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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.

Post ListingsView subforum list

1599 new posts and replies over 235 topics in last day (sorted by subforum). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
4hInherited 403(b) question15:41 ManateeMW19:01 Spirit Rider
20hHelp! What do I do with my children's money?15:12 meecha3319:00 Grt2bOutdoors
116hInvesting $140k in cash at 1k per week11/11 timetraveler18:56 Leif
0hWinning the Game - Reducing Risk18:53 expatFIRE 
370hAnyone tired of the stock market going up?2017 TheTimeLord18:50 catfish48084
49hInvestment Ideas11/06 juvenho18:43 juvenho
4hAsset Allocation advice05:24 MoRS7618:16 retired@50
24hBuy some VYM [Vanguard High Dividend Yield]?11/12 LilyFleur18:11 Bronco Billy
273hWill we be OK at 3% WR?11/05 bhsince8717:59 willthrill81
1h401K help and transition plan16:32 Jvasqu0117:34 lakpr
311hHolding bonds vs 100% equities10/29 irasymn1017:24 KlangFool
7hGetting comfortable with AA heading into retirement19:27 Tjb17:07 dbr
15hNew financial responsibilities - a young couple seeking advice07:18 Baxxter16:49 lakpr
1hAA – Help rebalance/streamline FIL’s portfolio16:11 Alearning16:42 dbr
42hSIL retirement puzzle23:44 gips16:36 bob60014
7hCapitalOne 360 performance offer13:14 ekid16:17 BlackDiamond
7hMoving Roth IRA from Vanguard to TIAA Brokerage22:05 IowaNative16:14 IowaNative
10hWhere to park $ for about 1.5 yrs09:54 ftwret16:12 BlackDiamond
6hNew member, Portfolio review help11/12 mrtbhf16:10 mrtbhf
21hRecently married, early 30's portfolio/fire advice?22:55 fresh_boglehead15:51 ruralavalon
11hHow much to convert from Trad-IRA to Roth11:24 protagonist15:51 rkhusky
15hIs this too simple19:05 Laker115:33 Watty
11hSmall value in 50-50 retirement portfolio11/09 DesertInvestor15:29 DesertInvestor
8hTo Roth or not to Roth, that is the question11/12 Skeeter115:05 Skeeter1
11hVanguard Index Funds vs Fidelity Managed Assets Program11/12 keep_the_change15:04 keep_the_change
32halternative investments11/11 smoothnobody14:57 ballons
11hNon-spouse inherited annuities - help getting out of them10/19 ballons14:30 ballons
19hHelp for MIL11/11 aristotelian14:28 aristotelian
15hRetiring soon and need help02:27 Newlearner1914:06 nguy44
1hLooking for ROTH investment recommendations09:38 Motor14:04 David Jay
20hTIPS OID for 2011 through 20192011 #Cruncher14:04 #Cruncher
152hSpend It All vs. Leave $$ for the Kids11/09 MaryO13:54 willthrill81
12hTaxes on Long Term Capital Gains11/12 Laila1013:08 shess
4hHealth insurance - HDHP (with HSA) versus PPO11:13 mahgeetah0113:07 nalor511
23hRoth IRA Portfolio Options11/12 thenovice12:58 retiredjg
14hDo you batch 529 reimbursement or match costs?11/11 shess12:19 HereToLearn
2hPending Retirement/Tax Deferred Funds/Conversion Strategies?11:17 TresBelle6512:03 ruralavalon
19hAdvice needed for unusual financial situation11/11 Jacksright11:51 Motor
10hStrategy for transitioning to Bogle07:28 bethesda11:47 ruralavalon
1hHELOC impact on credit score11:26 bhinvirginia11:40 mhalley
33hHow to combine finances with your spouse? Recently married/early30s03:28 DualMotors11:06 stoptothink
17hBRK.B11/12 Bernard10:57 willthrill81
11hTIAA's real estate fund11/11 dmcmahon10:42 Valuethinker
7hVanguard Estimated December 2019 Year End Distributions08:44 billfromct10:24 ScooterBob
14hSchwab or Vanguard simple ETFs portfolio at Schwab2018 normalmal09:47 NancyABQ
