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Contact – 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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1697 new posts and replies over 235 topics in last day (sorted by subforum). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
0hSuggestions for Paying Tax on Annuities with Wife Still Working?08:03 msheald 
14hHelp deciding on 401k options01/23 OmG Im late08:00 retiredjg
25hAffect of Rising Interest Rates on Vanguard Total Bond Index12/21 Prudence07:59 ReformedSpender
4hVWETX [Vanguard Long Term Investment Grade Corporate Bond]20:22 sparer07:41 sparer
10hRetirement investing for EU citizen [Slovenia]07/26 ant0n1j407:16 ant0n1j4
0hHow should I manage post-tax 401a?07:14 mjd0717 
3hThoughts on this ISA s&s allocation using all in one funds? [UK]09:46 Hewkie07:09 Hewkie
5hNeed help with investment planning21:30 chen199106:58 TwstdSista
0hDiversification with 403B, Roth, Taxable06:55 Bhairston2018 
18hTreasury Bill Rates12:21 cmh12606:21 Valuethinker
9hvehicle for mother-in-law's cash assets03/20 hufflepuff06:19 Watty
17hSchwab Intelligent Advisory03/09 Jmh04j06:00 WhyAmeriprise
2hBond choices for Japan investor?21:33 Anjin05:21 Valuethinker
46hIs buying $50,000 worth of TSLA at this time advisable?03/20 Cainito03:41 Nestegg_User
9hDollar Cost Averaging vs Paying Down Mortgage03/15 numbloch02:27 gotester2000
1htrust accounts in dead bank00:00 brandy01:56 CAsage
3hWhat am I missing? Roth CD investment question22:32 Visitor01:44 mhadden1
9hHow to Get Started Investing In The Right Direction.03/19 kchumley00:56 kchumley
23hHelp with Retirement Investment for Teacher03/19 TeacherInCa00:35 CyclingDuo
2hWhen to close a muni bond fund10:08 HeadTail22:32 PFInterest
3hHelp fine-tune my overall investment strategy16:15 oneboglehead22:23 sergeant
51h50% of my portfolio in FANG - 15% in NVDA01/23 broslami22:14 sco
8hNeed help with Tax Exempt Money Market Fund16:38 BreakfastTaco21:56 PFInterest
52hIf you knew a recession was coming, what would you do?03/16 jwhitebkny21:56 jalbert
0hCurrent Portfolio Review and Help with the new Strategy21:51 invstar 
28hImpending market correction20:09 Jon H21:50 asif408
4hHow can I find a higher return for taxable savings?19:19 sublimisdeus21:42 sublimisdeus
6hTaxes on bonus20:23 bjames31021:40 FiveK
4hEmergency Fund Better Ideas?11:05 bluerafters21:34 Epsilon Delta
7hSimple investment plan for 80 yr old in assisted living?12:48 guywhogetsit21:34 guywhogetsit
14hHow to Determine Actual Muni Bond Return?03/19 TreadLightly21:34 TreadLightly
24hRoth 401(k) vs. Roth IRA14:20 JR021:22 lazylarry
4hPortfolio check-up and lump sum question18:14 alu458921:11 badbreath
7hBackdoor Roth for both 2018 AND 2017 Contributions03/18 Mosin913021:05 WhyAmeriprise
2hAA changed in HSA account?18:18 ChinchillaWhipl20:14 ChinchillaWhipl
2hVanguard Global Wellesley Fund Pays First Quarter Dividend03/18 booch22118:50 grabiner
6hInvest or pay off some of mortgage03/19 Newbogel18:46 delamer
22hNew-ish Investor--Advice on strategy05/07 irl18:43 retiredjg
4hMuni vs. Corporate bonds03/19 dave105418:39 grabiner
12hAbout to make "catch-up" IRA contribution for the first time03/19 Sagefemme18:33 grabiner
10hSupporting a High Withdrawal Rate for Medical Care13:37 drizzle18:33 curmudgeon
2hWorthless Securities - how to close my account?15:48 tampaite18:25 sschoe2
11hApproximating Total Stock Market With High Dividend Yield?03/19 longleaf18:00 Nate79
7hReviving neglected retirement accounts03/20 Michele2017:19 krow36
6hDirect Rollover 401k to 410k question03/19 betterdays16:58 Duckie
