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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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1618 new posts and replies over 227 topics in last day (sorted by subforum). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
81hFidelity Money Market Funds for everyday expenses01/12 FabianMontescu00:39 MisterBill
0hYear End TLH, TLH partners00:38 RetireGood 
12hUnderstanding dividends (NRA in SG)12/15 bubbasour00:32 bubbasour
14hWhat is a good very safe Vanguard fund?18:09 LXEX5500:32 mouses
9hSocially Responsible Funds12/15 Nomadix00:00 harmony
7hBottom fishing22:14 ProfitMD23:51 delamer
104hI made a mistake by not selling when the market was high this year12/14 sheople223:44 Chimz
36hAGGG vs AGGU? (French, 30, living in Singapore)12/01 dulac23:27 ICH
1hUnwinding Separately Managed Accounts20:52 Huygens23:22 mhalley
6hHouse all of my bond contributions in 401K? Viability of 401K16:01 Benjamin Buffet23:04 jalbert
9hVanguard or Employee Fiduciaary for 401k21:36 twowheeler22:50 Saving$
7hHow to decrease stock AA when it's in taxable21:44 jmk22:07 phantom0308
11hTax Loss Harvesting Question - Simple15:05 multiham22:05 go140point6
23hPassing assets to next generation, best way !!!19:47 LiveSimple22:04 F150HD
6hSelling well performing etf to purchase one that is on sale20:22 milosz1921:20 retiringwhen
12hVTEB vs. VWIUX Distribution yields14:18 sf_tech_saver21:17 sf_tech_saver
2hFidelity funds and Ishares ETFs for taxable account19:29 OldSport21:06 tony_roach
2hReal estate income for Roth?18:34 4nursebee21:01 Kinkelly
22hQuestions: moving Fidelity solo 401k to VG?12/14 new2bogle220:59 southerndoc
8hMy 401k has no bond index fund options16:24 salvelinus20:52 aristotelian
4hWhere should I put my money?13:15 CatfishLee20:44 Peter Foley
17hProtection of brokerage accounts in Vanguard / Fidelity with more than 250K / 500K03:00 ThisJustIn20:35 JoMoney
11hAnyone heard of Blueprint Income?03/01 Fitch20:20 JoMoney
6hCan you "un-cash" savings bonds?12/13 jim77919:52 lakpr
7hWindfall - Stick with Current Investments or Shift to Lazy 312/15 krohrer19:17 grabiner
13hWhich solo 401k plan is right for my situation12/13 kiva2218:55 Lafder
5hColorado Stable Value Plus only 2.49% in 201912/15 Sammy_M18:50 ajax91
5hInvesting RMD back into taxable vanguard fund12/14 DaleMaley18:42 mailman781
19hPaying off student loan debt as markets are slowing down?11:50 Solal18:27 mortfree
2hHelp with 4 fund strategy - please correct as needed16:48 sun2518:13 mhalley
6hHelp Simplify Portfolio for New Boglehead12/07 Lexy18:06 Lexy
3hAny year-end limitations to tax-loss harvesting?15:09 kxl1917:50 tmcc
35hRoth or Trad 401k - 24% bracket07:49 NYCaviator17:46 KlangFool
13hCan I contribute to different HSA account?12/13 zenghaidong17:43 Spirit Rider
5hSavings Account Or Three Fund Portfolio16:05 Benjamin Buffet17:42 Benjamin Buffet
34hWhich Funds to Take RMD From2015 CWRadio17:33 mpnret
5hTake losses even if you don't need them this year?16:16 fmhealth17:27 fmhealth
5hQuestion about US inheritance tax10:37 Jisep16:54 TedSwippet
8hCalendar Years and Backdoor Roths12/15 justsomeguy201816:53 Epsilon Delta
54hWhy I use Roth for bond instead of stock. Please correct me...12/12 vwgrrc16:34 international00
1hShould I Transfer 401k Funds to Roth 401k16:12 StillLearning1916:23 retiredjg
17hBeta Vanguard APP11/16 retire202216:23 retire2022
2hRoth/Trad 401k and Roth conversion11:31 jkohdf15:36 FiveK
