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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

1577 new posts and replies over 235 topics in last day (sorted by subforum). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
6hWhat to do with variable annuity at retirement age?09:30 discman01710:18 hirlaw
2hDetermining the "Better Buy"10:08 BoggledHead210:16 Alexa9
12hTax Exempt Bond Funds - Intermediate, Long Term, High Yield10:41 Hogan77310:15 David Jay
0hInvestments for HSA10:11 JayinLA 
0hNew to HSAs need help - HSA Bank (TD Ameritrade) + Cigna10:05 jbsmith05 
16hReasonable cost for a forever home?15:35 NRoy10:04 grkmec
1hInvestment mix advice09:48 CozDiver10:02 retiredjg
0hHelp my dad is nearing retirement09:56 rockthisworld 
4hhelp with asset location10/15 cheapskate9739709:54 retiredjg
6hHelp simplify my portfolio10/15 scutu09:42 scutu
1hRetirement options?21:11 The-Stig09:35 bloom2708
36hInternational Fund Down - What to do?15:33 WentzWagon09:31 J295
2hAlly Bank Transfers21:50 boater0709:05 2015
7hAm I hitting the important asset classes?16:34 StarDolphin08:55 retiredjg
0hEUR+USD complicated portfolio for better yield08:48 bonzai 
4hHelp me understand06:58 MPLSTCH08:38 goingup
6hHoping for clarification on bond fund questions17:00 Hilltop08:09 Hilltop
10hCritique my Finances Please10/06 uconnlj08:03 bloom2708
2hEvaluation of Portfolio07:19 RickBoglehead07:54 RickBoglehead
19hConvert TIRA to Roth, nondeductible10/15 AstroGirl07:45 GrowthSeeker
0hMultiple Backdoor Roth Conversions each year for same tax year07:41 tfspear415 
4hMore safe: Treasury ETF or Bank Account20:21 jeffreyalan07:28 whodidntante
19hTransfer VTSAX & VTIAX to Chase You Invest?10/16 Zorn07:17 Zorn
13hIntroduction and some questions!09/23 marksmall06:49 jakehefty17
19h30 y/o Boglehead student, advice for 65 year old Retiring Father13:06 jefscott706:31 Tdubs
8hWhen to TLH?10/15 northtexan06:07 rkhusky
5hNeed brokerage advice, US person living abroad17:38 john7705:26 TedSwippet
8hPay CGs now to move into Index, or hold?11:03 ndnboy05:18 ndnboy
26hVanguard changing my Admiral shares to Investor Shares10/15 RetiredInTN201705:03 indexonlyplease
6hAdding significant contribution to grandson's Utah 52915:47 loves2read03:04 inbox788
17hWhat to do with inheritance10/13 jkers02:54 MJS
9hHelp: Moving Stocks to Index Fund10/14 siankisr01:37 BL
4hstreet shares08/03 barberakb00:43 JoMoney
20hDoes Lifestrategy make sense in Roth IRA's2017 Cody00:38 jalbert
6hHelp with Fixed Income Allocation in Early Retirement10/15 hawkfan5523:50 rj49
3hTaxes: Selling/gifting appreciated shares while income is low10/15 LinusP23:38 LinusP
15hTax loss harvesting: Long term vs. short term losses.10/13 MNGopher23:16 White Coat Inve
4hInvesting During Retirement21:57 Helpmebogle22:28 Ron Scott
8hCREF Global Equities as 403b VTWSX equivalent?10/15 lassevirensghos22:10 jalbert
0hportfolio, plan and early retirement21:49 SSM1 
6hHelp! Federal Employee Financial advisors?? FFEBA? ChFEBC?09/29 Gelsomina21:09 Taylor Larimore
9hHow to invest maturing CDs10/16 carolinaman21:08 SpideyIndexer
0hprojected 2018 dividends and CGs vs 201720:59 SpideyIndexer 
14hMoving to company that allows Mega Backdoor Roth Conversion - Any prep needed?10/12 confused120:43 pyld76
4hProductivity of the 60/40 Split in Current Times12:19 Kendrick3320:37 pyld76
10hTransferring $1.2 Mil taxable to Vanguard13:56 PQ12$20:33 PQ12$
6hRollover Timing Risk19:30 JerryB20:32 FireHorse
3hUsing Target Date Funds as Buckets12:10 Lonegunman20:30 delamer
