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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

1663 new posts and replies over 232 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
25pAny tips on Foreigner buying a house in the US?04/29 newyorker10:56 Marseille07
17hAnyone else have problems w Vanguard website this week?04/29 barefootjan10:56 GettingComforta
45pHow Much Did You Budget for Travel in Retirement?16:02 PGR10:56 flyingaway
3hMost direct method for protecting home value10:45 gt4715b10:56 alex_686
143hWish I could quit Vanguard for poor customer service04/27 reisner10:55 reisner
223pWashington State Long Term Care Trust Act - 0.58% payroll tax - $36,500 lifetime maximum benefit02/16 Soon2BXProgramm10:55 LeftCoastIV
8pBeneficiary as Trustee04:06 restingonmylaur10:55 Lee_WSP
26cTips for Carrying Food in Hot Climate?06:39 Barefootgirl10:55 squirm
4cPrinter issue10:30 NewishBog10:55 02nz
20pWhat do you wish you knew before you retired you know now!12:45 MrCheapo10:52 BolderBoy
22hWhat is your favorite retirement calculator?11:22 scooter10110:49 Exchme
4pHSA for an Adult Child under family max contribution question.04/30 california_folk10:49 california_folk
51tDry powder strategy?05/28 Robot Monster10:48 Robot Monster
108cLexus or Tesla?03/07 steve32110:46 CPonzi
44tAre Actively Managed Bond Funds Worth a Look?04/29 LMK510:41 vineviz
2363lPost your Financial Milestone Announcements Here2017 VAslim1610:39 ruralavalon
3hSchwab SWTSX vs SWPPX09:45 edamenia010:38 ClaycordJCA
11hUse brokerage account to payoff mortgage to max 457 catch up ($39k/yr).04/27 fortfun10:37 Afty
6tStable Value Funds09:27 stuper110:37 cas
43tHigh value tax advantaged account questions05/01 bampf10:37 JoMoney
1762pMy LenderFi refinance is going well2020 abyan10:36 MrJedi
8cSt. Augustine, FL08:49 camden10:35 Raraculus
10pFirst Time Homeowner - Crazy to Buy Now?00:07 aggiesammy1810:34 F150HD
29tPractice vs theory in portfolio strategies11:31 Astones10:33 Astones
21hWould you retire?18:23 Hugh Prolly-Wri10:30 flyingaway
33cQuestions for New York Times Subscribers20:57 NW_Nutmegger10:30 DetroitRick
15cPour Over Coffee & Bean Grinders04/28 Barefootgirl10:30 Volando
21pUpdating Wills and Trust2018 Isabelle7710:29 Lee_WSP
6633cWhat Movie Have You Recently Watched?2014 abuss36810:24 av111
21tTarget Date Funds04/30 Taylor Larimore10:24 RadAudit
16cAdvice needed with Ashley Furniture22:11 weimfan10:23 Monsterflockste
1hpreferred stocks09:51 Thomas9310:21 retired@50
4hRoth Conversion- Additional Incentive04/30 pop7710:21 pop77
4clarge battery-operated fans10:00 Nyc1003610:20 livesoft
14tHow risky are bond funds?04/29 Buy_N_Hold10:18 RAchip
3cPort Townsend-Olympic Peninsula07:42 Allan10:18 Watty
1444tJack Bogle - Two Fund Portfolio2016 abuss36810:17 ruralavalon
5pSaving for large annual expense09:57 NabSh10:17 sport
7pQuestion for Insurance Professionals [Credit-score based premiums]04/30 chemocean10:16 chemocean
14pHow to handle when IRS wrongly adjusts 104004/30 nic345610:16 Katietsu
45pCan we afford a $1.3MM house?04/30 Neoseo130010:15 jharkin
43pHouse appraisal in insane market04/14 BarbBrooklyn10:09 av111
159pIs Being a Private Banking Client Worth it?2015 AndroAsc10:08 hachiko
308pWhat Were Your Regrets after Retiring? (serious question)04/21 catfish4808410:05 flyingaway
1130cBird watchers – what birds are you seeing?2020 JAZZISCOOL10:02 LadyGeek
11hOkay, NOW is the time to balance my portfolio04/30 TechieTechie10:00 pkcrafter
368p[Third stimulus payment - mega-thread]03/12 Flannelbeard09:59 TnHoo71