20hconvert to TSP Roth or existing brokerage Roth?12/10 4nwestsaylng15:34 MichDad
45hoptions to cover next 10 years before SS12/07 ras425015:25 Nestegg_User
15hCD's safer than Bond Funds?12/11 MikeT15:22 MikeT
9hSafe Harbor, Cap Gain, and RMD12/15 RetiredCSProf15:16 kaneohe
20hPossible Recession and a Retiree's postulation?12/15 midareff15:11 midareff
7hInvesting a lump sum in today's market climate12/15 Rocket106615:05 delamer
24hFidelity Contra Fund12/15 workerbeeengine15:00 Grt2bOutdoors
5hRoth IRA lump sum at start of 2019 or DCA throughout the year?12/15 themang013:46 Bacchus01
4hWhat Kind of Bonds12:14 jereece13:43 Nestegg_User
22h0% Long Term Capital Gain rate?12/09 Ken7213:41 magicbunny
14hTotal US Bond Market for Europeans12/13 obsidian13:37 galeno
4hWhere to put my money.12/15 Ijp6613:14 arcticpineapple
2hModifying McClung's Prime Harvesting guardrails09:28 donheff12:37 heyyou
8hCurious on how total market funds are constructed12/14 mongstradamus12:08 grabiner
13hWindows 10 update and Vanguard [account shows unauthorized transaction]12/15 AlwaysaQ11:55 RickBoglehead
2hannuity beneficiary10:39 crossingguard11:28 crossingguard
24hPortfolio for a military lifer, too conservative?!?12/11 brandonp31111:26 whodidntante
7hNon Diversified Portfolio With Large LT Gains12/15 JerBear11:21 delamer
4hTax Gain Harvesting - When Should I Transact?12/15 MechEngInvestor11:13 livesoft
9h401(k) Allocation12/14 frisbeeaddict10:09 ruralavalon
3hHedging Question12/15 obsidian09:48 Valuethinker
2hChange broker when: Maintenance fee + FX conversion are high?11/18 bubbasour09:26 bubbasour
13hSelling Specific ID Shares at Vanguard12/14 Blake708:41 Buddtholomew
6hDeductible trad IRA contribution and Conversion to Roth in the same year12/15 OnLevel07:23 OnLevel
3hWash sale BRSIX and VSS. What to purchase?12/15 JonnyDVM06:35 Vegomatic
41tWhen cash is riskier than bonds12/15 jalbert00:30 willthrill81
8617tU.S. stocks in free fall2011 Lbill00:24 J G Bankerton
33tDo Factor Tilts, Such As Small Value, Increase Idiosyncratic Risk?09:31 Park23:51 columbia
2tIf SS Delayed Retirement Credits grew beyond age 70...22:42 SoonerD23:28 SoonerD
0tJust how good is I-bonds' nominal guarantee during deflation?22:20 Day9 
2tWhat is dividend "growth" investing?21:23 andrew9999922:05 columbia
224tWhat Happened to you during the Financial crisis of 2007–200812/11 AllStarDaniel21:53 warowits
16tWas Eliminating Investor Class Shares a Mistake?12/15 learninginvesto21:27 beyou
5tVanguard S&P 500 ETF (VOO) -1.85% Vanguard 500 Index Fund Admiral Shares (VFIAX) -2.42% Price as of 12/14/201820:00 Rowan Oak21:26 marcopolo
0tNot Fed's job to fix irrational market21:25 Indianrock 
0tVanguard Reconciliation21:16 vbdoug 
3tDoes this TLH strategy make sense?12/15 shariron21:00 grabiner
90tAllan Roth: 3 Correlation Myths In Portfolio Construction12/13 Random Walker20:58 grabiner
92tThe S&P 500 Goes Supernova11/30 Random Walker20:32 raven15
11tCan Vanguard freeze mutual fund redemptions during times of duress?12/15 hotpancakes20:26 Rick Ferri
2tIs Total Bond more interest rate sensitive than muni funds?17:54 gambino20:09 HenrySouthernCa
1594tQSPIX - thoughts on interesting fund2015 Yesterdaysnews20:06 zaboomafoozarg
3tDo brokerage bonuses deposited into Roth IRA accounts count toward one's annual contribution limit?18:41 hotpancakes19:44 hotpancakes
36tWhat's the impact of no more Roth recharacterization?02/20 tadamsmar19:04 Alan S.