11hRegular investing into taxable while maintaining AA11/12 ma21n209:31 ma21n2
10hIRA to 401K Roll In Rules, 60 Days, Vanguard Screw Ups08:41 StandingRock09:27 StandingRock
17hMoney Market Fund in IRA for RMD11/10 LarryG08:55 dbr
13hFIRE Roth Ladder Tax Question11/12 Paradise08:54 Paradise
15hWhich BOND Fund in Taxable at 22% Tax Rate11/11 Rajsx08:49 skeptical
7hTaxable account11/12 Eastcoaster21208:48 Lalamimi
9hVanguard Market Outlook11/12 rockthisworld07:14 lazyday
15hNew member, and advice seeker..11/08 Bankroll07:12 Olemiss540
32hInternational Small Cap Value?2016 rattlenap06:44 dcabler
5hHave a regular TSP, should I consider a Roth TSP?11/12 LuigiLikesPizza06:29 billfromct
14hQuestions about Fidelity Charitable DAF11/10 Saving$00:11 increment
3hFund similar to Fidelity FFIZX?23:11 sugarandspice23:49 sugarandspice
11hMuni guidance for $15m portfolio11/09 crossroads22:54 sfmurph
6hTSP question11/12 tman994021:57 3504PIR
11hSearching for broad ETF that tilts value11/12 yaqub21:36 yaqub
7hPortfolio adjustment help11/11 gndibot21:35 gndibot
2hUSRT For HSA11/11 gogent21:31 grabiner
33hTax Gain Harvesting and Dividend Schedule11/11 LIGuy8221:28 grabiner
10hUTMA v. 529 in no-tax state11/10 Cash21:18 Cash
53hRoth 401K or Taxable11/01 CCD20:51 bradpevans
47hWhat’s in your TSP?11/09 tomwood20:35 peseta
4hPortfolio Advice - Near Retirement - New Investor Needs Help!11/12 dogbros19:49 HomeStretch
25hinheritance11/10 Schwing198519:26 Schwing1985
123tJack Bogle - Two Fund Portfolio2016 abuss36818:58 galawdawg
380tBest CD rates thread10/07 indexfundfan18:56 Kevin M
1895tU.S. stocks continue to soar!2018 GoldStar18:52 Trader Joe
97tIf you were forced to pick an alternative asset...11/09 eleventhstreet18:51 nedsaid
138tRich people are hoarding cash09/09 hdas18:50 Trader Joe
11tHelp me understand Owl Rock's 7% return14:37 Maven18:45 arcticpineapple
19tMOM is real, too bad it doesn't work11/12 garlandwhizzer18:44 nisiprius
914tVariable Percentage Withdrawal (VPW)2013 longinvest18:17 retiringwhen
1966tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab18:12 placeholder
33tSaving for a new vehicle11/08 Gretzky18:08 stoptothink
0tHow to hold title to rental properties17:49 unclescrooge 
6tMoney Revealed09:00 SSM117:42 Portfolio7
70tLong Term Bonds getting killed today11/07 hdas17:30 Lee_WSP
21tAlly savings rate changing11/12 Gnirk17:26 anonsdca
70tNew era for TSP "I" Fund?2018 Darwin17:00 stan1
12tEric Balchunas, Senior ETF Analyst at Bloomberg is my guest on this "Bogleheads on Investing" podcast.11/07 Rick Ferri16:38 Dave55
4tBest Book for 20-something starting a career12:28 bgyt16:07 retired@50
28tFlaws with 4% Rule?11/12 AverageInvestor16:01 randomguy
132tDebunking Bonds in Taxable2018 Cartographer15:37 international00
26tOrder or distributions on Roth IRA10/23 international0015:31 retiredjg
336tA time to EVALUATE your jitters2011 nisiprius15:22 boglesmind
12tVanguard and basketball04:11 asset_chaos14:42 JBTX
50tBitcoin Talk06/22 Enganerd12:18 clockman323
28toptimal strategy for exploiting robo-advisors11/08 ksJoe11:52 lazydavid
333tSmall Cap Value heads Rejoice !!!06/03 hdas10:32 YRT70
0tScott Burns article on the "Decumlation dividend"10:14 goblue100 
18tThe "Armchair Millionaire"- the "original" 3 fund portfolio?2018 sleepysurf09:03 siamond
58tVgd alt strategies fund (vasfx) open to retail investors?2018 grok8708:51 grok87
150tChanges to Morningstar Website?07/18 Call_Me_Op08:21 Richard1580
