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
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| 1456 new posts and replies over 194 topics in last day (sorted by Latest Reply). Days: 1 2 3 |
| # Replies Subforum - Topic Title | First | Last |
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| Subforum - Topic | Last | |
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| 8 | h | 401(k) to IRA Transfer While Still Employed?? | 07:52 | zeldak | 21:26 placeholder |
| 12 | h | Partnership-Owned Life Insurance (POLI) Plan | 05/31 | Nearly A Moose | 21:25 Stinky |
| 7 | p | Advice for controlling spending during "messy" 30's? | 19:02 | eyedrop | 21:24 leeks |
| 20 | t | [Market prediction assuming that 2022-2025 is similar to 1980-1982] | 06/03 | invest2bfree | 21:24 Stinky |
| 19 | c | Medicare supplement, insurance company covered individuals | 06/03 | preach | 21:24 tj |
| 1428 | t | New fee for Vanguard mutual accounts [June 2023 update] | 08/08 | Iorek | 21:22 talzara |
| 1 | p | Put offer with escalation clause or not | 20:37 | ps2me11 | 21:22 nonnie |
| 42 | t | Why are no REIT funds attempting to proxy the real estate market? | 06/01 | cat_guy | 21:18 000 |
| 10 | h | leaving my advisor | 16:46 | Golfman | 21:18 Golfman |
| 25 | h | $300k Cash - Where to put for 3 months? | 05/04 | cbr shadow | 21:18 NateH |
| 3 | p | Can we STILL afford to upgrade? | 17:40 | frugalNY | 21:16 snowday2022 |
| 37 | p | Should I Accept this Job Offer? | 05/26 | Mike747 | 21:16 Cuz789 |
| 99 | t | SPIAs - how come they haven't changed? | 05/30 | HomerJ | 21:15 AlwaysLearningM |
| 44 | p | How to Help a Spendthrift Relative (retiree case) | 06/01 | McQ | 21:15 McQ |
| 28 | h | Can you give examples where tax bracket will be higher in retirement then in 40's age? | 13:49 | andysnp | 21:14 tetractys |
| 21 | p | How much down payment? | 05/31 | iamspartacus | 21:13 snowday2022 |
| 5 | h | VUG TLH partner - why not MGK+VOT? | 06/03 | shipbuilder | 21:11 retiringwhen |
| 3952 | c | What are you listening to now | 2020 | Artful Dodger | 21:08 roamingzebra |
| 2860 | t | Trading Treasuries (nominal and TIPS) | 2022 | Kevin M | 21:07 protagonist |
| 16 | h | I am 28 and Husband is 32, starting retirement prep | 17:00 | SalleeSue | 21:04 HomeStretch |
| 5 | p | Tax responsibility for a trust | 15:31 | metalworking | 21:03 metalworking |
| 5 | h | Asset Allocation Advice for Legacy Funds | 07:17 | toocold | 21:03 RetiredCSProf |
| 81 | p | Preparing to relocate: can we afford this home? | 05/17 | steadyhand | 21:00 steadyhand |
| 13 | p | Mega backdoor roth with Liberty Mutual? | 2017 | basearebelongto | 20:57 ButchNH |
| 74 | p | What do you do on holidays/ time off? | 05/30 | alex123711 | 20:56 Keenobserver |
| 12 | h | Windfall advice | 07:08 | boots2023 | 20:52 boots2023 |
| 80 | p | Is it safe to assume that RMDs won't deplete one's portfolio? | 12/16 | Mestk5593 | 20:51 tetractys |
| 20 | p | Planning for parent's retirement health coverage | 12:41 | johnaltabc | 20:51 RudyS |
| 3 | c | supermarket sashimi pricing | 19:06 | heartwood | 20:50 quantAndHold |
| 0 | h | Purchasing rental for future primary home | 20:48 | nura | |
| 8 | p | locum hospitalist physician positions - suggestions and recommendations? | 06/03 | bernoulli | 20:46 Rcf |
| 21 | p | Manager leaving - How to convince boss' boss and others that I am the right replacement | 14:54 | saagar_is_cool | 20:39 saagar_is_cool |