2tWife's New Job Has No Retirement Plan - Is Taxable Account My Only Option?13:05 Messner800018:55 GoldPressedLati
4tUnderstanding "risk tolerance"17:33 bluquark18:49 alex_686
69tBullish/bearish on GE? Make your case here - new lows today08/15 tmcc18:23 munemaker
10tS&P 500 ETF versus total stock index ETF12/14 Carol8888817:12 Carol88888
24tWhich asset class is down the most for you?12/14 ChinchillaWhipl16:35 sschullo
685tRumor mill - Fidelity starting individual HSA's Nov. 15th11/11 liberty5315:51 Json
102tDo Bogleheads Bucket?2016 El Greco15:11 finite_differen
4tStock Market down and Dividend amount paid.12:44 Bronco Billy14:56 Bronco Billy
133t[New Vanguard website layout starting Saturday, August 11]08/11 am13:05 LadyGeek
81tI may have understood why it's so hard to save and invest07/19 airelleofmusic13:00 lostdog
1353tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab11:41 theplayer11
5tWhy did Fidelity Extended Market Fund (FSMAX) drop 6.75% yesterday?12/15 USGrant10:09 Call_Me_Op
9t"Vectors"12/15 Taylor Larimore08:41 F150HD
23tBerkshire Tempting12/15 delrinson07:56 Blake7
13tHow do you know when dividend/interest is paid from a mutual fund?12/15 GoPackGo06:48 RickBoglehead
7tHigh Load and ERs12/14 tadamsmar02:47 tadamsmar
9pAffordable Care Act and subsidies03:07 NewOldGuy00:35 Watty
90pCan I retire12/14 waxman00300:30 Starfish
3pAnyone done a "Life Settlement"20:54 crswvc00:10 BruDude
24pAirbnb as side gig13:53 kiddoc23:51 freebeer
2pShould I Continue to Delay SS One More Year22:35 dumbbunny23:34 123
2pPhysician Loan and Buy vs Rent (already searched forums)22:41 jfoster23:33 mhalley
64pEmpty nester downsizing - any advice?10/22 FIREchief23:11 FIREchief
449pRetiree Portfolio Model2012 BigFoot4822:46 BigFoot48
148pObamacare (ACA) Ruled Unconstitutional by Texas Federal Court12/14 dcop22:36 FoolMeOnce
17pHow much do you pay for cable/internet/cellphone19:03 skor9922:29 JoMoney
7pInherited IRA RMD - End of Previous Year Value13:08 CubedPepperoni22:23 CubedPepperoni
2pUnderstanding SS Survivor Benefit?21:52 hawkfan5522:17 OnTrack
69pLaw school without practicing law12/14 oaks22:13 bottlecap
3pMedicare 6-month retroactive benefit rule & HSA contribution eligibility13:37 classicjazzfan22:07 classicjazzfan
8pPre-paying mortgage only in early years20:27 30investor21:52 TheHouse7
2pSocial Security question- help please19:47 dwickenh21:45 dwickenh
7pAuto, home and umbrella insurance12/15 happysteward21:38 RudyS
204pTurboTax Prices2017 John15121:33 LadyGeek
31pIs this a good time to start paying extra on the mortgage?12/15 fortfun21:28 grabiner
5p[Financial] Advice for 40s20:54 nepats21:23 nepats
18pReceived letter from IRS saying I owe penalty charges from a foreign gift11:47 smalliebigs21:16 sil2017
1pNorthwestern 65 Life - Keep it or dump it?12/14 fitzcarralda20:56 dwickenh
5pAnother Generic Medicare Prescription Drug Plan Question11:54 muddlehead20:20 cheese_breath
5pWhat should I do with these life insurance policies?12/14 Galaga20:02 Nestegg_User
1pValue of mega backdoor Roth19:37 Silly Wabbit19:43 HEDGEFUNDIE
1pConsequences of inheriting money overseas18:30 physiorol19:37 typical.investo
6pYour Cost for Homeowners Insurance?16:03 bigtex19:36 macaroon
251pFidelity free Turbotax2016 Hayden19:23 MisterBill
8pBiglaw - nonequity partner base pay12:27 TheDoorMan1919:19 TheDoorMan19
13pWash Sale Tax and Logistics Question12/15 Buffetologist19:15 Earl Lemongrab
36pMoving from Schwab to another bank12/14 NYCaviator19:12 n00b
10pShould I sell my last rental property in major west coast city?12:08 time>money19:06 MP123