8hTraditional vs Roth IRA08:11 benne7716:12 FiveK
4hReallocated my investments for simplification and need input03/19 Kittens15:52 ajw360
69hJustification for holding Emerging Markets?05/18 TheTimeLord15:49 mhadden1
7hMaxing out 401,457 and 403b. Other ideas for pre-tax savings?03/20 Plan4Future15:13 angler-39
1hAGG or IUSB14:42 ChiefEngineer1415:00 lack_ey
13hAnnuity03/19 Newbogel14:39 Tal-
25hVanguard Managed Payout Fund VPGDX2017 william4814:38 lack_ey
24hNeed new retirement plans ASAP [to be able to contribute for 2017 before deadline]03/19 TreadLightly14:30 TreadLightly
4hTraditional vs Roth funding12:39 seattletom114:01 JBTX
26hConsidering a change in asset allocation; tell me if I'm approaching this the right way01/17 fefifofum13:56 fefifofum
11hInheritance Investments03/08 happy113:47 prudent
12hBest 401k for small companies?05/23 MotoTrojan13:43 Spirit Rider
6hETF dollar-cost averaging for a non-American citizen08:44 hunszasz13:41 hunszasz
21hHave $800k - What do I do?03/14 zeek12313:41 Sandtrap
11hPersonal capital returns: 35% a year?03/19 unclescrooge13:36 Pajamas
22hNew Boglehead - 401k03/19 NewBogleheadTN13:19 NewBogleheadTN
12hShould I continue to participate in my Megacorp ESPP?03/18 cdrwok13:08 libralibra
12hPlanning portfolio - European investor02/12 Belgiuminvestor12:59 Valuethinker
2hRMDs - where to take & how to report10:44 goshenBogle12:09 John Z
9hStock Conundrum02/09 PJR20211:47 jtl46
1hSame flagship representative as parents [good? bad?]10:06 chargingrhino11:23 kaudrey
1hThoughts on VDC ?10:58 newbie00311:11 nisiprius
0hA Different Excess Roth Question for Alan S.10:09 Tony 
19hBuy bonds or pay down mortgage03/19 broslami09:58 Nate79
68hREITS and Swedroe03/08 Always passive09:50 iceport
5hWhat Other Finance Planning Sites do you recommend?03/19 advice78909:30 Darth Xanadu
42h401K: Guaranteed 9.3% Return?03/14 Lynx31065008:40 smitcat
7h$250k Vanguard/Schwab/Fideliy03/19 jiwan1j08:20 core4portfolio
18tWhich is the hedge against higher future interest rates and inflation: the house or the mortgage?03/19 letsgobobby08:00 ThriftyPhD
25tIs it time to dump high yield savings for prime money market?10:34 mbasherp07:56 nisiprius
30tBought myself a private island03/18 livesoft07:48 flyingaway
28t"Demographics and equity returns: A far-fetched horror story" by Joe Davis of Vanguard03/05 arcticpineapple07:45 blueblock
1tVanguard bond mutual fund purchase fee vs ETF07:30 t88507:40 livesoft
4tRent & Invest vs Mortgage for mid-30's saver05:23 Snowjob07:32 gmaynardkrebs
2096tThe Three-Fund Portfolio2012 Taylor Larimore07:32 saltycaper
32tFacebook's slide cost Mark Zuckerberg $6.06 billion in one day03/19 invst6507:27 DanMahowny
6tPartial Roth Conversion & i-ORP data14:09 enjoyinglife07:26 smitcat
48tBloomberg commodities index still in contango03/11 grok8707:22 grok87
0tBond question07:15 Kelly 
24tQ&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE03/14 Mel Lindauer06:26 fortyofforty
92tTSP bonds?03/11 neiderer05:52 Watty
118tCould all of these "low expected returns over next 10 years" predictions be wrong?03/16 TheBogleWay05:30 lazyday
14tBond Maturity relative to Equity Weighting03/20 JonL05:08 Valuethinker
2tReturn on equity – just how dependent is income upon equity?03/19 Virus476202:23 Virus4762
4tGot a Question for the Experts Panel at the Bogleheads Conference?03/14 Mel Lindauer00:52 Jiu Jitsu Fight
45tBest way to hold cash in retirement accounts??03/18 duffer23:39 duffer
19tScottrade/TD Ameritrade merger - Yuck!03/01 Trader/Investor23:08 investor997