| 26 | p | Help With Projecting Growth of Social Security Benefit at Age 70 | 12:35 | careerdata | 20:38 teen persuasion |
| 223 | c | Best cities with lots of outdoor/hiking activities and good year round weather | 05/16 | fitawrari | 20:38 Whakamole |
| 3 | c | Travel to and from Mount Vesuvius | 21:41 | stilllurking | 20:38 talzara |
| 17 | h | Is a smart-beta portfolio worth it for 200+ bp fee? | 06/01 | anxon h. | 20:36 Beensabu |
| 5 | n | Will Early Investment Allow Early Retirement? [Australia] | 05/29 | squidinksoup | 20:30 calmaniac |
| 48 | p | Spending for late 30s retiree | 06/03 | ScroogeMcDuck | 20:29 bltn |
| 49 | p | Banking: Chase, Wells Fargo, or BoA? | 06/01 | SeattleLaw | 20:25 tj |
| 59 | p | Does it ever make sense not to take the joint and survivor pension option? | 04/30 | CyclingDuo | 20:23 bltn |
| 8 | t | Muni ETFs and Tax Equiv. Yield | 06/02 | v42 | 20:20 comeinvest |
| 35 | t | Evaluating SPIAs by implied return or life expectancy | 05/31 | petulant | 20:19 petulant |
| 32 | h | Losses with Total Bond market index fund, suggestions on next steps | 12:32 | trybogle | 20:17 dbr |
| 9818 | c | What Movie Have You Recently Watched? | 2014 | abuss368 | 20:14 jjunk |
| 5277 | p | Bank of America/Merrill Edge - Preferred Rewards | 2014 | navyitaly | 20:09 plmd |
| 1 | h | Vanguard Holding search tool | 12:44 | kissmoneyblog | 20:08 Clarky |
| 28 | p | Don't Store Significant Amounts of Cash in Payment App Accounts | 06/03 | Northern Flicke | 20:05 Northern Flicke |
| 81 | p | Proposed update to Roth Conversion wiki page | 05/12 | fyre4ce | 20:04 hvaclorax |
| 21 | p | Is it true that first 10% of reaching a goal is the hardest? | 06/03 | investor_power | 20:03 LadyGeek |
| 13 | c | Xfinity’s policy in upgrading equipment | 01:04 | gavinsiu | 20:00 gavinsiu |
| 2 | h | Looking at VYM in place of Bonds in Taxable | 18:14 | Rajsx | 20:00 000 |
| 9 | h | Where to invest all my savings for retirement? | 14:18 | iginv | 19:59 Beensabu |
| 3 | p | Cooktop on/in Counter | 18:41 | rich126 | 19:58 Goal33 |
| 22 | c | Power outlets off and on | 05/30 | mtmingus | 19:53 Mr. Rumples |
| 19 | p | List with a realtor vs FSBO? | 06/03 | mnnice | 19:53 Ktorrence |
| 193 | p | Evaluating private school | 2022 | keith6014 | 19:49 dissentmemo |
| 3 | c | Best cheap smartphone (phone + provider) | 19:22 | miamivice | 19:47 dual |
| 43 | t | WSJ Long Term Care self-insuring article | 06/02 | rustwood | 19:45 smitcat |
| 18 | h | How many Retirees 65 y/o PLUS are going into Retirement with 70% - 80% PLUS in STOCKS?? | 12:52 | mholdi1540 | 19:43 prairieman |
| 10 | c | Munich in July | 14:43 | WHB3 | 19:42 eddot98 |
| 121 | t | Money Market Optimizer Spreadsheet - Releases, Bugs, etc. | 04/04 | retiringwhen | 19:41 retiringwhen |
| 80 | t | Cliff Asness on bonds and stock telling a different story | 06/02 | steve321 | 19:40 adave |
| 3721 | t | The Three-Fund Portfolio | 2012 | Taylor Larimore | 19:39 Blue456 |
| 36 | p | How to plan for helping financially precarious parents in retirement? | 06/02 | transport2391 | 19:38 Stinky |
| 1972 | t | Variable Percentage Withdrawal (VPW) | 2013 | longinvest | 19:34 longinvest |
| 64 | t | Fama quotes | 05/30 | exodusing | 19:31 rkhusky |
| 40 | c | IRS forcing new Login | 04/10 | andyandyandy | 19:21 stan1 |
| 9 | p | Do I really need supplemental disability insurance? | 13:19 | NashTransplant | 19:15 Rex66 |