5hNeed Assistance for Pre-retirement Planning10/14 beachretirement20:29 beachretirement
55h"MegaMillions and Powerball jackpots combined are now $1B" - Good investment?16:17 bo10595402720:29 LadyGeek
3htax loss harvest VTIAX to VFWAX?15:19 miket2918:58 MotoTrojan
22hInvest in target date fund or do myself? Poor return Schwab Private Client10/13 TopCat12318:56 Freefallin
11hOn investing [non-US resident] Dad's money10/15 malbec8418:30 galeno
11hComplete newbie here! Would like help determining Roth vs Traditional IRA...10/15 IWTLinvesting18:08 FiveK
39h$50,000: Should I buy now or wait for the market to drop further?10/13 Sophia188417:30 stocknoob4111
2hWhat does having bond ETF in Tax Advantaged accounts mean?16:13 gmehta17:05 delamer
4hSelf directed or Checkbook IRA10/16 4nursebee17:03 megabad
47h6 month Treasury Note: "Bond" or "Cash"?10/11 triyoda17:03 triceratop
12hFeedback on Kai-Zen premium finance life insurance plan10/14 andy201216:49 TomatoTomahto
26hLeaving Payflex HSA - avoid account closure fee?05/01 The529guy16:33 yaynick
9hPortfolio, Investments, Spending Feedback - What would you tweak?10/15 deleteereto16:30 megabad
3hMoney Markets and CDs now11:42 John316:28 2015
6hTaking RMD from Vanguard10/13 coffeehubcap16:26 heartwood
15hadvice on first home14:14 jezo16:22 stm
4hPortfolio reconfiguration10/14 bigballertexan15:40 megabad
171hTime to reach 1M and 2M milestones2015 sanfran201514:55 thegr881
6hCompleting My Portfolio Re-balance - Feedback?10/15 olliema14:18 Ron Scott
17h8-month windfall check-in08/27 ticktocker14:15 aristotelian
6hMarket timing mistakes relative to joining BH Forum10/16 helloeveryone13:51 helloeveryone
15hPortfolio Review - Seeking Better Simplification10/03 TinyElvis13:36 TinyElvis
4hUC DCO's too high return? [Univ. of CA Defined Contribution Plan]10/15 cal14912:55 staythecourse
1hOpening a second (totally separate) Ally account12:31 investor4life12:42 mhc
8hLooking for 401k advice10/03 Cobra_R12:28 Cobra_R
8hFinally ready to start investing in RothIRA (23yrs old)10/16 ynotyese.712:08 BL
16hFirst time TLH Questions, constrained by spouse's work10/15 SDLinguist12:01 ofckrupke
2hBackdoor Roth IRA Confusion11:27 BajaMig11:38 BajaMig
30hChase Private Client -- Worth it to hold Vanguard Funds?2017 Mark261411:23 Mark2614
8hLazy Portfolio with Ireland Domiciled Funds10/15 investhelp1234511:21 ICH
6tflattening yield curve and tlh treasuries22:09 gips10:20 Doc
96t"Why Jack Bogle Doesn't Own Non-U.S. Stocks"13:29 Taylor Larimore10:17 cheezit
320tU.S. stocks continue to soar!08/27 GoldStar10:09 watchnerd
15tVanguard screws up rollover from TSP10/15 02nz10:04 jeffyscott
41tLarry Swedroe: Prepare For The Bear10/15 Random Walker10:02 nedsaid
6t401k for S-corp - Do we increase salary to maximize the employer contributions?20:24 foursix10:00 jacoavlu
30tBetter to invest in taxable and not deferred?10/13 Elysium09:56 not4me
154tVanguard has switched to brokerage only accounts2017 goshenBogle09:33 sport
46tEmerging Market Bond Funds10/08 hdas09:20 ThisDinosaur
50tWhat tools do you use to track your finances?10/08 spreadsheetguy09:19 scrabbler1
10t2017 Social Security AWI / Bend Points released10/11 David Jay09:18 Faith20879
0tLarry Swedroe: Trend Following & Managed Futures09:10 Random Walker 
1tSEC Yield08:33 Duffydog108:47 LukeHeinz57
1237tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab08:37 WentzWagon
94tHelp me understand dividends2016 rbaldini08:35 Feraud
133tFidelity Full View transition to eMoney07/28 crefwatch07:41 flatiron
