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Bogleheads.org – 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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1670 new posts and replies over 217 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
49pTaking an unnecessary mortgage in order to invest08/20 defscott62723:39 CurlyDave
79cElectric Auto Question[s - considering a purchase]09/20 Toons23:39 kxl19
1pVanguard : transition account or wait22:22 Nyc1003623:37 100factorial
13hInvest $1k/mo or refi to 2.125% 15-yr mortgage09/23 justsomeguy201823:36 justsomeguy2018
7hReducing bonds16:03 ZachFinch7623:30 venkman
5cLearning to play the guitar as an adult - possible?22:13 sabhen23:25 Jazztonight
0hUtma and long term capital gains23:24 liynus 
32tThe I Bond Manifesto09/23 Mel Lindauer23:23 runcyc
39cSensible, Prudent Quality of Life Upgrade at 50+17:22 AnnetteLouisan23:23 AnnetteLouisan
4823tSmall Cap Value heads Rejoice !!!2019 hdas23:22 zie
251tA low-cost 5 fund Boglehead portfolio2019 vineviz23:21 bluerafters
12cExperiences in donating cars?11:28 Toboso_Boy23:19 chris319
3hEmerging Markets Fund at Schwab09/23 o'pinion23:17 grabiner
26hShould I add vbtlx and vtiax to my taxable brokerage?09/21 Lilybluerose23:13 grabiner
21cBest thank you gift for nursing group who helped me after surgery09/23 jjunk23:13 jjunk
353tWhat ratio are you stocks/bonds and how old are you?2015 tc10123:13 AnnetteLouisan
2hpredicting mutual funds capital gains from a sale20:32 PerfectName23:11 venkman
2hPortfolio Review Request20:50 gurusw23:10 gurusw
12hCapital Gains tax one year rule15:16 tsampilo23:07 grabiner
5hinvesting $4020:40 onion tribe23:04 SnowBog
20hAny reason to hold large group of stocks instead of index fund?09/23 rshocka22:59 1789
14hBuy VTSAX today (dividend record date)?09/22 leviathan22:56 grabiner
25tVTSAX Dividend?13:22 TheDDC22:56 livesoft
47tTreasury yields and inflation expectations are disconnected09/22 willthrill8122:54 TurtleBeatsHare
25l"Retired" Life Stage Virtual Chapter "Master Thread"05/19 sleepysurf22:52 RVdreamin
12332pRefinance Mega Thread2019 AZAttorney1122:47 alexp
6pForm 8889 and taking a deduction for a prior year excess HSA contribution.09/23 uma22:43 uma
18pUmbrella Coverage13:43 AnnetteLouisan22:42 AnnetteLouisan
0pNeed Advise on Permanent life insurance and special need trust22:35 seattenighthawk 
808pLosing a job in your 50's...2019 CyclingDuo22:33 AnnetteLouisan
108tMost people [Is TSM not the best choice for informed investors?]09/22 bertilak22:29 Northern Flicke
12hNeed some advice on where to put money earnt in last five years of working09/23 MrCheapo22:27 Californiastate
20pCan an incompetent creditor damage my spouse's credit? Any way to avoid?15:04 absolute zero22:17 musicmom
21pYour expenses decreasing as you age?18:49 ThankYouJack22:03 Brianmcg321
26hTreasury Direct Experience - Excellent08:18 40040140222:01 cacophony
34pProgressive's auto claim game?09/23 GettingComforta21:46 Godot
47hPlease help my parents give away $3 million09/23 tpn21:44 Retired Bill
109pWhen to gift money to kids -- sooner the better?09/17 ThankYouJack21:41 Freetime76
17cAnyone calculate actual cost per mile driven?18:42 ThankYouJack21:41 Bogle7
12pIncome Tax on no deduction state tax refund!?!16:29 LoveTheBogle21:31 hachiko
13h529 Plan / Saving for Daughter's College17:47 DrDexter21:27 DrDexter