14cWhat is your high school graduate going to be doing?05/01 kleiner09:54 KlangFool
14tIs bond fund really an index fund?04/30 CABob09:52 alex_686
12pIRS Form 8606-IRA Recharacterization help04/27 LateFire09:51 LateFire
52hEliminating bonds?04/30 RobLyons09:51 ruralavalon
198hWhat does "won the game stop playing" mean in practice?04/18 MathWizard09:51 watchnerd
105tTesla exceeds expectations for Q104/26 MinnGuyInvestin09:47 nedsaid
221tfirst million [in your retirement portfolio]10/27 k198209:45 retire2022
51pChase Sapphire Pay Yourself Back08/09 Superleaf44409:45 anon_investor
19hBuying multiple properties in Midwest followed by 1031 exchange to buy a house in Bay area04/30 ThisJustIn09:44 av111
29t[Interactive Brokers margin account for IRA futures - holding T-Bills not allowed]12/31 guitar212man09:44 skierincolorado
1tMargin with Total bond vs LTT. What are the disadvantages?07:44 HolyGrill09:42 watchnerd
819tYear 2000 retirees using the '4% rule' - Where are they now?2018 willthrill8109:39 willthrill81
20cUSA Passport Question00:08 stuper109:36 Watty
21pHelp on Irrevocable Trust Tax Planning question04/29 sandramjet09:36 Lee_WSP
3cQuicken Membershiip Ending08:27 clemrick09:35 clemrick
147tRe-evaluating Total World Bond (BNDW)?02/19 watchnerd09:34 watchnerd
4485tSmall Cap Value heads Rejoice !!!2019 hdas09:33 MotoTrojan
12hFTBFX [Fidelity Total Bond]14:55 NostraHistoria09:32 Dave55
3540tWhat are you up YTD? [Year To Date]2014 InvestorNewb09:29 revhappy
6cAlly extended warranty worth it?06:45 stanthecaddy09:26 teCh0010
6hWhat about a little passive income in your younger years?05/01 MoneyMike8209:23 CyclingDuo
3hDraw Down Portfolio07:11 William2709:21 Island John
22sEffective tax rate on a $180k/yr retirement income for a US expat couple in Spain: 21 %?04/21 wineandplaya09:16 wineandplaya
11pVanguard Trust Services13:49 JD196709:13 RubyTuesday
66pMarried Filing Separately & A Roth IRA Mistake04/28 orygunboxer09:11 ipdiddly
27hBond Portfolio ideas04/30 DesertInvestor09:11 drumboy256
3hHSA and California move21:58 seeker2409:03 anon_investor
307tBill Sharpe's preferred portfolio2017 Quark09:01 watchnerd
54pThinking about parking $30k with Morgan Stanley for a free Amex Plat Card06/19 MikeZ09:01 afan
12n[UK] Moving from accumulation to preparing for withdrawals12:55 maloflora09:00 tre3sori
0hDefined Benefit Plan at small company08:58 Fictionme 
11cProperty Tax Protest: DYI vs. Company05/01 creant08:57 sport
8tBerkshire Shareholders Meeting Today05/01 Ralph Furley08:54 oldzey
2834c[What TV Show Have You Recently Watched?]2016 dbCooperAir08:50 heartwood
32tCan't Login to Vanguard04/24 xenial08:46 Cheez-It Guy
37hConsolidating all investments at Fidelity12/07 exigent08:43 lilyneil
37pWhat is the maximum amount I should spend on financial gambling?10/12 ebaron08:41 JonnyDVM
5hFidelity total stock market fund for brokerage account11:08 ACJC08:39 obafgkm
0tJeff Ptak of Morningstar is our "Bogleheads on Investing" podcast guest for a deep look into the active v passive debate08:33 Rick Ferri 
45pWhat control over a trustee do you expect?04/29 restingonmylaur08:29 Broken Man 1999
12hMidterm Taxable16:32 eyemgh08:28 KlangFool
127hAny experience with Toyota Income Driver Notes?02/14 grayparrot08:23 Stinky
3pDid Anyone's Umbrella Premium Go Down ?05/01 Fillmore08:14 Soon2BXProgramm
5hFiCalc vs Fidelity retirement calculator19:15 Jeff T07:49 David Jay
0hIRS NOT Letting me buy $5k additional ibonds with refund (2nd Year in a row)07:45 mfFrom35k 