25tDo you Continue to invest even in down market??03/19 OmG Im late22:24 heyyou
8tMaybe Ramsey is right18:03 RadAudit21:57 badbreath
21tPSA: Vanguard Drops The Ball (Cost Basis Issue)03/15 SJR21:34 UpperNwGuy
13tSkin In The Game [new N. Taleb book]03/13 Ron Scott21:02 alex_686
4tIRA vs Roth03/19 pkcrafter20:03 Silk McCue
88tSharonview FCU 64 month CD - 4%03/02 EvelynTroy19:55 keinodoggy
893tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab18:57 michaeljc70
12tWealthfront Risk Parity???02/22 nasrullah18:46 nisiprius
47tAnyone exclude emerging markets?03/15 john454618:05 Valuethinker
212tJack Bogle Says ‘Avoid Bitcoin Like the Plague’11/28 TheTimeLord17:49 Nate79
2t$40k Gift15:02 netcord16:57 craimund
11tAlternative to market cap weighted bond index12:21 Mrfss535716:30 triceratop
51tLarry Swedroe: Don’t Count Out Commodities03/12 Random Walker16:03 saltycaper
5tGlobal GDP Growth --> World Stock Returns, 1970-201713:06 SimpleGift14:40 SimpleGift
6tAllan Roth: Boosting Returns With Rebalancing12:36 Random Walker14:29 azanon
3tWhich Cost Basis to Use03/19 Nonam312:31 BL
77tVanguard New Factor Funds Portfolio Statistics03/08 jhfenton11:07 lack_ey
23tyour cash is trash at brokers J.Zweig - WSJ03/13 EvelynTroy10:09 bberris
74tDave Ramsey spends two segments on his investing advice08/13 Helo8009:34 ryman554
40tHow much money can a CPA save you?03/18 randomizer09:28 ryman554
5830tU.S. stocks in freefall2011 Lbill09:15 CokeSlurpee711
27tWhy is 16 the magic number for FAs?03/18 ChinchillaWhipl08:39 nedsaid
33tThe Single Greatest Predictor of Future Stock Market Returns2013 ArthurDent08:07 lazyday
83pCost of College vs Starting Income10:02 dm20008:04 oldfatguy
5pAny lawyers? Got scammed06:40 jehovasfitness08:00 jehovasfitness
9pDownloadable Social Security Benefit Estimator (repost)11/09 neurosphere07:58 FrankLUSMC
29pconversation about finances/spending with significant other?03/19 juliewongferra07:50 wrongfunds
1phow does it work between foreign tax credit vs foreign income excl06:33 ketanco07:45 clutchied
41pBuying vs renting - really tough decision to make20:31 TheBogleWay07:44 sperry8
8pPersonal Excess Liability Insurance - Umbrella Insurance06:05 willyd12307:44 bgf
36pHome equity as part of retirement plan13:14 Miguelito07:43 SGM
21pDiscovered mistake on 2014 return—owe money03/18 Puppynewf07:43 retiredjg
12pCPA fees for S-corp?03/18 ChinchillaWhipl07:33 pshonore
97pHSA family max contribution lowered to $6850 for 201803/07 toblerone07:12 jhfenton
7pIndex investing vs Real Estate/P2P/websites, etc.. How much is time worth?10:57 jkushne107:05 minimalistmarc
1pEmployee Fiduciary Update - 15 months in00:29 ERISA Stone07:02 smitcat
4pTax reporting for Roth IRA recharacterization and conversion2017 russellh06:56 Aerophany
5pTax on appreciated mutual fund shares22:46 jjet6506:53 fundseeker
20pHMO vs HSA03/19 michaeljc7006:39 BeneIRA
3pNJ muni's, funds or individual03/19 exoilman06:30 Iliketoridemybi
171pBought house six months ago - now feeling like we're treading water and can't save money03/17 LiterallyIronic05:55 BanquetBeer
0pTravel Nurse - Assistance with Tax Preparation05:34 bhwabeck3533 
52pTerminal illness with small kids03/16 timmy05:08 amitb00
86pCan I Retire at 38?03/19 assistca105:06 wander
20phelp! I want to treat heirs equally03/15 brandy03:30 HIinvestor
5pRental Investment Property22:12 togb02:04 StealthRabbit
0pBetterment – how to report foreign-sourced income from dividends?01:41 shelmer18 
17pTrust vs Will Gotchas11:45 jason112201:14 Rob1
4ppre-tax HSA deductions and form 8889, H&R Block software23:23 Yossarian00:35 Spirit Rider