| 25 | h | Independent Financial Advisor or Brokerage House Wealth Management | 05/30 | Kiko | 19:13 Kiko |
| 59 | c | I sold my car on Craigslist | 01/09 | baconavocado | 19:06 Sandi_k |
| 3 | t | Major Typo in Bogleheads Wiki | 08:09 | Call_Me_Op | 19:04 ResearchMed |
| 187 | p | Finding out your Power of Attorney is useless | 06/15 | Fremdon Ferndoc | 19:01 LadyGeek |
| 3 | h | Retirement account calculator | 06/03 | scgamecocks2946 | 18:56 #Cruncher |
| 16 | p | Career Change - Architecture or Construction Management | 11:38 | allones | 18:55 FeesR-BullNotBu |
| 1 | c | Handicapped accessible van one way rental | 18:30 | Chardo | 18:54 bob60014 |
| 0 | n | Free/low-cost self-hosted/cloud tool to manage small company (non US) profit and loss statement? | 18:42 | pppez80 | |
| 27 | h | what to do with money for passive income | 06/02 | investor456 | 18:40 Marseille07 |
| 18 | p | POD Beneficiary signature rejected after passing | 14:51 | Mike14 | 18:33 Watty |
| 9 | t | Mortgage vs 10 year bond (spread) | 22:38 | grouponde2000 | 18:32 Wwwdotcom |
| 111 | t | Risk Parity | 2021 | slowandsteadywi | 18:25 martincmartin |
| 25 | p | Should inheritance go to child or grandchild? | 09:32 | tjh | 18:23 Broken Man 1999 |
| 2 | p | Adjustment exception question about IRS form 1116, Foreign Tax credit | 08:58 | spottedtiles | 18:22 spottedtiles |
| 8 | t | Is there a way to see a fund’s historical expense ratio? | 06/03 | isaachemingway | 18:21 grabiner |
| 8 | c | Algaecide for Backyard Waterfall? | 06/03 | windaar | 18:16 illumination |
| 75 | t | Is the S&P 500 still diversified? | 06/03 | stocknoob4111 | 18:12 alluringreality |
| 44 | c | Brazilian Jiu-Jitsu for kids? | 06/01 | davebo | 18:08 Sagefemme |
| 6 | p | Is a monthly pension, that has been replaced by an annuity, due to plan termination, taxable in Pennsylvania? | 22:20 | water2357 | 18:05 Rex66 |
| 11 | c | What to do with an old (but great) kitchen | 16:15 | Deighve | 18:03 dratkinson |
| 54 | h | Moving Away from Individual Bonds | 06/02 | retired-early | 18:02 Electron |
| 20 | p | Small business LLC in Texas for access to PPOs in early retirement | 09:22 | inception | 17:57 inception |
| 4 | h | Can you pay a Vanguard IRA account fee with Vanguard taxable account funds? | 21:28 | water2357 | 17:56 dratkinson |
| 30 | h | Purpose of Bonds in AA, Particularly if you have a decent pension? | 06/02 | MrCheapo | 17:54 watchnerd |
| 12 | h | Beginner please help! | 01:45 | Chris333 | 17:43 Bob the Builder |
| 82 | h | Investing only in VTSAX to reach F.I.R.E... too risky? | 06/02 | Tropical | 17:42 Tropical |
| 20 | t | AQR warning: time to rotate to International? | 08:37 | steve321 | 17:36 TacoLover |
| 21 | p | What are your tips/strategies to see and overcome your blindspots? | 06/01 | andysnp | 17:21 spankasmurf |
| 25 | c | Credit Card for my daughter | 08/25 | SimplicityNow | 17:19 talzara |
| 7 | h | Double-taxing foreign capital gains? | 06/02 | bh1 | 17:02 grabiner |
| 37 | h | Is there a retirement savings "crunch time"- and are we in it?? | 2020 | Pinotage | 17:01 worthit |
| 32 | h | Do fund-of-funds TLH internally? | 06/03 | CarefullyCarele | 16:58 CarefullyCarele |
| 3 | t | VTSAX tracking error? | 16:09 | nyejos11 | 16:56 toddthebod |
| 11 | h | Why hold bonds in retirement account when I can just hold MUNI's in brokerage? | 06/02 | andysnp | 16:49 grabiner |
| 1 | n | Portfolio allocation, or: what did I do wrong | 16:22 | bloodymeli | 16:46 TedSwippet |