132tIsn't lack of transparency in China a huge risk for international stock index?10/15 Vision06:29 columbia
12tDefined contribution vs defined benefit retirement plans00:02 danielc02:40 iamlucky13
1469tHEDGEFUNDIE's excellent adventure Part II: The next journey08/11 HEDGEFUNDIE01:23 Pandananana
8tDow closing11/12 theduke22:37 rocket354
35tWhy no one created a etf of dividend free stocks11/09 sharukh19:20 aristotelian
7pRoth IRA guidance08:31 Gritty110918:59 Stinky
7pTeenage Driver Accident - Insurance advice needed13:31 jlm41118:59 willthrill81
62pThe difficulty of discarding frugality?08:12 midareff18:57 willthrill81
21padult child moving back09:25 SSM118:54 uberdoc
43pAre complicated credit card cash back strategies worth it?01:52 hungrywave18:53 ARoseByAnyOther
63pCash & Checkbook Register Reconciliation08/31 abuss36818:49 Toons
14pCollection Calls Right After Death17:52 DonDraper18:45 Stinky
122pSeller's agent not letting us use a buyer's agent11/08 jks198518:34 LadyGeek
26pOnline MBA - Worth It?22:15 KandT18:25 khangaroo
3pShould I offer to extend my rental lease?17:31 28fe618:23 FelixTheCat
100pH&R BLOCK Pre-Order 2019 Software Offer10/30 patrickscott18:14 palaheel
4p401k loan analysis08:19 FL37018:04 FL370
27pForgotten Expenses in Retirement--Travel08:37 cresive17:58 VictoriaF
1pBuyer's agent commission refunds: Hungry Agents, Redfin, others?17:19 markfaix17:58 BruDude
3pTax on a Legal Settlement - Form 104017:15 DavidRoseMounta17:49 DavidRoseMounta
19pLooking at buying a foreclosure Dallas area cash19:52 totallystudly17:48 boaski
5pNeed Help - DW job loss transition period bonus negotiation17:00 NYGiantsFan17:36 Trader Joe
1pMath/excel help -present value, future value, inflation16:37 ray.james17:32 fyre4ce
30pHDHP over BCBS Basic for Feds?11/11 RJC17:30 VictoriaF
5pShould DW go down to 11 month contract?11/12 fortfun17:29 DVMResident
7pFixing a bad inherited tIRA situation13:09 jcompton17:13 MarkNYC
38pHomeowner's: notice of non-renewal. Where/how to shop?09/05 lairdb17:08 dm200
50pWill I be audited?11/11 Ddd765117:04 Sconie
20pSingles/DINKs in HCOL/VHCOL areas, can you please share your budget?11/08 Plz17:04 Sandi_k
101pTurbotax 2019 on Amazon11/06 deanmoriarty17:01 changingtimes
14pEmployer requesting increased travel13:29 lassevirensghos16:54 rich126
21pShould I do a cash out refinance?11/12 dmk39516:49 Grt2bOutdoors
1pWidow Social Security Benefit - time limit?16:32 CAsage16:46 dodecahedron
2pCould someone explain these numbers to me?15:29 BoogieShoe16:42 BoogieShoe
4pLaurel Road / Mohela Student Loan Payment Not Applied10:07 destinationnc16:41 CAsage
17pHow do wills work (in a case like mine)22:49 oldguy16:40 fourwheelcycle
5pBuying(or leasing) a car with OOS ID11/12 OCDinvestor16:32 Nate79
89p[Proposed changes to 401(k) and IRAs, SECURE Act]05/23 kardan16:14 LadyGeek
4pWhat happens if you go over 529 max?15:40 hungrywave16:03 anon_investor
6pHSA/HDHP11/12 AzleaHeights15:55 AzleaHeights
32pBudgeting/Expense tracking06/26 dbthegeneral15:40 jgalt133
23pHow to start a business08/27 CraigSutta15:31 onthecusp
49pI think my friend is already financially independent (through a fantastic bitcoin investment), can you confirm?11/11 JacobTeach15:28 bltn vs Vanguard solo 401k at higher income levels12:21 Saver2115:23 Spirit Rider
24pGrandparents helping with college11/12 SocraticQuestio15:08 markcoop
1pLegal entity for a non-citizen10:44 ny1003614:43 Pitagoras
0pWork in home health? How are you paid?14:29 angelescrest 
