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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

1331 new posts and replies over 184 topics in last day (sorted by subforum). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
56hWhat do you do when you hit your number earlier than expected because of the market?07/16 privateID10:13 Wanderingwheelz
14h403b choice --- one fund/three fund/brokerage link22:05 frankenstein10:02 ruralavalon
12hInvesting and Taxes for Young Children09/15 mander7509:58 KaskadeForever
44hReplace Bond Funds??09/14 PGHunt2409:58 muffins14
8hTrying to figure out a discrepancy in my 401k (mega backdoor Roth)09/15 Ciel09:51 retired@50
10hSpecific mechanics and timing of Vanguard $25 account fee08/15 glb19009:38 ruralavalon
15hBonds Question - Only have short term bonds option in 401k09/12 setitandforgeti09:35 cbs2002
105hWhere is your fixed income invested?2020 corn1809:31 Chv396
28hSS plus annuitizing half of portfolio to cover living expenses?09/16 Atticus71309:15 Atticus713
9hAA staying the same despite new stock market highs?22:15 Sagefemme09:08 aristotelian
27hReach a live person at Vanguard - ACH withdrawal instructions12:09 eager to learn08:44 Colorado Guy
10hBonds in taxable accounts - BND/VCRB13:43 vaughn1207:55 lakpr
4hRoth conversations or taxable brokerage20:45 wacoach07:52 wacoach
19hHelp with bond choices. Total Bond or American Funds in 401k? Or add TIPS in taxable?09/15 NYCaviator07:43 retiredjg
50hHolding 100% VTSAX10/22 Nandomastache3007:33 Tundrama
11hSell Rental Property to use proceeds into a REIT09/16 stluis5107:32 GMCZ71
7hTraditional vs ROTH (IRA + 403b)00:48 stormii07:24 YeahBuddy
22hWhat to do, my bank account is reaching 250k fdic insurance limit09/15 bigfig07:19 nisiprius
68hFidelity Wealth Management pitch09/10 HoosierDude06:51 grok87
71hRetire From Military or Stay In Longer?09/10 brian.h06:03 Tundrama
12hSolo 401k Roth to Roth09/13 polemistis4723:05 HomeStretch
42hNeed help on Gold09/12 Bennie22:43 anoop
8hPortfolio Review Requested (40 yo Attorney Eyeing the Exits)09/15 astrolabe21:32 astrolabe
9hSeeking advice on financial situational09/15 ReasonableGuy20:42 retired@50
14hConfirmation on TIPS ladder09/12 Alex GR20:42 LotsaGray
13h30th Birthday Investment & Finance Checkup (Also advice needed for saving for kids education)08/26 The_MisFitz20:35 mnsportsgeek
2hPro-rata and timing of rollover into IRA19:03 thegasmaster20:31 lakpr
6hLeaving wealth manager->Tbills/CDs/MM?17:15 PassivePanda20:21 lakpr
2hUsing Merrill Edge and Allocating Assets18:34 littlefuse19:42 retired@50
53hRetirement is imminent - are we ready?2022 CarsOutOfNoodle19:24 celia
22hFirst job - Retirement Accounts09/15 stormii19:02 ruralavalon
16hOptimal DCA Strategy in Context of Upcoming Forced Time Out of the Market09/16 GoldenBear1718:05 GoldenBear17
17hHow often to Rebalance Portfolio?11:13 playboy_number917:26 dkturner
19hFinancial Health check and help with guilt after spending09/14 StayOnTrack16:30 WhenDoISell
11hFidelity HSA - How to get back in the market14:15 OldSport15:53 stimulacra
43hMid Course correction09/13 trjack5715:41 chicagoan23
14h40 year old needs to start now09/15 bpkasl15:20 mhadden1
18hI'm thinking about getting a financial advisor.09/14 icbmwapg4113:59 yankees60
13h18 and starting Investing09/15 Curious56713:23 rkhusky
82hUHNW Situtation07/12 WeathKeeper12:59 psteinx
37hHow best to get rid of my financial adviser?09/13 aadc12:53 yankees60
22hPay off remaining mortgage with IRA $ or Non-IRA Brokerage acct.09/14 Troonp7212:01 lakpr
17hBonus for transfer of 401k accounts to tIRA accounts09/09 micron11:13 LilyFleur
9hPlease give feedback on portfolio09/16 JakeTakesARando11:13 wadesh