158tCorrelation between the FIRE movement and one of the greatest bull markets10/03 timotheon07:27 lazydavid
12tStreet Smart bonds07/09 pgs5906:29 z3r0c00l
5tDividend withholding makes actual ER of Total International 0.32%?21:55 financeperchanc02:44 pokebowl
108tIs EMH a tautology?10/13 Lauretta23:19 willthrill81
8tWhat was max drop in 2000 and 2008?18:25 kayanco23:08 MotoTrojan
61tDoes Fidelity offer the best index products for a passive investor compared to Vanguard10/12 Elysium22:42 retiringwhen
24t30 yr TIPs auction: Oct. 18: 1.2% real yield?10/14 grok8721:50 gmaynardkrebs
187t"Safe" Withdrawal Rate for Early Retirees (or any retiree)10/08 Rowan Oak20:58 Ron Scott
1tVNQI (Global ex-US Real Estate) vs. VNQ (Real Estate)13:01 KJVanguard20:23 typical.investo
115tSears, a 125 year old company is now a penny stock.09/28 arcticpineapple20:17 willthrill81
105tRich, Broke or Dead: Visualizing probabilities of outcomes in early retirement09/28 EnjoyIt19:21 remomnyc
8tThe Section 199A Tax Benefits Of REITs Over Direct Real Estate Investments at by Jeffrey Levine09/26 arcticpineapple19:17 grok87
5tTax loss harvesting question10/16 Gamma Ray18:42 Gamma Ray
7364tU.S. stocks in freefall2011 Lbill18:38 onthecusp
51tHuge drops in VTXVX and VTHRX [Vanguard Target Date Funds]10/15 zvez18:33 LadyGeek
1t8-week t-bill debuts tomorrow 10/1610/15 MnD18:26 Angst
37tDoes anyone consider institutional risk?10/12 LMK518:23 edgeagg
451t2-year CDs at Vanguard and Fidelity Today04/05 Kevin M18:16 Doc
24t"Retirement age uncertainty increases the savings needed for success"10/07 AlohaJoe18:02 intangiblemoney
3tStupid question on treasury direct14:52 dimbmw17:22 Phineas J. Whoo
25tDGS: Own it? Opinions on it? [WisdomTree Emerging Mkts SmallCap Dividend]10/12 KJVanguard16:51 Longtermgrowth
15tMonthly vs. Annual Withdrawals10:40 chuckb8415:58 retiringwhen
13tSocial Security COLA - how is it applied?10/13 David Jay14:37 FactualFran
183tVanguard's Wellesley Income fund is incredible2017 willthrill8114:19 KJVanguard
104tTurkey/Turkish Stocks down 32% - approaching 2008 levels07/24 BuyAndHoldOn13:31 princetontiger
23tOctober Bogleheads On Investing Podcast with Dr. David Blitzer10/05 Rick Ferri11:27 ICH
19tShould I sell Microsoft Bond10/15 hoops77711:15 hoops777
9t401k/IRA vs. Roth IRA10/12 FireHorse10:52 FireHorse
11tWhat Jack Bogle Expects From the Market10/15 Rowan Oak10:35 azanon
12tHow much of a dip do you want before you TLH?10/16 Hulk10:28 michaeljc70
5pPaying off the mortgage early - Isn't this the opposite of "putting more money into your house"?09:48 Rowan Oak10:20 DJN
120pAlly Banking 1% extra back up to $1,000 on new money deposited10/15 LSLover10:20 seek1227
26pDid you retire because you hit your number?06:48 Ron Scott10:18 Watty
42pWhat do you consider 'enough'?18:32 intangiblemoney10:14 TN_Boy
1pHow to avoid exposure from owning rental properties09:44 jrk10:12 ResearchMed
0pSocial Security Restricted Application10:09 Frisco Kid 
9pWallet-size personal investing handout to jumpstart learning.14:41 dratkinson10:05 edgeagg
22pWhat would you do with unexpected tax refund?23:18 johnsac10:03 johnsac
5pHow much life insurance for cancer survivor? OR, can I even get insured?09:06 doss10:03 BruDude
8pToo good to be true; what am I missing?00:01 viz10:01 MotoTrojan
6phow to buy parents a house in Florida (with cash)17:48 briansacct09:48 3feetpete
3pRetired applying for credit cards09:09 Da5id09:47 Jazzysoon
15pindependent advisor10/11 SSM109:43 White Coat Inve
67pThe Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 201809/29 timmy09:39 sailaway