52pInsane Bloodwork Cost (Quest Diagnostic)2017 fantasytensai14:14 hs5chang
38pMedicare [Can I contribute to a Health Savings Account?]2017 jazzbeat10111:51 rivercrosser
76pFirst Republic Bank doesn’t have physical coins10/25 DualCitizen11:41 Dottie57
12pRetiring in early 2020, want to stuff preferred tax vehicles?04:33 TresBelle6511:04 David Jay
21pSimple Bank - ACH to/from a "Protected Goal" account11/11 Ricchan10:58 SlowMovingInves
2p250k Live off of or put in Index funds05:56 snowox10:35 David Jay
6pQuestion on personal accounting costs for tax preparation08:04 couchpotatoadop10:27 HomeStretch
9pHSA questions22:17 kinaokole10:23 kinaokole
4137pWhat's Your Credit Card Rewards Strategy?2016 guitarguy10:20 rjbraun
19pMonths Leading up to Retirement11/12 GiannaLuna09:53 GmanJeff
6pPaying for Medicare Via Monthly Social Security Distribution11/12 muddlehead09:52 muddlehead
5pIntra Family Loan tax consequences11/12 MrMojoRisin09:50 Spirit Rider
12pTiming on self-employment and income tax11/09 socialforums20109:46 Tamarind
18pHow to Calculate Qualified Expense (for 529 Plan) for College Student Living at Home10/27 HomeStretch08:56 Spirit Rider
84pRefinance Mega Thread09/01 AZAttorney1108:55 4th and Inches
11pAttorney Career Advice needed11/12 CorradoJr08:31 Valuethinker
43pFidelity - promotion bonus11/05 johnubc08:27 sperry8
3pRelationship between the 1 and 3 mo LIBOR, utility of refinancing variable rate loans22:48 mrfoxdoc08:20 Valuethinker
2pOffsetting short-term loss with long-term capital gains to reset cost basis11/03 co49d0x07:23 MikeG62
7pHSA catch-up contribution to 2 separate accounts11/12 Clarice07:04 Clarice
9pPension Lump Sum Offer - Monthly Big Mac in 2047?11/09 kinetic225506:19 Silk McCue
43pAlly Savings Rate drops to 1.8%10/09 Rob5TCP06:10 MikeG62
145pDo you charge your employer for the time that you spend working on your off days?11/08 CobraKai23:36 Watty
6pHigh deductible insurance vs basic11/12 Abarn23:09 toofache32
54pHomebuying in Los Angeles - Advice Needed11/11 poppy4222:29 A-Commoner
358pHow to Minimize Your Emergency Care Expenses2018 White Coat Inve22:01 kinaokole
151pAnyone want to share their monthly budget? Here's ours2018 jehovasfitness21:56 catlady
1pRisk analysis of having HSA vs. PPO Plan20:58 haranoth21:56 grabiner
6pSocial Security Retirement Benefits02/27 WWO20:36 phornsby
9pDistribution of principal from a bypass trust11/11 ChrisLA19:55 ChrisLA
1202pFidelity as a one stop shop12/15 BogleMelon19:39 ARoseByAnyOther
13pBeneficiary Settings in brokerage accounts11/12 fm304019:31 mptfan
8pHow to shop for term life insurance11/12 28fe619:20 Brianmcg321
3nHow to buy a few thousand shares of VWCE?11:41 nick_r18:45 glorat
0nPortfolio Review - Germany18:22 dartagnan 
21nComparing VWRA with IWDA+EMIM combination08/13 BeBH6516:24 nick_r
37nAdvantages for US persons abroad11/09 wineandplaya12:28 bgreat
2nNon resident Alien considering relocation from US to EU11/12 Useful_Monk09:37 Useful_Monk
4nReceiving an International Bank Wire Transfer Questions11/12 waltman30007:10 RubyTuesday
41nEuropean, dutch investor here: Is investing in VTI and VXUS still a good choice?02/16 finrod_200207:04 finrod_2002
3nBeginner - US/JP dual citizen in Tokyo02:16 whizzo06:59 TedSwippet
2nMy Portfolio - Seeking Advice. Romania. 4 Currencies.11/12 bravenewworld05:44 buylowbuyhigh
4nPortfolio Review (Australia)20:15 alex12371105:08 andrew99999
44nEuropean in the US wants to FIRE in 5 years. Questions.10/07 euinvestor123421:16 wineandplaya
