Main Page development

This is the test page Welcome to the Bogleheads&reg; wiki, a collaborative undertaking by members of the Bogleheads Community. This wiki is a reference resource for investors. Bogleheads emphasize starting early, living below one's means, regular saving, broad diversification, and sticking to one's investment plan.

If all this seems a bit overwhelming, relax and don't panic. A good place to begin is getting started. Returning visitors may be interested in our new pages. 

Important pages
 Getting started: Overview (Start here) • Bogleheads® investment philosophy • Investing • Personal finance •  Planning for retirement

 Financial planning: Asset allocation ∙ Charitable giving ∙  Education savings ∙ Estate planning ∙  Health savings accounts ∙  International domiciles ∙  Personal finance ∙  Tax considerations

 Investing: Asset classes ∙ Bonds ∙  CDs ∙  Indexing ∙  International stocks ∙  Exchange-traded funds ∙  Money markets ∙  Mutual funds ∙  Portfolios ∙ Prioritizing investments ∙  Real estate ∙  Risk ∙  Stocks (US) ∙  Vanguard

 Retirement Planning: Annuities ∙ Employer provided retirement plans ∙  IRAs ∙  Portfolio withdrawals ∙  Retirement Spending ∙  Social Security

 Reference Material: Acronyms ∙ Blogs ∙  (The) Bogleheads&reg; ∙ Books and authors ∙  Financial theory ∙ Financial websites ∙  FAQs ∙  Glossary ∙  Google Docs spreadsheets ∙  Resources and links

Can't find what you're looking for?
Use the wiki's Search box. Or, start from a top-level overview using Site navigation. A complete article list is also available.

You can or  to ask a question on the, or browse recent forum posts from the Bogleheads'. We're also on.

Our Canadian sister site,, and it's has a similar focus, many like-minded members, and may be of interest as well.

Contributing to the wiki
Anyone can read the wiki. If you would like to edit it, you must first join the Bogleheads forum. Once you've joined, send a private message requesting access, and you can then become an editor. Information on editing the wiki is available on the left sidebar of every wiki page. Suggestions are welcome by posting in Suggestions for the Wiki.

If you see content in need of improvement, or a new page on a topic not yet covered, consider becoming an editor so that you can contribute to the site. If you find yourself writing a reply to a forum question that's been discussed a number of times before, consider creating a wiki page with the answer. Then you and others can reply to subsequent questions on that topic with a link and a quote of your text. That way, the Bogleheads Community both preserves our knowledge base and makes it more accessible, particularly to those using search engines.