2pOdd, AMT higher with less income00:06 SpideyIndexer00:31 SpideyIndexer
2p401K transfer and 1099-R18:22 kchnew23:53 kchnew
3pBeneficiary of inherited IRA16:37 FlordiaGuy23:13 jjet65
13pTrust attorney changes firms - does trust “move” too?17:31 bayview23:06 jjet65
183pThose with high savings rate: why?03/15 EGARCH21:37 MrUpwardlyMobil
43pCash Advance on Credit Card for $3K Car03/19 learner10021:35 rr2
15pHow to respond to internship offer?12:55 big bang21:30 NoGambleNoFutur
2pQuick thought on a counter offer & employment contracts03/20 PlayingLife21:22 PlayingLife
1pMortgage and Social Security Question20:16 sparkyheim21:16 delamer
2pMoved at New Year to New State: Taxes and Moving Expense Tax Year03/18 blastoff20:36 Gill
66pH&R Block vs TurboTax (spoiler: HRB is awful)03/10 The529guy20:10 talzara
11pIs it worth spending $1500 on a Planning Software?03/19 confusedinvesto19:56 Mike Scott
9pBaby on the way - Will/Trust needed?11:48 Stryker1619:47 Nutmeg
6pTiming of RMD on Inherited IRA18:16 Pigeon19:36 Pigeon
1pPledged asset loan to pay large tax bill08:36 The0s19:18 grabiner
13pStudent Loan Repayment12:39 Lalo550019:05 askerdu
14pCollege scholarship treated as income even he is full time student?10:32 annabel18:49 annabel
8pWas my experience with a CPA typical?10:12 knightrider18:14 Olemiss540
18pBecome Portugal tax resident ... pay no tax on US pension income for 10 years?2015 dgdevil18:02 don.camillo
235pNeed advice re: Liberal Arts Colleges...03/13 cheapskate17:43 Natsdoc
7pDebt payoff plan03/16 z06ray17:22 mhadden1
2pforeign residence start date14:41 ketanco17:14 plats
6p"vanguard settlement fund"16:00 badgerland16:42 beardsworth
3pState Tax ? Resident / Non-Resident14:55 harmony16:24 harmony
22pFinancial checklist after passing of a spouse03/19 pancake1916:21 pancake19
0pAdvice on How to Fix Non-Deductible IRA Basis?16:07 Small Law Survi 
11pSold house, trying to decide what to do with equity10:26 jimmyrules71215:54 rob65
1pQuestion on closing/rolling over 401k accounts prior to large dividend payments14:35 ArmchairArchite15:20 lstone19
4pPresent Value of a FERS Pension with a Spousal Benefit12:45 MichDad15:17 ExitStageLeft
34pMedicare Part B premiums2016 Lynette14:52 FactualFran
10phow to end residency with a state09:40 ketanco14:46 sperry8
3pKeep money in IRA or move to Ally Savings?03/19 Pobre14:37 Pobre
4psame stock in two separate brokerage accnts. dividend qualified in one not in other03/19 grideau14:02 not4me
28pTerm, Whole & Disability Insurance: revision questions03/07 Momof213:52 afan
2pBest Practices for Saving Tax Returns and Supporting Documents10:25 jkushne112:47 armeliusc
4pDid not file tax for trust for 201612:24 artibug12:41 Katietsu for small business 401K?2016 fpricke112:05 Devil's Advocat
14pAccidental Real Estate Owner... Now What?03/19 I_Am_Not_A_Doct11:51 Nutmeg
12pWays to Reset the Capital Gains Exclusion on Primary Residence03/19 bmr1211:43 mrsbetsy
35pRent in Retirement03/18 Cipro11:37 craimund
4pIRS rules reg. return of funds received by wire from parents [in India]03/20 erythrocyte09:48 erythrocyte
36pRetirement will cost the average American $828,00003/19 Sheepdog09:43 1210sda
34pWorth it to Amend incorrect CPA prepared tax returns?12/06 panhead09:38 panhead
76pAt what point does it make sense to pay down your mortgage?03/15 ChinchillaWhipl09:35 NextMil
9pUnique Housing Situation03/20 SteveKnox609:28 Jack FFR1846
4pDeduct estimated property taxes for 2017 tax return03/19 international0009:10 international00
0pLong term care options - FPO at what age08:06 ji.isaacs 
14lNew Israeli Local Chapter Established2008 Hashkaah17:15 Mel Lindauer