| 11 | h | Advice on Large Cap Value/Growth Funds | 06/03 | RetireGood | 16:25 grabiner |
| 2 | h | Brokerage Account - Rebalancing | 11:32 | sundartrajan | 16:16 livesoft |
| 26 | h | Which Merrill Edge money market fund to use? | 2020 | Laundry_Service | 16:04 careerdata |
| 863 | c | So what are you cooking | 2020 | Skeeter1 | 16:02 LadyGeek |
| 10 | p | Too much business with one bank? | 06/03 | MtnTravel | 15:59 Jimbo Moneybags |
| 9 | h | Financial Review for FI in 5-10 years | 10:00 | Jsdi7873hd | 15:56 stan1 |
| 31 | c | Ford EVs (and other EVs?) switching to Tesla chargers | 05/25 | harikaried | 15:54 FoolStreet |
| 6 | c | Stockholm hotels | 12:40 | joetro29 | 15:52 joetro29 |
| 47 | p | Best use of Chase points? | 06/02 | newyorker | 15:52 theplayer11 |
| 14 | p | Navigating the kiddie tax | 05/31 | hand | 15:50 jeremy12 |
| 10 | h | After maxing 401K, save the rest in taxable or after-tax Roth? | 06/01 | luckybamboo | 15:46 luckybamboo |
| 6 | n | Bond ETF: How to identify low tax witholding | 06/02 | bloodymeli | 15:46 DoctorE |
| 4 | c | IOS Real Time Translator App Recommendations: French-> English or Spanish | 06/03 | BillyV001 | 15:42 oxothuk |
| 14 | p | Replacement for Car Destroyed by Hail | 13:49 | FriedOkra | 15:41 ClevrChico |
| 16 | c | Cruise AND DisneyWorld ... doable? | 06/03 | srt7 | 15:36 wabbott |
| 19 | n | Keeping most asset amounts in US after retiring abroad permanently. | 06/02 | ebeb | 15:32 TedSwippet |
| 40 | c | Possible gas leaks? (Update and new questions) | 06/02 | student | 15:29 Kagord |
| 0 | p | Genworth LTCI Class Action Settlement | 15:25 | clydewolf | |
| 47 | p | Is it worth keeping credit card debt if you can "beat" the interest rate? | 06/01 | myrongains | 15:17 patrick |
| 12 | p | Mom Gifted a House they Were Leasing to Own..Taxes?? | 05/23 | freakinhobo | 15:16 SuzBanyan |
| 11 | h | Fund Roths from brokerage | 06/03 | Unbrokenspark | 15:09 Unbrokenspark |
| 39 | p | Estate planning/administration without a lawyer. Is it possible? | 06/03 | fsrph | 15:04 bsteiner |
| 63 | c | Wifi for Whole House - Your Recommendations? | 06/01 | ruanddu | 14:57 TomatoTomahto |
| 273 | c | Any audiophiles on this forum? | 2019 | m@ver1ck | 14:56 ClaycordJCA |
| 17 | h | Anyone ever sold their TIAA annuity? | 06/02 | RationalWalk | 14:51 Stinky |
| 67 | c | How does anyone fly on points anymore? (United especially) | 05/18 | MtnTravel | 14:48 ZinCO |
| 49 | t | Treasury Must Issue 1.4T in New Debt Between Now and Year End | 06/03 | BizarroJerry | 14:47 Cheez-It Guy |
| 15 | c | When to replace AC units? | 06/03 | RXfiles | 14:37 runner3081 |
| 17 | t | Substituting broad portfolio with growth in taxable account? | 05/31 | digitalchampion | 14:33 petulant |
| 51 | c | For those in the Bay Area what are typical outage time | 23:55 | gavinsiu | 14:21 SC Anteater |
| 4 | h | Is money ever in cash at Vanguard? | 10:54 | DrivingFun | 14:04 DrivingFun |
| 2 | t | Can One Roth Convert Treasuries In-Kind? | 23:58 | Count If | 14:01 N.Y.Cab |
| 9 | c | Dumb Down iPhone? | 06/03 | ThankYouJack | 13:58 rob |
| 3131 | l | Post your Financial Milestone Announcements Here | 2017 | VAslim16 | 13:34 ruralavalon |
| 3 | p | 529 account beneficiary | 06/03 | miamivice | 13:30 erp |
| 26 | h | Portfolio advice | 05/05 | VB123 | 13:29 Jmc1260 |
| 18 | h | Fidelity Freedom Index fund | 06/03 | johnkgan | 13:27 the_wiki |