15hConsolidating portfolio, simplify investments09/15 Quintock11:12 HomeStretch
2tEver end your Initial Financial Advisor Session with "No Thanks!"?10:03 ollistu10:15 goblue100
4t[2024] Bogleheads Conference: Know Before You Go09/15 ObliviousInvest10:03 retired@50
41tReporter doing story - "VOO and chill" - Origin of this phrase?10:49 LadyGeek09:27 alpenglow
2t401k Rollover Fee10:56 medloving09:25 GarfieldBogle
6987tInternational (Non-US) versus US Equities (The "Arguments")2023 CraigTester09:18 coastFIREdude
16tLow Equity portfolio and the Bond fund selection09/15 gavinsiu09:12 gavinsiu
35tWhy the love for the 3 fund portfolio?09/15 BitTooAggressiv09:10 BuglheadLuvsLon
45tTOTP Protected by Pin/Biometrics Now Supported by Fidelity09/12 Northern Flicke08:53 gavinsiu
241tWhy "traditional" asset allocation may be very WRONG09/13 HMSVictory07:38 986racer
8tChanging asset allocation23:20 long-term-inves07:19 DaufuskieNate
102tDownside protection (buffer) funds12/31 Rjhasti03:34 Valuethinker
5tTax efficient ballast for taxable account17:35 Glawen01:52 DonIce
81tWisdomTree GDE: 90% Large Cap + 90% Gold2022 Booogle00:58 seajay
169tCan you train yourself to be less risk averse?08/31 gavinsiu23:21 DonIce
1004tTotal Portfolio Allocation and Withdrawal (TPAW)2020 Ben Mathew23:12 mrshikadance
1tProposed ETF that invests in public and private credit22:18 Mle1222:41 David Jay
119tBernstein article - Why Should You Care When Stocks Plunge?09/11 quercus22:23 RationalWalk
3241tModified versions of HFEA with ITT and Futures / Lifecycle Investing with Modern Portfolio Theory2021 skierincolorado21:55 Vin Man
8tGrandparent 529 Plans09/07 diehard21:39 circlespinner
7089tI Bonds Mega Thread (I Bond Heads Rejoice!)2021 tomsense7620:32 Lyrrad
1379tVanguard to Exit Individual 401(k), Multi-SEP, and SIMPLE IRA Plans With Ascensus Deal04/16 foolio9720:08 GoldenBear17
46t2024 Bogleheads Conference: Registration Now Open04/30 ObliviousInvest19:51 DowntheMiddle
3tRational Reminder episode on passive investing09/13 Gaston16:39 Gaston
2157tWhy not 100% PSLDX? [PIMCO StocksPLUS Long Duration Fund]2020 TeeDee16:02 Tamalak
51tDirect Indexing-personal situation and question09/12 socraticquestio14:23 prioritarian
631tLet's Talk SPX Box Spreads2022 GeraniumLover12:07 turbocheez
975tThe One-Fund Portfolio as a default suggestion2019 longinvest10:30 SevenBridgesRoa
64tThe New 60/4009/09 betablocker10:27 Gecko10x
22pWhen does HDHP make sense to get access to an HSA?09/15 NYCaviator10:14 SmileyFace
15pinheriting unwanted oil royalties in Texas09/15 popoki10:14 Valuethinker
27pChecking account cushion: keep higher balance in checking or get low yielding savings at mega bank?09/14 NYCaviator10:12 classpro
22prental property - poor investment?19:41 Plan4tomorrow10:09 cheese_breath
36pCrazy health insurance situation --caution...09/15 Manny106610:08 Manny1066
2phockey stick vs. watermelon careers17:58 unwitting_gulag09:52 Joey Jo Jo Jr
78pHow To Lower Retirement Expenses08/14 naturewalker42009:51 rockstar
44pIf you hit $3M by your 40s, what did you do after that21:20 saagar_is_cool09:44 cbs2002
6pWhere to find free tax help?23:19 sandramjet09:43 BogleTaxPro
7251pFidelity as a one stop shop2018 BogleMelon09:36 Lyrrad
80pUS Bank 4% Smartly Visa Credit Card09/05 Bosro09:28 tj
52pTrust Services: Fidelity v Schwab v Vanguard v other2023 Swampy08:49 bsteiner
84pDenied comprehensive auto insurance claim (hitting a raccoon09/12 mesaverde08:27 toddthebod
26pAnyone take a long work hiatus?09/13 ThankYouJack08:20 Nowizard
22pBare Legal Title for Real Property in a Revocable Trust09/14 JSparks08:09 MightBeRight_Mi
8pClaim or not claim ACA subsidy05:42 Paullmas08:06 Hebell
7830pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly07:51 Laundry_Service