17pSocial Security options for 2 equal-history spouses.12/15 rgs9218:56 #Cruncher
46pNew job, sales at Subaru12/09 emanuel_v1918:28 maroon
18pReal experiences of someone who did not have Medigap policy?12/15 Looking4Answers18:16 Looking4Answers
58pBank of America Merrill Edge Up to $900 Bonus for Preferred Rewards Clients01/30 LifeIsGood17:45 Katietsu
1pDoes You Invest Count for Chase Sapphire Banking 60k UR bonus?14:24 boglechu16:43 hotpancakes
17pBarclaycard Arrival Plus™ World Elite Mastercard®12/08 susa16:09 fmhealth
26pCar buying decision12/15 TANDM16:06 smitcat
5pMilitary-Advice Needed12:30 gator1515:44 curmudgeon
7pWhen do Social Security payments count as income?13:51 Chaconne15:18 mouses
15pTax preparation software for 2018 returns00:54 Dead Man Walkin15:02 John151
38pFidelity as a one stop shop12/15 BogleMelon14:40 MikeG62
55pShould you always use a 529?04/13 DJP194414:21 Terri-bh
6pExecutor fee in Texas12/15 SoonerD13:49 SoonerD
2pBad idea to withdraw from 401k for business capital?13:01 skt45413:48 retire2022
3pJoint ownership of Mother in Laws house13:03 Sherlock13:25 RickBoglehead
127pRetirement itch- when did you get it?12/02 Cleverusername13:13 retire2022
359pWhat are your property taxes?06/30 Raybo13:12 randomguy
24pSignificant Change in Salary - What to Change11/29 HardHitter12:43 BL
2pwhich tax software let you insert statement manually?11:34 kchnew12:17 retiredjg
43pSoftware to track asset allocation (no tickers)2017 KATNYC11:57 LadyGeek
35pIf you have credit monitoring do you need to freeze credit?10/31 NextMil11:28 Beatle Boots
2pWhat percentage of pension income to save?09:42 sil201709:56 sil2017
15pFraudulent charges on Chase Credit Card -- Chase unresponsive12/06 McCharley09:54 02nz
4pSocial Security ... Can spouse get a bump?08:02 J29509:52 Silk McCue
17pAvoiding underpayment penalty12/13 Harley FXS09:48 grabiner
10pCan I buy a PIN prepaid debit card with a credit card for rewards bonus08:09 J29509:40 Jack FFR1846
35pStrange [job] interview- what do you think?12/15 Cleverusername09:32 recalcitrant
18pCritique my SS/RMD Tax Plan12/13 jacksonm08:54 Indianrock
4pAmica Auto Insurance Increase In CA12/15 bottomsup08:47 averagedude
3112pWhat's Your Credit Card Rewards Strategy?2016 guitarguy08:17 Jags4186
48lmetro Denver Bogleheads?2017 BsmartSM23:04 shariq1989
112lSeattle Area Chapter Meetings - Master Thread2015 delconte22:14 Elsebet
172lMaster Thread for Philadelphia PA Area Bogleheads Chapter2012 dickenjb21:52 tony_roach
1lAny interest in a central New Jersey chapter?21:10 JediMisty21:27 Indyrph
342lRoll Call for the Retirement Class of 2018!2017 NCPE21:12 SevenBridgesRoa
20lAny interest in a Shelby/Jefferson County AL chapter?06/21 Housedoc21:01 Theridge
1lBenefits of the Three Fund Portfolio printable inforgraphics and or PDFs16:46 Benjamin Buffet20:02 BL
136lRoll Call for the Retirement Class of 2019!04/18 Miriam215:53 Miriam2
343lSouth Florida Local Chapter2010 niteowls12:53 Mikeal
117cFavorite Purchase of 2018?12/14 WhippingPost00:34 3504PIR
10cFitness tracker for runner15:33 letsgobobby00:32 letsgobobby
5cInadvertent disclosure of personal info by a lawyer17:52 katnok00:16 Finridge
8cWhen has being frugal or cheating out bit you in the rear?21:25 Xrayman6900:08 blackwhisker
11cUninterruptible power supplies (UPS) battery backups: Need advice14:59 Luckywon00:02 Luckywon
25cShell $0.05/gal discount card07:44 sunny_socal23:53 Doom&Gloom
3462cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt23:45 Finridge
31cReceiver for klipsch bookcase speakers12/14 Dottie5723:40 jalbert