56pThoughts on taking 2 Jobs Simultaneously.. implications for background check in the future?01:52 sents1321:25 ClevrChico
1tNon-USD Hedged Emerging Markets Ex-China ETF21:13 stormcrow21:22 000
16hAs an employee What 401(k) Docs Should I be Familiar with?09/23 paulsalem21:21 an_asker
17helderly MIL's assets09/20 albireo1321:21 albireo13
100cRunning Linux vs Other OS?2017 Alexa921:18 roamingzebra
37pIn-laws financial challenges-looking for options09/21 truncatedexpone21:16 truncatedexpone
482lMaster Thread for Metro Boston's Chapter2014 siamond21:13 siamond
63cMicrowave ovens with rotating turntable/plate08:03 livesoft21:13 JS-Elcano
1tTax planning software for intestment trades?09:40 martincmartin20:58 SnowBog
1662cWhat frugal thing did you do today?2017 Nectarineman20:54 fishandgolf
8tThe EE Bond Manifesto (A companion piece to Mel’s I Bond Manifesto)17:50 SnowBog20:49 tomsense76
6fPosts I Started16:06 tomd3720:46 tomsense76
565cGood Modern Science Fiction2014 gatorman20:45 LadyGeek
4t2021 401k Overall Contribution Limit09/21 catchinup20:42 catchinup
9pAnyone here have PMP certification? Recommendations?14:10 Calico20:42 Ependytis
9hTreasury fund vs treasury fund index?08:54 kjsammy20:41 000
12pCan I retire today?18:53 miamivice20:39 L84SUPR
7tHow will Fed bond buying taper affect Vanguard VCSH bond ETF?13:19 snsok20:38 tomsense76
40tWhy Roth conversions always pay off—if you can hold on long enough09/23 McQ20:33 MAI
5pChild support/alimony if one moves abroad19:13 MrsBDG20:22 MrsBDG
31tNeed a financial advisor?09/14 jamesrs20:17 jamesrs
227tBox Spreads as Loans - Interactive Brokers IBKR - 202103/30 kellykline20:15 DMoogle
1c[Building a] Registration website for a non profit03:33 elle20:12 Alex Frakt
5hNoncovered vs. Covered Shares19:24 tomd3720:10 student
4hTax Lot/Covered & Non-Covered Shares questions09/22 JookieBrown20:07 increment
35cRoad Tripping Options? Rivian, Basecamp, Revel, etc09/21 FoolStreet20:07 tibbitts
29cEyeglasses--Plastic Vs. Polycarbonate Lenses05/15 choral5420:07 GreatLaker
2pUtility 0% loan for Green Energy improvements12:30 SlowMovingInves20:05 SlowMovingInves
10pBasic Social Security Question08:21 Call_Me_Op20:02 SnowBog
140hRoast me! ER doctor portfolio12/18 Cucumbers19:57 AnnetteLouisan
85cJobs for teen who's not immediately college bound09/21 SMV19:54 ExTx
15pCarry RV insurance all year long?09/23 willthrill8119:50 Boatguy
17926tU.S. stocks continue to soar!2018 GoldStar19:49 RyeBourbon
55cHelp me choose a "forever" shade tree for my back yard07:39 coalcracker19:43 Pu239
29hBond Fund recommendations in taxable account2020 softengash19:42 adzio
14p3rd Child Tax Credit Not Received09/20 Beachey19:38 PapaSmushFace
130tNew Avantis ETFs06/23 brademac19:28 asset_chaos
27tHistory's Seductive Beliefs - Morgan Housel09/22 Rowan Oak19:27 Portfolio7
5pClosing a solo 401k, concern for backdoor roth pro rata and SEP going forward09/22 sgadlin19:19 sgadlin
21cResources to improve Critical Thinking09/23 teaman19:15 KlangFool
176tModified versions of HFEA with ITT and Futures / Lifecycle Investing with Modern Portfolio Theory09/03 skierincolorado19:14 millennialmilli
13pVenmo credit card for paying rent09/23 CoherentIntegra19:07 anon_investor
2hMutual Fund Class Change at Vanguard10:31 inverter19:03 asset_chaos
