuities | 10/05 | CULater | 09:06 longinvest |
| 29 | p | AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed | 10/20 | xerxes101 | 09:04 shell921 |
| 79 | l | Tampa Bay Local Bogleheads Chapter | 2015 | tampaite | 08:55 tampaite |
| 15 | h | Am I doing it right? | 17:03 | tin369 | 08:39 HEDGEFUNDIE |
| 31 | p | Travelers Checks | 10/20 | sport | 08:19 Doom&Gloom |
| 12 | c | Recently made a separate account used for spending on fun, entertainment, and things I wouldn’t normally buy | 02:30 | GrayS26 | 08:13 midareff |
| 10 | t | Fidelity and Blackrock employees sue over 401k plans | 10/20 | inbox788 | 08:07 student |
| 27 | t | Too Much APPL Stock | 10/17 | Duffydog1 | 08:05 BL |
| 7 | h | Taxable Account investing help - portfolio included | 10/20 | AMRose | 07:58 goingup |
| 3 | h | New retirement investor seeking advice... | 20:44 | Portfolio43 | 07:52 Dandy |
| 4 | p | is it better to switch houses in a market downturn? | 22:25 | stranger198 | 07:50 Ron Scott |
| 30 | h | Finally ready to start investing in RothIRA (23yrs old) | 10/16 | ynotyese.7 | 07:09 BL |
| 6 | h | Need to simplify portfolio | 10/20 | bnspired | 05:36 bnspired |
| 23 | t | 20 yr review of Mel's Unloved Midcaps | 2015 | Robert T | 04:40 ignition |
| 36 | p | Has anyone taken out an online mortgage? | 08/07 | CULater | 03:17 4nursebee |
| 138 | c | Should we move to San Diego from east coast? | 10/14 | tin369 | 03:06 ssquared87 |
| 3 | t | How to take advantage of student loan 401(k) rules | 10/20 | Tabulator | 02:27 texasdiver |
| 4 | h | Help! Detailed Asset Allocation Excel Calculator?? | 10/20 | Sophia1884 | 00:32 krow36 |
| 52 | c | Cross-country trip via Amtrak | 10/17 | catdude | 00:30 rockonhumblepie |
| 18 | h | Investing During Retirement | 10/16 | Helpmebogle | 23:34 celia |
| 131 | p | Should I keep my financial advisor | 09/05 | tommy85 | 23:32 dwyatt49 |
| 3 | h | Getting rid of legacy annuity? | 10/20 | siamond | 23:17 Dale_G |
| 72 | t | Do Advisers Add $$$ Value? | 06/30 | Rick Ferri | 23:14 dwyatt49 |
| 56 | c | Don't pay full price for SiriusXM radio | 2016 | catdude | 22:03 Toons |
| 3761 | c | What Movie Have You Recently Watched? | 2014 | abuss368 | 21:53 jginseattle |
| 13 | p | Received strange letter from IRS | 17:44 | Hayden | 21:32 unclescrooge |
| 39 | c | Lost Power for 24 hours - what food to toss? | 10/12 | ThankYouJack | 21:01 willthrill81 |
| 5 | c | Chase Sapphire Reserve -points for family ? | 10/20 | andyandyandy | 20:59 andyandyandy |
| 11 | h | self-directed solo 401 k using Vanguard pooled account, etc. | 06/01 | sophiainvests | 20:59 Rayfinder |
| 59 | c | DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other? | 09/20 | Saving$ | 20:49 seawolf21 |
| 33 | h | Critique my High-Risk Factor Portfolio | 09/15 | Wataru | 20:39 Wataru |
| 10 | h | Retirement options? | 10/16 | The-Stig | 20:34 FiveK |
| 4 | h | New early retiree, looking to start this off correctly | 10/20 | tntopspin | 20:31 btenny |
| 44 | c | Lufthansa Premium Economy | 2017 | frugalecon | 20:26 02nz |
| 24 | h | Fiduciary using funds with a front load? | 10/18 | GutCheck | 20:24 AlphaLess |
| 33 | t | The End of Indexing? | 10/19 | AgentOrange | 19:46 venkman |
| 51 | h | What if your risk tolerance is lower than what's best for your portfolio? | 10/18 | Happy2BeFree | 19:43 Happy2BeFree |
| 1 | c | Anyone else frequent Solidworks? | 18:21 | Keepcalm | 19:41 Shadetreeinproc |
| 39 | c | Tesla Model 3 Owners: Your experience so far | 09/05 | InvestoGuy | 19:37 PinZabu |
| 4 | h | VTINX - VG target Retirement Income fund question | 10/20 | mnmac1 | 19:23 mnmac1 |
| 42 | t | Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond] | 09/20 | Oak&Elm | 19:22 ps56k |
| 14 | h | Is my IRA underperforming? | 10/18 | MakingBacon | 18:40 ExitStageLeft |
| 93 | p | What do you consider 'enough'? | 10/16 | intangiblemoney | 18:25 AerialWombat |
| 19 | c | Fairmark Forum (Tax Forum) | 10/19 | Goodman60 | 18:16 tomd37 |
| 5 | h | Deferred compensation purchases: No effect on TLH? | 10/20 | TierArtz | 18:14 TierArtz |
| 4 | t | Is it "naive" to just use Boglehead philosophies with extremely large amounts of money? | 17:55 | ginmqi | 18:08 LadyGeek |
| 38 | l | metro Denver Bogleheads? | 2017 | BsmartSM | 17:59 BolderBoy |
| 94 | t | Sharonview FCU 64 month CD - 4% | 03/02 | EvelynTroy | 17:41 nalor511 |
| 6 | h | Backdoor Roth Completed, but ??? | 10/20 | bruingent | 17:30 retiredjg |
| 107 | l | Roll Call for the Retirement Class of 2019! | 04/18 | Miriam2 | 17:28 Miriam2 |
| 12 | l | Minnesota BH Fall Main Meeting 10/27/18 | 09/10 | Fallible | 17:25 Peter Foley |
| 12 | h | Learning about all this financial stuff | 10/19 | Widdy34pa | 17:09 arcticpineapple |
| 16 | h | Please help me simplify my Portfolio | 07/21 | bbwolf | 17:09 retiredjg |
| 31 | t | Why dismiss sectors? | 10/18 | milosz19 | 16:57 nisiprius |
Subforum key:
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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