3hSchwab fixed allocation mutual fund?11:50 guppyguy07:42 Iorek
30cUpdated Honda Civic model (11th Generation)04/29 MortgageOnBlack07:35 acegolfer
45cQuestions for Wall Street Journal Subscribers04/30 NW_Nutmegger07:34 RJC
7tWhat is considered a “high fee’s” in a 401k?11:41 Jesteroftheswam07:32 ClevrChico
80c2019 Porsche Macan Excessive Tire Noise: Options?04/06 Van07:30 3feetpete
87tBill Maher on Cryptocurrency14:44 El Greco07:29 LadyGeek
27cOnline store suggestions for progressive lenses?04/27 AbsoluteZero07:28 acegolfer
12hHow to transition my portfolio towards a more efficient portfolio?04/29 steamer07:27 steamer
5tIs my ADR investment safe if the depositary bank collapses?19:04 ebaron07:26 alex_686
3217tThe Three-Fund Portfolio2012 Taylor Larimore07:26 LadyGeek
15tAn introduction to certainty equivalents04/30 gordoni207:24 HootingSloth
12cManaging Apple ID's04/29 cork07:18 adestefan
78pSeeking Guidance for Tenant's claim for Damages04/29 mauwong07:10 LadyGeek
1hTaxation of missed RMD's / inherited IRA06:35 jefmafnl07:06 jefmafnl
7tWhy is no one discussing VTAPX?19:14 investorjon07:05 nisiprius
5hBond Fund09/30 William2706:59 William27
7tWhat is the relationship between a bond's YTM and CAGR?10/09 ebaron06:56 acegolfer
12pBackdoor Roth Tax Reporting Question04/26 brybogle06:53 devopscoder
1nVanguard USA ETF's: Ireland ETF equivalents (USD)22:22 Neuralgia06:17 TedSwippet
120pGEICO Umbrella: Significant Increase in Premium08/06 creant06:17 Osprey
0nCivil law country, how to handle cognitive degradation?05:54 Neus 
22pWhere to park money before buying car05/01 bumblebh05:50 Neus
8hTricky decision between 15 Yr v/s 30 Yr mortgage refi04/30 hustler05:30 hustler
15cnew leather couch - any recommendations04/26 TarHeel200204:56 onourway
266tProve Me Wrong: Cryptocurrencies are NOT good investments04/26 Cartographer02:59 HanSolo
18nVUSD vs. CSPX - which S&P 500 ETF is better?2016 RandomWalking02:51 Justfinance
30tChinese Bonds?04/30 Always passive02:49 Northern Flicke
174tWhat are your crypto holdings!12/04 Ramjet02:34 WildCat48
9pWhen to Take Retention Bonus19:04 lawilli502:13 politely
10280pRefinance Mega Thread2019 AZAttorney1101:53 AnnabEllie
59hIRA rollover problem. Please help04/22 Econberkeley01:03 Econberkeley
3tEd Yardeni SP500 Price Target22:14 klaus1400:51 stocknoob4111
188tTracking my ARK / Bitcoin - non-Boglehead portfolio01/18 MinnGuyInvestin00:11 langlands
4pAmerican Families Plan & Long-term capital gains22:05 perfin00:06 Flyer24
4pShould I cash out refi all 3 of my properties?18:47 wholeinone0423:44 wholeinone04
6hVTSAX vs. VTI16:27 eyemgh23:36 eyemgh
13pspend year in 2 different states: which gets cap gains taxes?04/29 feh23:28 hachiko
38hFriend's Father's Financial Advisor - 100% Bonds Last 10 Years04/30 ef1123:24 Independent Geo
3pHow to handle cash donation above-the-line deduction for Californai itemized deductions20:45 newacct23:19 calwatch
23cIRS tax return mail lost / identity theft?04/22 RJ201023:11 4runner818
6hShould I sell for a loss to offset gains?20:00 sociologydude7623:08 sociologydude76
29pHave Credit Card Limits Dropped?04/30 arthurdawg22:47 srt7
445tA time to EVALUATE your jitters2011 nisiprius22:35 moontower
188hIs it bad to have too much in a emergency fund12/13 Rankhorse22:29 anon_investor
43tIs the potential upside in munis worth the downside?04/17 ilan1h22:27 finite_differen
83pJob Exit Interview04/27 chris31922:25 uberdoc
17h[Fidelity Funds Advice]04/30 portfolio202122:20 averagedude
