The Finance Buff

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The Finance Buff
Born Harry Sit
Occupation Certified Employee Benefits Specialist, Author
Notable work Explore TIPS
Website The Finance Buff
The Finance Buff a.k.a. TFB is a pseudonym used by a blogger who writes a blog by the same name at He has been sharing his thoughts and experience about personal finance with online readers since 2006. Today, more than 50,000 people visit his blog in any month.

— from Editor review at Amazon[1]

TFB joined the Bogleheads Forum in 2007 as its 5th registered user. He is the author of the chapter on defined benefit pension plans in Bogleheads' Guide to Retirement Planning (John Wiley & Sons, 2009). He also regularly contributes to the forum and wiki.

TFB holds an MBA degree in Finance. He has a Certified Employee Benefits Specialist (CEBS) designation from the International Foundation of Employee Benefit Plans and the Wharton School of Business, University of Pennsylvania.


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The Finance Buff avatar.

TFB - The Finance BuffRSS Feed icon - 200px.png RSS feed

What If You Invest In Actively Managed Funds? (27 September 2016)

Investing in actively managed funds can get you to the same place as investing in index funds. Investing to begin with and a sound asset allocation are more important.

2017 Social Security COLA (20 September 2016)

A low Social Security COLA caused by low inflation is good for seniors.

Age 55 No-Penalty Withdrawals From 401k Plan (13 September 2016)

The special rule for no-penalty withdrawals from a 401k plan at 55 actually isn't that useful.

Encouraged By Others To Take Risks (06 September 2016)

Friends, co-workers and people on the Internet will encourage you to take risks when they have nothing to lose.

Why Work For Someone Else When You Can Have Your Own Business (30 August 2016)

You can be more financially successful by working for someone else than having your own business.


External links


  1. Amazon editor review