69lHAPPY 10TH BIRTHDAY BOGLEHEADS FORUM2017 Mel Lindauer16:37 LadyGeek
31lSt Louis Bogleheads2014 larryswedroe11:31 bkweathe
139cWhat is your favorite reasonably priced bourbon?09/23 Dead Man Walkin08:03 unstartable
14cWe made the right decision to not purchase a home now, right?22:54 JDP08:02 gotester2000
15cDrink package on Royal Caribbean, worth it?20:04 ChinchillaWhipl08:02 investingdad
14cSE Washington DC job - where to live?20:53 curmudgeon08:00 flowerpower
8cOutdoor Blower06:20 J29507:59 Blues
20cKettlebell Swing experience?10:52 VictoriaF07:57 unstartable
1cSonos Playbase06:57 A44007:38 elcadarj
43cHow to buy a safe "power bank" to replace my recalled AmazonBasics unit?03/15 nisiprius06:46 jharkin
111cLarge life style creep that was completely worth it03/15 ThankYouJack06:44 smitcat
24cWhat have you baked recently?16:53 Elsebet06:37 alpenglow
44cNew Subaru Outback vs. used Volvo XC-7001/31 friar161006:16 A440
44c2018 Honda Accord LX ... is this a good deal?03/19 kchico04:17 davidkw
25cCookware Brands - Demeyere?03/11 kwarden1304:14 UncleLeo
4cNeed to pull some data off some old 5-1/4" floppy disks22:34 Tamales02:39 inbox788
9cOpinions on Azek vs. composite (Trex/Timbertech)?03/16 Casper00:45 Sandi_k
71c2018 Forester vs CRV vs RAV403/15 need403bhelp00:34 ClaycordJCA
27cMost Effective Rat Poison07/09 Cruise00:07 fundtalker123
28cIs a Model Release normal for wedding videography?03/20 fundseeker23:26 MrMojoRisin
0cBH Review: Ventev wireless phone charger23:22 sunny_socal 
60cBogleheads car buying strategies with new safety technologies03/18 jb322:29 Slacker
79c30-Day Minimalist Challenge02/27 Cycle22:23 kenoryan
22cLeast Expensive Way to Comprehensively Learn Law03/19 learner10022:18 FedGuy
4cThunderbird Malfunction15:48 sport21:51 sport
8cJob Expenses for contract job. Should I take W2 or 109918:59 AKBTX1420:49 JBTX
6cRolling Lease For Apartment (Condo)09:36 Leesbro6320:19 euroswiss
10cCargo Vans- suggestions03/19 jehovasfitness19:09 lthenderson
142cRe: Where to buy a Vanguard hat? An Update and good news2016 arcticpineapple18:45 Random Poster
2920cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt18:21 BigOldBear
41cLondon Hotels03/18 fortfun17:55 Valuethinker
15cAny recommendation on non-leather dress shoes?14:12 knightrider17:41 Iliketoridemybi
3cZVOX AccuVoice TV speaker03/20 Dead Man Walkin17:25 douginct
3416cWhat Movie Have You Recently Watched?2014 abuss36817:18 bertilak
28c9th grade earth science honors or biology honors03/19 goru116:59 LadyGeek
13cSuggestions or remedy for a fire on our apartment complex...03/18 kjvmartin16:42 hale2
497cNetflix, Your Current Favorite Show2016 dbCooperAir16:36 Elsebet
104cPaging BH Gearheads: Reasonable Net Worth for Exotic03/16 BJJ nerd16:25 Serie1926
2cCycling in the French Alps and Pyrenees03/19 cegibbs14:52 Freefun
12cWorld Travelers: What's the local economy look like?02/16 bighatnohorse13:58 flyingaway
102ctraveling to mexico, should I be concerned?03/12 jazman1213:54 JBTX
9cNew customer pricing for existing customers08:51 clipson12:28 runner3081
8cAnything I should know about new windows?03/19 z9112:12 btenny
57cModest stereo system03/15 friar161010:55 sailfish2
4cScottrade to Ameritrade03/19 Nowizard10:05 bberris
35cTV and set up recommendations for above fireplace03/17 ThankYouJack09:15 kwarden13

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h = Investing - Help with Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
c = Personal Consumer Issues
r = Reference Library and Wiki
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