15nEU investor: 7M+ in VWRA vs SWDA + EIMI (or a combination) and partially hedged global govt bond ETF11/07 cafe7220:58 glorat
3cWindows 10 Version 190916:11 12318:56 123
4104cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt18:52 bertilak
46cBlankets/Bedding for Cold Winter Nights11/12 CaptainSaver18:47 westie
20cApple TV vs Competitors01:25 DTalos18:33 abuss368
27cSnow tires11/11 OldBallCoach18:27 OldBallCoach
12cPersonal Cloud Storage NAS - I'm Interestd!07/31 ddurrett89618:13 RetiredAL
26cWould you buy a Galaxy S9 now?11/12 BogleFanGal18:03 Kenkat
30cRoku - is the Express sufficient?11/12 Triple digit go17:59 Triple digit go
569c[What UN-frugal thing do you do? What do you splurge on?]2014 Professor Emeri17:43 VictoriaF
30cAnyone had their house repiped?11/11 Jwulgaru17:35 nguy44
12cDisney plus streaming deal08/28 mhalley17:23 SuperSaver
13cBring A Trailer (car auction website)10:29 eucalyptus17:07 Jack FFR1846
25cExperience/cost MLB spring training?11/12 dm20016:54 dm200
5cProductizing an idea15:02 InvestingGeek16:39 unclescrooge
210cSaving seats on Southwest11/10 squirm16:09 LadyGeek
58c(Sigh) "Wasting" year-old smoke detector batteries...11/12 nisiprius15:59 anon_investor
17cOutlook email PST file is corrupt, need advice11/04 carolinaman15:30 RetiredAL
9cUndergrad major psychology10:20 goru115:28 chrisam314
27cWater hammer11/11 Swansea15:25 Reamus294
25cIs LastPass still top in security, any reason to switch?11/11 squirm14:50 michaelingp
4cwould appreciate your thoughts [circuit maker]20:57 micooch14:33 Broken Man 1999
10cHelp :- Need a power wheelchair11/09 glee27314:24 Dottie57
13cRomantic northeast winter weekend getaway?11/10 Bob Sacamano14:08 jharkin
5cCondensate pump recommendations wanted11/12 dalbright14:02 TnGuy
75cRetired Boglehead obsession with money- devil's advocate2017 protagonist13:49 Pigeon
4cSwitch Citi Thank You Preferred for Prestige + card?11/09 protagonist13:03 tev9876
5cHearing Aid Question11/12 Bigfish13:03 mhalley
10cCarbon Monoxide Alarms11/12 boater0712:45 squirm
37cBuying Wall-to-Wall Carpet: What Do I Need to Know?2013 Oilburner12:31 Dottie57
12cIHG credit card and Rewards Nights ...11/11 rjbraun12:26 rjbraun
20cKindle/Paperwhite -E Reader11/10 GiannaLuna12:09 Finridge
16cacura rdx or mercedes glc300 small luxury suv11/12 lomarica0111:30 randomguy
52c"Beer Money" Methods11/06 CryingHawaiian11:01 sunny_socal
45cTech guys need help with Mesh wifi booster...11/10 Ykcor09:14 michaeljc70
19cLos Angeles to San Francisco Roadtrip11/11 aude09:13 JackoC
5cSetting up a new android phone11/12 tc10108:06 michaeljc70
6cCraigslist vs Kelley Blue Book cash offer for car06:04 EnjoyTheJourney06:44 runner3081
47cWeddings - The good? The bad?11/05 skntwi23:28 Sandi_k
22cFruit Fly Problem11/10 runner921:22 sarahjane
41cAny Western CO Folks Here (Durango?)? - Would you Rec?08/11 TallBoy29er19:25 jello_nailer
14cphone bloop2015 mouses19:19 totallystudly
34cSmart Garage Door Openers11/06 mtmingus19:05 WorldWanderer
1012lPost your Financial Milestone Announcements Here2017 VAslim1612:07 Hopeful
104lArizona Chapter2018 mabromovitz06:44 FHBoglehead
141lSeattle Area Chapter Meetings - Master Thread2015 delconte19:11 Elsebet
5fError Message while PMing06:28 bhwabeck353309:11 bhwabeck3533

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t = Investing - Theory, News & General
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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