1cHotels in New Hampshire17:16 PinotGris19:03 BernardShakey
59hVanguard glitching so Fidelity has a new customer09/22 texasdiver19:02 cegibbs
18cCars, bikes, ebikes -- and the winter...08:11 sizzlefuzz19:01 Dagwood
33tA Musing - Market Trends - Thoughts?09/23 jakehefty1719:00 Northern Flicke
59pCost of car ownership vs. uber / lyft / ride sharing09/22 namajones18:56 tj
2252cWhat are you listening to now2020 Artful Dodger18:48 Nicolas
29pHow do employers withhold SS taxes when over wage limit?13:31 gt4715b18:48 SnowBog
57cWhat house maintenance thing did you do today?09/20 z9118:36 Sandtrap
5h50/50 AA forward return prediction14:16 skime18:28 aristotelian
1pMarried filing jointly - can one spouse withhold all the taxes?18:25 sergio18:27 livesoft
37hUSA vs International Allocation and Confidence09/22 One More Thing18:25 burritoLover
50cKindle Paperwhite vs. iPad/Similar Tablets?09/17 Barefootgirl18:17 nisiprius
17cU.S. Winter Adventure Trip Recommendations - Warm(ish) weather09/23 ThankYouJack18:08 Slackergirl
17pParameters for financing college educations12:34 JPM17:58 swedek
29pHelp my FIL decide on his Roth Conversion strategy09/18 URSnshn17:53 URSnshn
6hPut prepaid 529 funds in bond allocation?09/17 DelawareAB17:51 nigel_ht
8hConsolidating Accounts09/23 3vader17:46 JBTX
10063tHEDGEFUNDIE's excellent adventure Part II: The next journey2019 HEDGEFUNDIE17:41 drumboy256
582pQuicken 2019 and forward2018 Scorpion17:32 marcopolo
3hPro Rata Rule Question13:48 suddenwealth17:17 HomeStretch
8tDividend Reinvestment Question08:24 Ferdinand201417:10 anon_investor
27tCan someone explain how hedging works2018 bikechuck17:00 alex_686
80pshould I pay off my mortgage early?09/08 Swennerb16:56 NextMil
16hBond Fund09/23 Iowa_Hawkeyes16:51 Horton
2cSS security at 70 question16:32 hoops77716:45 hoops777
27hEarly Retire09/21 Tooth16:44 Tooth
286pI’m Planning to Claim SS @62… Well, Why Not?09/12 iceport16:29 iceport
34p40 yrs old - How are we doing?05/26 Smartbutnotenou16:28 Smartbutnotenou
2nIrish-Resident but non-domicile (non-US Citizen) - Most Efficient Investment Approach?10:05 IMightBeRight16:26 IMightBeRight
50pUnemployment Income Tax Refund05/13 bmelikia16:21 Cheez-It Guy
8cAny ID.4 owners on Bogleheads?09/21 angelescrest16:20 FoolishJumper
33cWhole Foods - end of free delivery07:51 Rob5TCP16:18 beyou
7cPost-retirement volunteer ideas07:58 driloem16:01 sailaway
5hSolo 401k Restatement, New Solo 401k, or SEP IRA ?09/23 suddenwealth15:53 SuzBanyan
33hPortfolio/Investing help please09/19 newinvesting20215:42 newinvesting202
118tLong term low returns predicted09/22 alex12371115:38 absolute zero
4taverage cost basis, tax planning how13:32 elpollo15:35 sycamore
2pSetting Up an Endowment - Tax Implications13:39 OldSport15:34 sailaway
1pHVAC air scrubber tax credit15:12 BruinBones15:33 bob60014
11hMega Backdoor Roth 401K Question09:38 GolfnCycle15:21 exodusNH
25hFidelity website down?09/23 nonemoreyears15:17 SmileyFace
15hEquity potion of your portfolio; increasing international09/22 facchina15:06 WhiteMaxima
103cElectric Bike09/11 almostretired1915:04 stoptothink
21cMysterious Safari issue with new MacBook Air09/12 Barefootgirl14:54 student
18cFlood insurance09/23 Faisal14:48 pshonore
3cLaser Assisted Cataract Surgery - Is it worth the extra cost?14:33 teelainen14:41 Misenplace
49hVTI/VXUS split09/19 ilyaraz14:40 ruralavalon