7pExceeding Income Limit for Roth IRA Mid-Year?20:35 RyanJC09:38 retiredjg
6pMedicare Supplements10/16 rbslos3609:31 Steelersfan
26pInflating AGI to avoid paying back ACA Premium Tax Credit10/16 BrianJM09:20 2015
28pSocial Security [impact of earnings on benefits]10/15 capen246809:15 hulburt1
27pNeed guidance on charting next life steps10/14 kurious09:10 KlangFool
1pHSA-like vehicle for self-employed without high deductible plan?08:52 pbjmachine09:04 niceguy7376
0pTax simulator for 201909:02 guliver 
47pKids not interested in money / allowance10/15 petrisunset08:24 Uniballer
5pTravel insurance from chase sapphire card12:33 Xbar1783608:02 fireman
69pLong-term Care Insurance10/14 willyd12307:49 marcopolo
425pRetiree Portfolio Model2012 BigFoot4807:46 BigFoot48
4pI-bonds to 529 to grandchild10:32 jeffyscott06:54 donaldfair71
770pVariable Percentage Withdrawal (VPW)2013 longinvest06:54 Emilyjane
1p5% ESPP05:11 BUBear2906:16 Jack FFR1846
1pAmended return required when error only impacts capital loss carryforward?04:25 sfchris05:19 Spedward
49pRelocation to California10/15 jeffreyalan00:12 boglerdude
10p[Do I need to file IRS Form 1116?]10/14 Kiyomikote23:24 Kiyomikote
27pElder care tax question(s)10/09 CRTR22:36 SoAnyway
30pcan't use testamentary trust as beneficiary, what next?2016 annabel22:36 bsteiner
18pGift for two of four grandchildren10/15 focusedonwhatma21:02 golfCaddy
34pKaiser or CareFirst10/13 wassabi20:09 madbrain
6pHelp Setting up Solo 401k12:43 crazygrow19:26 Spirit Rider
641pPicking College and College Scholarships2016 timmy19:04 timmy
10pVanguard not allowing reversals of Roth IRA recharacterizations11:36 liuruyu18:42 LadyGeek
1pHSA Excess Contribution09/18 Brantley18:37 Brantley
1pMoved from ETrade to Fidelity-quick update-is this normal?14:57 mrmass18:23 simas
4pIs there a penaly if I owe taxes in April to IRS due to repayment of ACA Premium Tax Credits?10:41 celentano18:09 Phineas J. Whoo
8pHelp me fix my life insurance situation...10/15 pj198318:09 kelvan80
7pAny good 2018 CA tax calculators out there?10/02 malbecman18:04 malbecman
8p5 Year CD Coming Due10/15 Reubin17:36 Austintatious
6pHSA contribution for divorced non-custodial parent10/15 pevgeny17:33 pevgeny
620pHow much money do you want to retire?2017 benign_user16:33 AnonJohn
88pWhen to stop putting money into an older vehicle10/14 rashad300016:26 badger42
3pCA property tax > $10K, any options to deduct all?14:58 a010z16:23 London
20pPPO vs HDHP + HSA10/15 Xanadu16:22 AnonJohn
6pOnline statements/ mail Vs paper10/13 OneWorld11116:17 2015
368pfree dinner investing seminar02/07 pkcrafter15:55 mickeyd
37pPlacing mother in nursing home - advice10/14 JDTHOOSIER15:34 carolinaman
25pSell & Buy New Home Now vs. Next Spring10/16 SeekingBogle14:53 SeekingBogle
10pHigh APY Checking10/15 ProfWengen14:26 tj updated to include spousal benefits07/30 gregable14:16 changingtimes
9pWill or Trust?10/12 Kanefa14:07 Watsd
3pCarefirst PPO, POS, and HMO -- best choice for healthy?10/16 MnyGrl13:52 DarkHelmetII
70pIs it worth filing FAFSA even if you know you'll get nothing?10/12 LMK513:10 LilyFleur
3p1040-ES missed Sept 15 payment10/15 MnD12:43 PaddyMac
1pPayments between Schedule C businesses of family members10/15 m2go12:40 PaddyMac
10pACA subsidy repayment for s-Corp owner10/15 skor9912:29 tfb
4pPSA: Oct 15th last day to buy Tesla for guarantee to qualify for $7500 federal tax break.10/15 avecmoi11:59 wrongfunds
3papartment building FCF spreadsheet11:29 tmcc11:57 tmcc