1cLooking for a Heart Rate Monitor other than Polar20:04 venkatdabri23:37 quantAndHold
182cBest values at Costco? Honestly, a little disappointed...12/02 fortfun23:28 jabberwockOG
6cImpressive film in theater Dec 17 and 27 only18:22 letsgobobby23:22 Nicolas
12cNegril vs Montego Bay Jamaica13:52 brian646422:17 Elysium
17cAny advice for buying a used car?19:35 new2bogle221:56 sksbog
15cHonda Pilot - Improving Traction12/15 ThankYouJack21:48 dwickenh
69cA "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?12/13 nisiprius21:41 phantom0308
122cCan I buy a Tesla?06/29 Cramerica21:32 abonder
546cWhat frugal thing did you do today?12/24 Nectarineman21:30 zeal
59cHow much do you pay for internet only?12/15 markcoop21:27 segfault
982c[What TV Show Have You Recently Watched?]2016 dbCooperAir21:04 earlywynnfan
2cpeloton fitness bike16:31 sambb20:57 southerndoc
13cLow flow shower head18:14 dmk39520:54 Mike Scott
1cGmail Won't Load in Chrome20:30 Leesbro6320:36 dwickenh
78cShould I buy a Tesla?12/13 pennylane19:44 Cycle
6cFidelity Discount for Turbotax Deluxe Download?17:41 aristotelian19:26 TravelGeek
74cPlanning first international trip - London/Paris10/30 ugaDAWGS0919:24 Lacrocious
34cAnnoyingly Expensive HP Ink Cartridges12/15 Leesbro6318:35 grok87
28cQuestion on dryer vent cleaning12/14 Calico18:28 Saving$
1cVerizon prepaid to ?16:59 go_mets17:59 mhalley
16cFriend looking at land to build, but will probably have naturally occurring asbestos14:00 squirm17:40 Grt2bOutdoors
1cWearable MP3 Player (Headphones w/ Storage) for Exercise13:45 Alexa917:16 Silk McCue
15cFurnace in rental has issues with out-of-warranty parts, replace or repair?12/14 InvisibleAeroba16:59 Sandtrap
88c[Anyone drop cable for YouTube TV?]12/10 dmk39516:42 onourway
43cAdult Games / Board Games - Recommendations12/15 fishandgolf16:15 Epsilon Delta
21cRaspberry pi or starting an 11 year old with programming12/15 letsgobobby16:10 TravelGeek
28cNice gifts for young kids12/14 ThankYouJack16:08 JustDumb
11cBirdwatching telescope recommendations10:58 TomatoTomahto16:07 jebmke
13cSports illustrated subscription, how to avoid auto renew12/15 blackwhisker15:36 Epsilon Delta
10cHas anyone used Heal? [Doctor housecall app]12/15 HEDGEFUNDIE15:31 mouses
9cHoliday Card [from Vanguard]12/12 yousha15:24 mouses
101cVolkswagen Reliability12/12 monkey_business15:23 finite_differen
97cPersonal Adventure - recommendations10/16 seychellois_lib14:54 quantAndHold
2c2018 Nissan Altima: $6,000 in dealer and Mfg incentives, can you still haggle?13:40 1210sda14:54 sport
30cLottery Tickets06:56 jfn11114:47 Derby
94cCertified Used BMW, Audi or Mercedes01/28 Buster6514:44 ssquared87
44cSpotify or Amazon Music?12/08 tc10114:34 dougger5
19cPolyurethane- House STINKS12/14 crockpotinvesti13:39 G12
6cIs there a machine that can automatically heat up milk (not boil) and froth it?09:39 doss13:20 gtd98765
35cPotential New Home - Planes and Trains Noise12/13 Dynasty9012:53 F150HD
64cWho else is doing home automation?12/13 corn1812:12 money_bunny
35cAudi S4 vs S312/13 Keepcalm12:07 fastrak99
9cSpectrum mobile phone offering12/09 Jeep4Life11:26 Jeep4Life
5cSmall difference between medicare and own insurance12/15 sil201709:26 sil2017
317cConcierge medicine Worth It????2016 Rexindex09:21 dm200

Subforum key:
h = Investing - Help with Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
c = Personal Consumer Issues
r = Reference Library and Wiki
l = Local Chapters
f = Forum Issues and Administration

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