65p[Any regrets paying off your mortgage early?]08/26 Kylelange07:36 Blues
16pPrudential Variable Annuity Going to LPL E08/31 Diver424206:21 LadyGeek
15pHeating and cooling system—may need to replace09/12 meercat803:55 Valuethinker
6pHere are Medicare Part D WellCare Value Script Premiums for 202509/06 ModifiedDuratio00:22 cashmoney
41pMortgage Payment Grace Period2020 Count of Notre 23:29 MoreTaxes
22p(Military) Should I purchase Survivor Benefit Plan (SBP)09/15 gator1522:12 hawgwild
5pHSA payroll deductions: what if you will be over earnings limit?09/15 FrugalFed21:50 FrugalFed
2pIPO21:01 scgamecocks294621:50 FoolStreet
46pRetire broke if I must.09/15 were gonna make21:05 MP173
10pHow Do I Avoid Filing Sched A-H to Exclude Assets on FAFSA?02/17 Milujo20:12 secondcor521
720pBay Area teacher saving half my income – why the doubt? (and asking more questions)2019 Ron Ronnerson19:47 Ron Ronnerson
44pAnything wrong with paying property tax using credit card charging 2.25%?2022 frugalor19:22 avalpert1
14pHSA usage questions/guidance09/15 cosmos18:43 SmileyFace
41pTeaching Kids about $ - spenders and savers09/15 ThankYouJack18:11 tibbitts
9pWill and leaving stuff to kids15:40 sogm17:23 bsteiner
83pCheck Fraud09/14 GMCZ7117:14 exodusNH
157pHackers leak 2.7 billion data records with SS numbers that may affect every American. National Public Data08/12 jef16:44 anoop
2pPurchasing Excess UM/UIM Motorist Coverage on Umbrella Policy?16:26 OnTrack202016:44 suemarkp
74pWhen to pull the plug - OMYing [One More Year'ing to retire]09/11 Bashido16:22 charleypartanna
6pUse 529 for College Credits Earned in High School09/15 Dragline15:56 the_wiki
7458pWhat's Your Credit Card Rewards Strategy?2016 guitarguy15:41 tj
9pPaypal 5% cashback debit card09/08 the_wiki14:46 nalor511
25pSole proprietor taxes09/05 dszklarek13:57 dszklarek
0pExperience with Tesla Auto Insurance in CA13:05 onyxlinkia 
11pBuilding credit history09/16 psteinx13:03 exodusNH
11pGoing down surrogacy path09/15 halivingston13:00 stan1
2pSelling rental home which under LLC09/15 aparan12:35 aparan
3pinheriting mineral rights and natural gas rights11:12 mdshumaker12:34 Random Poster
7pHelp/Recommendations on Future Plans/House Price09/14 liz2411:16 delamer
5pTranslation of foreign death certificate to satisfy Fidelity09/16 Fractalleaf10:57 Fractalleaf
4523pShare your net worth progression2014 techcrium10:27 irr
22pEstimated tax sanity check09/11 jbowman10:21 Hacksawdave
0n35 Switzerland - Seeking Portfolio advice09:19 Lockenjonny 
3nWhy did this TIPS 0-5y ETF not compensate for inflation?04:25 markus7506:56 markus75
15nEarly-30s UK-resident US-citizen seeking advice09/09 londonexpat03:20 Valuethinker
2nNon-US Investing of USD Mutual Funds23:32 Curny02:22 TedSwippet
4nTax optimized portfolio. Advice please09/13 ananddev16:59 jg12345
71nMy tentative portfolio, main doubt on bonds ETF08/21 erma14:25 Marbleman
12cFence Install - Use Fence Company or Contractor Who Has Done a Variety of Things for Me09:30 DarkHelmetII10:14 DarkHelmetII
74cHotel recommendation (or at least what area) in DC2023 newbie00310:10 BashDash
5cHVAC Conundrum: is Trane THAT Much Better?09:55 DarkHelmetII10:10 DarkHelmetII
15cBuying blinds for dealer with personalized in-home consultation the biggest waste of money in 2024?20:31 panpsych10:09 barnaclebob
2cMore insect issues09:51 gavinsiu09:55 lakpr
57cHow do I get an unbiased assessment of my backyard drainage and erosion situation?09/12 panpsych09:49 mjg
26cHelp Needed - How to Spend More Money19:39 Accrual09:45 lthenderson
4cWater Damage to house - should I go thru insurance18:30 matty_boston09:39 mhalley
6cUsed model Y vs. Wait for model Y Juniper21:14 CLKGTR09:17 hunoraut
15cInsurance adventure electrical panel09/15 AlohaBill08:49 bobn60014