14pSavings Bond Wizard replacement is available05/01 Sheepdog11:41 maywood
26pJob Offer – bonus details provided after acceptance10/16 DarkHelmetII11:38 cheese_breath
2pHome Insurance Policy10/16 omeganuts021310:48 omeganuts0213
33pSingle Family Homes in Chicago?09/14 weir_everywhere10:45 staythecourse
11pBest Checking/ System for Cash Management/ Sweeping?10/10 PeterParker10:42 mervinj7
36lmetro Denver Bogleheads?2017 BsmartSM10:13 Mel Lindauer
308lRoll Call for the Retirement Class of 2018!2017 NCPE08:18 PaHumbug
24cHDMI Splitter or Switch?10/15 mancich10:18 wrongfunds
18cBuyers commission on a condo purchase10/14 DartThrower10:17 michaeljc70
18cGoogle's Titan Key for 2fa10/10 linenfort10:16 michaeljc70
15cCross-country trip via Amtrak02:27 catdude10:15 Teague
60cShould we move to San Diego from east coast?10/14 tin36910:13 tyrion
30cJury duty - already booked vacation10/16 FB0110:12 jacksonm
17cMaserati Experiences23:14 watchnerd10:09 DJN
17cZion Nat'l Park & mosquitos in October?10/15 R2D209:59 R2D2
9cBest way to complain about Hertz bait-and-switch?08:20 CFIT09:52 michaeljc70
3756cWhat Movie Have You Recently Watched?2014 abuss36809:49 bo105954027
14cWhy buy thicker hardwood?20:41 batpot09:22 lthenderson
70cNeed new email address. Gmail or ???10/13 RudyS08:59 jharkin
12cPet Insurance company recommendation10/16 Swansea08:44 maggsmaggs
3cNon-profit: SMS/text based survey tool experience10/13 CollegePrudens08:25 CollegePrudens
21cNew Snowbird- Tucson AZ10/01 mrgeeze07:58 scifilover
40ctrip to Grand Cayman & dieting [while on vacation]10/14 camillus07:49 vpm8889
47cCancun in a few weeks10/13 Flymore07:44 Flymore
6cVisiting the Statue of Liberty20:10 stilllurking07:39 Jags4186
6cHelp: Potential car lease fraud?10/13 seashell07:39 FlyAF
57c$34k Volt vs $54k Model 3?--help me decide??07/04 ebotrd07:35 mmmodem
41cNot convinced with insurance10/13 car73306:16 Bengineer
175cHow many of you have cut cord?2016 Ryanlion850622:56 22twain
5cSRS Airbag Light On In Car16:56 SVariance122:21 Doom&Gloom
39cPersonal Adventure - recommendations14:13 seychellois_lib22:01 heyyou
25cSneakers with good arch support12:56 clemrick21:51 MJS
73cHow Much Is Your Sewer Bill?10/14 TheDDC21:25 bradinsky
569cMy 2017 CRV is a victim of the dreaded oil gas-dilution issue03/14 CULater21:00 daren12
9cAttempted fraud against my frozen credit - Need I do more?10/15 luap20:43 arcticpineapple
0cHow long for Social Security to issue new card for name change?20:35 Rainmaker41 
316cGood Modern Science Fiction2014 gatorman20:27 DigitalJanitor
9cLast Will and Testament Question10/16 Prudence19:58 GrasRootsAdvisr
30cAdvice on Three-Night English Road Trip10/05 anonenigma19:41 obgraham
24cCorporate politics/culture10/15 prettybogle19:03 Valuethinker
10cshort term insurance between jobs10/15 fiverus16:20 dm200
7cde-balling down comforter?10/15 Theseus15:58 retiredjg
38cDIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?09/20 Saving$15:25 2015
41ctablet or small laptop for general and travel computer?10/11 albireo1315:15 rjbraun
0cUsed car advice in Australia13:38 serioussam 
209cThinking of moving to Texas, Iowa, Idaho, or North Carolina10/02 nkotbbh13:26 beardsworth
0cWill Uber card pay for Amazon Prime Student membership?12:00 Ndop 
35cTesla Model 3 Owners: Your experience so far09/05 InvestoGuy11:54 wrongfunds

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t = Investing - Theory, News & General
p = Personal Finance
c = Personal Consumer Issues
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