543tWithdrawal rate for an early retirement11/17 nptit14:38 Brianjp18
23hHow much 401k at age 3809/23 ps2me1114:27 tomsense76
17nRisks of a Russian when investing in a US portfolio?09/23 V.T14:25 Ed 2
118pFederal Employees, leading up to retirement?2018 TresBelle6514:25 Bronko
2nTaxes and ETFs for non-US resident09:55 Janik14:23 Janik
13pSelling house and waiving taxes10:31 Brandon445414:19 fyre4ce
9pDo I need a trust?09:47 newly_rich214:18 bsteiner
8hNew Brokerage Accounts [Vanguard converted to brokerage]09:59 Clinton14:12 Clinton
26pProposed Traditional vs. Roth automated tool (in Excel/VB)07/06 fyre4ce14:07 fyre4ce
15hHow to migrate away from my financial advisor and managed accounts?09/11 DarkShade13:58 Jack FFR1846
451cDon't pay full price for SiriusXM radio2016 catdude13:55 JMacDonald
5pMortgage Payment Psychology08:25 bglhdism13:54 Admiral
13cFord Lightning: What's the status? 9/23/202109/23 IMO13:47 EagleI
5hSIMPLE IRA Questions Vanguard couldn't/wouldn't answer09:50 positivereturn13:35 krow36
79tBogleheads now on YouTube08/09 LadyGeek13:33 LadyGeek
14tKitces guard rail approach to safe withdrawal09/22 Brianjp1813:18 Thesaints
2pComparing two ACA plans: Is the HSA worth it?13:03 sockfight13:14 secondcor521
4pTax ? - investing realized capital gains into Opportunity Zone09/23 grayparrot13:07 SubPar
24pShopping insurance? How often?2019 Marbella12:58 SmileyFace
24311tU.S. stocks in free fall2011 Lbill12:55 Hyperchicken
4hPossibly overfunded 529 - optimizing asset allocation.10:08 Haledom12:51 grogu
342lRoll Call for the Retirement Class of 2021!2020 Miriam212:34 AnotherMike
17hHome Down Payment & Margin Borrowing09/22 InvestmentNewbe12:15 harikaried
5hPossible Real Estate Portfolio In The Future09/23 MrF12:14 Gibby45
14ptIRA 72(t) - start date and end date09/22 michaeljc7012:07 secondcor521
45pWould you pay off a mortgage of 2.25% using a margin loan of 1.25%?09/21 worthit12:05 softwaregeek
5cLego lighting09/23 hoops77711:56 JupiterJones
4pWidow/Divorced Spousal SS Benefits09/09 Cigarman11:54 celia
124tStock Market success2012 4nursebee11:50 Nowizard
10pLet's Talk About Vehicle Financing08:48 One More Thing11:44 JupiterJones
11hAsset location question07:19 Tom_T11:43 JayDee37
24cGrass Seed Recommendations---Fescue09/23 archiehr11:29 kabob
110cBest place to be a Snowbird if money is no object09/22 QBoy11:28 phinanciallyfit
4cBilberries: Possible to get frozen somewere?09/23 huzaing11:25 huzaing
82pDog bit someone - contact insurance now or wait?09/15 asnlc11:25 valleyrock
7hAdvice please09:30 cisco kid11:17 cisco kid
7pWhole Life Used In Retirement Tax Planning09:55 Porgybait11:16 exodusNH
15tAnother ibond question09/23 G2111:11 SnowBog
114pHow to Deal with Incoming Low Ball Promotion Offer08/25 Patzer11:08 HomerJ
2pHow is the Great Resignation Impacting Your Company?10:44 BradJ10:59 Flyer24
27hHow does my retirement plan look?09/22 blackburnian10:59 blackburnian
296tWhat's the catch with I Bonds?06/02 Buy_N_Hold10:57 HueyLD
16tThe Vanguard Total Stock Market has a Realized capital loss of -$1.0709/22 iamblessed10:54 sycamore
7pIs this correct re excess contributions to HSA?2019 SRenaeP10:50 uma
5pCurious about Real estate trends08:12 rookie_investor10:45 LadyGeek
8pSelling house and best way to apply principal08/12 Brandon445410:45 Brandon4454