2hAny free Vanguard basic advisory services available anymore?18:14 investor_122:08 GerryL
1661cWhat are you listening to now2020 Artful Dodger21:50 Nicolas
4pCan we get tax deductions for Charitable Donations with Standard Deductions21:22 calvin11121:49 GerryL
21hTaxable Account - VTSAX vs. VTI07/06 Investor131921:34 anon3838
9hExceeding $58,000: Mega Backdoor vs. Employer Contribution15:59 Shaka21:33 anon_investor
20hJonathan Clements clarification04/26 BusterScruggs21:31 joetro29
0pEmployee contract signing bonus negotiation21:10 Smoke signals 
3pCondo Rental Problem (Florida)17:36 NoviceMD21:09 Wricha
13pEstate planning: Choosing guardians - friend or family member?16:43 bbrock20:39 Flyer24
4cPhoto Metadata05/01 creant20:32 oldcomputerguy
3hMinimizing taxes as a VC LP [Venture Capital Limited Partner]14:53 chikinn20:29 Huygens
7hWealthfront now allows you to adjust AA, wondering if I should?04/28 yairmarx20:12 yairmarx
25hInherited IRA Portfolio Review04/30 ops19:58 joetro29
149tVanguard Portfolio Watch has a new look [Calculations may be incorrect]04/07 livesoft19:45 bbrock
6hHarry Sit’s Advice-Only Financial Website Question18:53 Dfwbloke19:39 MishkaWorries
26tPodcast - Jack Brennan on Succeeding the Legendary John Bogle04/24 Stinky19:37 retired@50
169hHow are the "100% Stocks" people doing?2020 RPW2519:20 Lowlim
123pRMD coming.....04/24 Dave C.19:11 cowdogman
11hShould I roll my 401k into an IRA?04/30 DE1119:11 tomsense76
0tQuestion about Buffett's Owner Earnings formula19:03 Ben2094 
29tJack Brennan has a new book!04/19 abuss36818:53 retired@50
4pTraveling doc04/26 Eastcoaster21218:52 Eastcoaster212
15hDoes getting a W2 each year allow me to delay RMDs from 401K?05/01 tadamsmar18:40 Alan S.
13hKeep accounts outside of Vanguard05/01 masonstone18:25 anon_investor
6hTry to understand Vanguard VWEHX11:21 wayne1118:24 Oicuryy
7pCan We Afford $850k Retirement House Construction?16:41 PGR18:22 radiowave
13hSelf management of retirement funds04/30 rramaswa18:20 spencer99
89cHVAC replacement when experts disagree04/26 jco18:17 tibbitts
13pHow long should I keep this car loan?04/30 Ninnie18:12 Ninnie
2pdoes mortgage recast make sense in this situation?13:13 RevFran18:10 grabiner
7tTaking on risk in tax deferred vs. taxable13:40 ilan1h18:05 KlangFool
0ti401(k) rolling over to traditional IRA18:03 ultraviolet 
12pincome taxes04/29 Thomas9318:02 hachiko
6pWell issues in California05/01 unclescrooge18:02 DoubleComma
15cYubikey2019 dave105417:53 Blue456
10pSaving for retirement - beyond 401k?04/30 ShadowHusky17:51 babystep
31pPlease Help - No Beneficiary Listed on Deceased IRA04/29 SuperXmas17:47 Lee_WSP
43pBecoming a multi state household04/25 manatee200517:42 chipperd
42ptrapped in EJ by whole life insurance policy04/27 LateStarterDad17:40 Rex66
9pNeed a Home Insurance (MI) ... first home04/30 welloiledinvest17:22 welloiledinvest
136pMoving Away from California - How Much Do You Save Retiring To a Low Cost Area?04/23 MrCheapo17:14 fareastwarriors
20pTaxable estate and irrevocable trust fees04/29 staythecourse2017:08 Lee_WSP
32pEarthquake Insurance04/17 DrDexter17:05 DrDexter
73cWhat "Personal Fitness Products" do you use to help stay active?04/24 Sandtrap17:04 jebmke
267pCash - Throw it all on the table!!!2014 abuss36816:52 KlangFool
10hCrypto Newbie04/28 *xoQuIZ29416:34 sociologydude76
5133cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt16:28 AlwaysaQ
43pThinking of dropping State Farm 10 Pay Life Insurance04/12 welloiledinvest16:07 Rex66
40hMitigating SORR04/30 eyemgh16:06 eyemgh