11cStrange email from USPS about delivery to old address02:00 Caduceus08:41 Hedgehog51
19cShould I add a 240v outlet for future kitchen range options in new construction?11:43 czaj08:36 czaj
87cEV / Hybrid basics?09/12 yankees6008:35 prioritarian
38cWater heater flush?14:00 jplee308:33 hudson
1cStubHub experts: selling groups of tickets in adjacent rows06:34 coalcracker07:29 bobn60014
9cYard grading, interior drain tiles, both, or neither and something else?09/15 InvisibleAeroba07:29 Parkinglotracer
79cAnything you wish you had known before your solar panel installation?07/30 WoostaGal07:05 vg55
7cIndoor air quality monitors For cigarette smoke20:10 RealSunset06:58 RealSunset
5cwww.jurytest.net [is it legit?]09/16 LifeIsGood05:20 LifeIsGood
29cUSPS Informed Delivery is Back09/15 Carl5304:51 bberris
39cNew Refrigerator recommendations09/08 Rocky7703:49 my2swedes
11cWhere to live-quality of life16:28 4nursebee03:28 Valuethinker
14cblowing out sprinklers09/15 adr31415902:00 twh
3cHow to gift my car in California to my son in Illinois22:41 HenrySouthernCa01:32 Sprucebark
19cWater Filtration / Softening for House11:09 Colorado21a22:48 LotsaGray
4970cWhat frugal thing did you do today?2017 Nectarineman21:56 hvaclorax
7cdoes your router track the websites you visit? and send that info to a 3rd party?09/14 biscuit521:14 fogalog
8146cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt21:11 yankees60
2cVoip.ms texts for 2FA16:39 guppyguy20:40 lostcoast2023
17cClay? On key slot on mailbox19:28 Sho20:33 Teague
6381c[What TV Show Have You Recently Watched?]2016 dbCooperAir18:57 bertilak
22cPicking contractor for roof replacement01/15 Arizonasun200818:54 Sandtrap
819c[What UN-frugal thing do you do? What do you splurge on?]2014 Professor Emeri18:48 Marathon Man
6736cWhat are you listening to now2020 Artful Dodger18:02 yankees60
18cBuilt in Microwave Ovens09/15 facundo17:41 adamthesmythe
7cBeneficary tax reporting of gifted mutual fund shares16:05 petras5217:05 petras52
44cQuestions on getting a new desktop computer09/13 tc10115:50 rockstar
1119cSo what are you cooking2020 Skeeter115:35 bikefish
1cPRK Touch Up [PhotoRefractive Keratectomy]14:07 krafty8115:33 oldcomputerguy
5cLincoln MKC Longevity/Comfortable and Reliable Replacement09/15 MisterCruise15:22 MisterCruise
20cRecommendation Vacation involving food09/15 bikefish14:59 eddot98
106cWhere do you buy glasses?12/05 faanger10114:56 mikejuss
20cPlacement of Refrigerators with Flammable Refrigerants in Your Kitchen09/16 WoostaGal14:30 barnaclebob
11887cWhat Movie Have You Recently Watched?2014 abuss36813:42 littlerfish
19c20-year old house , loud pops09/16 Nyc1003613:35 Nyc10036
99cBooks that Really Changed/Helped You/Your Perspective and Why?10/29 liz2413:28 Sandtrap
63cBest Washing Machine07/27 keyfort12:35 goldendad
11cConverting sprinklers to subsurface drip irrigation09/15 HawkeyePierce12:04 wwhan
13cPassed my CISSP exam!09/14 BlackwaterPark111:56 stan1
15cOne benefit of money in retirement09/14 Raybo10:39 Raybo
140cWhat Car Should I Buy If Money Were No Object?2023 Cruise10:38 LadyGeek
21cTipping09/16 Kylelange10:33 Pops1860
320lRoll Call for the Retirement Class of 2023!2022 Miriam201:36 Miriam2
207lRoll Call for the Retirement Class of 2024!2023 Miriam223:53 bampf
248lMaster thread for Washington DC Area Bogleheads2014 grabiner10:29 Neel4Real
54fBogleheads Forum website running VERY slow?09/05 Stinky21:11 iceport

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p = Personal Finance
n = Non-US Investing
s = Spain
u = United Arab Emirates
c = Personal Consumer Issues
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I = Non-US Local Chapters
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