10cCalifornians... Where to get Toto Drake Eco 1.28 Toilet??09/23 VeryBlessedCali10:19 Californiastate
24pHelp Finding Term Life Insurance (pre-existing heart condition)03/26 20Dukes1110:15 Katietsu
56pChase Freedom Significant Money Maker for Q409/21 RickBoglehead10:15 ziggny
27pHSA transfer: Health Equity to Fidelity06/15 FIREchief10:09 roth evangelist
95tLocked and merged threads on proposed budget, Roth, etc.09/13 hotscot10:05 pancake19
89tIs anyone hedging against a US default?09/22 TJat09:59 sandan
27pWiki - Kiddie tax update09/13 LadyGeek09:43 LadyGeek
2pWash sale rule help required for buy call options09/23 pinvest202109:40 Shallowpockets
26cMagnet STEM in a votech high school - worth pursuing?09/23 vveat09:23 Kagord
1pShort-term HELOC on house being sold09:09 siamond09:23 Silk McCue
67tIs There an Optimal Factor Allocation?09/21 One More Thing09:21 Random Walker
15pACA/Covered California, how to avoid Medi-Cal?09/23 Fractalleaf09:21 Fractalleaf
50hRecent Experience with the Treasury Direct Website08/20 HasHas09:19 Tubes
20tWhy Buying the Dip is a Terrible Investment Strategy - Nick Maggiulli09/22 golfer29209:18 StartedAt22
66cIs there a current car without a console between the front seats?2018 mouses09:05 Kagord
2nHow should my retired mom invest 40k inheritance? [Switzerland]09/14 andreas08:57 Swiss Bee
147pHigh income physician seeking financial and life advice08/20 RadDad91508:55 JPM
4pValuing donated stock share (What is the date of delivery)09/22 redmaw08:48 redmaw
93tTIPS -- "When the Numbers Lie"09/17 Taylor Larimore08:48 HappyJack
0hGifting shares into IBKR account?08:46 kxl19 
4h401K Restructuring Help09/23 lynninvests08:37 ruralavalon
8cHome improvement contractors - still busy?09/23 psteinx08:24 Luke Duke
5pSomeone opened a credit card account under my name - What are the next steps?09/23 teelainen08:11 gtd98765
5hNew investment options in 403(b)09/23 themagpie189208:02 tashnewbie
45pSmall claims court - how to proceed?11/29 Myopic squirrel07:53 Flyer24
39pToo Frugal?09/22 ert51007:42 Kaizen Soze
1013pRelationship mortgage discounts for moving a million assets2019 softwaregeek07:33 downtownrb
13t[Wiki] - Using open-source software for portfolio analysis2013 LadyGeek07:19 LadyGeek
16pIRA early withdrawal first time home buyer clarification needed09/23 patrickscott06:29 patrickscott
19pAuto accident Pain and suffering calculation?09/10 RIMDBogle06:29 Padlin
9nAustria - Explanation of Pension Options08/26 nomadboglenoob06:28 nomadboglenoob
11cIda aftermath and thoughts on flood insurance and disaster relief09/15 vveat06:25 Tubes
15pSocial Security Clawback At Death09/03 Goodman6006:13 Goodman60
1240pRetiree Portfolio Model2012 BigFoot4805:30 Barsoom
4nFunds similar to VWRL and VT available in Czech republic/Slovakia09/23 sojkadca04:40 seajay
16cMotion Detector Lighting09/23 J29504:28 Freefun
18hPlease Help Me with TIPS/Treasuries09/20 Lee Timmer02:41 Northern Flicke
0tWhen does portfolio visualizer rebalance when set to quarterly?02:06 anaparafunds 
28cWindow privacy film advice requested09/19 Saving$02:03 kevinf
30cCosta Rica vacation in mid January, suggestions welcome!!09/19 Bbddl23:47 CrossOverGuy

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p = Personal Finance
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s = Spain
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