26cBuying land in subdivision, but build house from scratch04/30 sunny_socal16:05 WhyNotUs
6cProtonVPN, ProtonCalendar05/01 creant16:04 EHEngineer
5hRollover IRA [asset class suggestions?]05/01 Firewatcherdaug16:03 Firewatcherdaug
3hI have Over-saved in tIRAs and need drawdown advice15:23 AK6216:00 cas
88tWhat Investing "Rules" Have Changed During the Tenure of This Forum?04/26 Leesbro6315:39 backpacker61
10hAm I doing individual stock investing all wrong?04/30 Lynx31065015:20 nedsaid
49lPhoenix, AZ Bogleheads?2011 mminaz15:11 Miriam2
3poccupancy after refinance14:44 SB123414:56 JoeRetire
0pWithholding policy for stock/RSU awards granted in one state and vested in other14:55 talky47 
5nAustralia - New Portfolio Setup and Questions04/29 dawsone14:48 dawsone
9hOops--Invested in Bond Fund through Taxable Account04/29 BogleBeginnerB14:41 retiredjg
327tBitcoin Resources for Patient/Curious Bogleheads03/26 Enganerd14:34 swedek
51tWhat reasons are there to invest in a Roth IRA before maxing out a 401K?04/28 Jesteroftheswam14:27 livesoft
2tAccumulating VBTLX vs BND13:54 guppyguy14:22 livesoft
256pSpreadsheets - Out of here!2020 abuss36814:20 AlwaysaQ
24hEarly Retirement Plan Sanity Check: Roth Ladder, ACA, Pitfalls I'm missing04/29 honigvod14:18 honigvod
2896tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab14:16 SlowMovingInves
3pPartial Year Simple IRA, Partial Year 401k05/01 SaverNotSpender14:15 Alan S.
7hHow can I be sure that I have found ALL the 401(k) fees?04/30 L. H.14:12 backpacker61
52t"Bogleheads on Investing" podcast transcripts are becoming available2019 Rick Ferri14:08 Barry Barnitz
6hAsset Allocation - 12 years to go04/30 Vanguarduser2214:08 JoeRetire
118tWhat happens if you retire using the 4% rule and the market crashes 40%+ the next week02/12 alex12371113:58 Exchme
150tUseless Investment Books03/29 chris31913:38 nedsaid
25tBuying long term SPY call options (in the money leaps) instead of SPY2020 verythankful13:31 bling
18pNuances of Making an All-Cash Offer04/30 Kookaburra13:24 LadyGeek
27hTotal Market Index vs S&P500??04/29 dylphil21-199713:16 Triple digit go
13cplumbing issue -- low flow from bathroom sink faucet05/01 doraemon12:42 JoeRetire
0hGood article/video/pointer for doing K1's for MLPs in Turbotax?12:42 MrCheapo 
10hDo ACATS transfers need Medallion?04/30 userwithconcern12:32 PaunchyPirate
20hEmbracing Personal Capital for Aggregation10/25 Explorer12:24 kgoodman16
8hHSA Contribution Tax Deduction Question04/30 jcat201212:06 FiveK
25cHome Carbonation04/29 Barefootgirl12:00 xb7
15hTreasury Fund in Taxable? Any better options?04/24 lobsterman211211:52 watchnerd
55hVanguard vs Schwab vs Fidelity for young/new investor04/28 Iorek11:52 Cheez-It Guy
5pMA Tax Return Handling of Roth Conversion03/07 ipdiddly11:51 campy2010
8hRoth 401K Strategy04/30 Chip Shot11:47 ruralavalon
30cApple Airtags/Tile04/29 jebmke11:44 xb7
4tPaul Merriman was on The Rational Reminder Podcast04/29 bogledogle11:41 Astones
7hInvestment Advice04/17 Lunalessy11:36 Lunalessy
141tI Bonds variable rate @ 3.54% in May04/13 tomsense7611:30 Candor
158pHow quickly did you receive your 2020 tax refund?03/06 CardinalRule11:23 jebmke
185tHelp me get a basic education in cryptocurrency04/17 BeaglesRule11:22 decapod10
32tThe Bogleheads Guides - Books04/29 abuss36811:19 iamblessed
60cCryptocurrency Owners - Where Do You Keep Your Seed?04/28 waltman30010:57 wmvink

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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