| 108 | p | Why no Vanguard 2% cash back Visa card? | 2013 | lhl12 | 13:13 hachiko |
| 7 | h | Does regular income get tax first? or qualified dividends gets taxed first? | 08:55 | andysnp | 12:55 livesoft |
| 5 | c | AMEX Platinum newbie questions regarding credit (Resolved) | 21:32 | student | 12:38 student |
| 2 | h | FZZFX or FXNAX | 11:33 | mikeyzito22 | 12:38 mikeyzito22 |
| 132 | p | Factoring in Inheritance to Financial Plans | 03/05 | TinyHouse | 12:31 InvestorHowie |
| 1 | c | Yubikey 4 - are they still useful | 06/03 | gavinsiu | 12:27 kevinf |
| 82 | c | Last Week Tonight on timeshares | 03/21 | themesrob | 12:22 goingup |
| 33 | h | Automating VT with VTI/VEA/VWO? | 05/31 | hiddenpower | 12:21 CarefullyCarele |
| 9 | p | Another Job Offer Posting | 07:34 | austriak | 12:16 oilrig |
| 38 | c | How to internalize what you read | 05/24 | jaqenhghar | 12:04 AnnetteLouisan |
| 5 | h | Diversification | 2007 | SamG | 11:50 Cubs Fan |
| 2967 | c | What frugal thing did you do today? | 2017 | Nectarineman | 11:48 Wwwdotcom |
| 4818 | t | What are you up YTD? [Year To Date] | 2014 | InvestorNewb | 11:46 Sandi_k |
| 17 | n | Transitioning to Bonds | 06/01 | Aaron14 | 11:17 invest4 |
| 5 | h | FDKLX vs VTI for Roth IRA | 06/03 | johnkgan | 11:11 Johm221122 |
| 7 | p | Buy or walk away at end of lease scenario | 06/03 | jojay | 11:06 pahkcah |
| 147 | c | Doctor says my mom should be in an assisted living facility but we can't afford it | 05/17 | ralphboy | 10:59 cs412a |
| 2 | h | Buying Treasury Bill question | 10:08 | Danw | 10:55 Danw |
| 19 | h | Portfolio Advice | 06/01 | spinzard | 10:35 ruralavalon |
| 15 | p | Help me plan for medical school | 06/03 | VooPhiladelphia | 10:35 TacoLover |
| 158 | p | Everyone is Getting Promoted!! | 05/31 | LaramieWind | 10:31 Pops1860 |
| 54 | t | Why not growth all the way? | 06/02 | meadowrue | 10:21 meadowrue |
| 14 | t | TIPS vs Total Bond | 06/03 | Always passive | 09:46 quisp65 |
| 91 | c | Defense against the dark arts - Pickpockets! | 05/31 | A. L. Breguet | 09:36 FRANK2009 |
| 21 | h | Ally Bank Savings account Vs VMFXX | 05/15 | johnpau | 09:35 DrivingFun |
| 5 | p | Claiming Soc Sec benefits when you qualify for spousal and personal benefits | 06/02 | GoCougs | 09:13 GoCougs |
| 8 | p | LT Capitol Gain situation question | 06/03 | Bikealot | 09:02 5280Tim |
| 4 | p | Social Security planning | 06/03 | dms1170 | 08:58 Kenkat |
| 4 | h | Portfolio Review | 06/03 | JFin2 | 08:53 Outer Marker |
| 4 | t | Why do US small and mid caps currently have lower PEs than large? | 01:48 | ckangas | 08:50 JoMoney |
| 6 | c | Food delivery services | 05:25 | Parkinglotracer | 08:28 stoptothink |
| 2 | t | 'Bogleheads® on Investing' #58: Mike Piper on 'More than Enough' | 06/01 | Jon Luskin | 08:03 Jon Luskin |
| 52 | p | 42 yrs old - How are we doing? | 2021 | Smartbutnotenou | 08:01 vxdx |
| 164 | t | How many are holding cash right now? | 04/27 | Yesterdaysnews | 07:59 Logan Roy |
| 24 | t | REIT vs Landlord | 05/31 | lilemme | 07:40 bombcar |
| 168 | t | Is asset allocation possible without looking at historical data | 04/21 | saver7007 | 07:34 steve r |
| 18 | p | Saving for Next Home Options | 06/01 | scgamecocks2946 | 07:32 jodhpur |
| 47 | t | Does anyone think it's odd that Vanguard has some of the best mutual funds and ETFs but also has some of the weirdest? | 05/30 | GaryA505 | 07:23 Logan Roy |
| 37 | t | Family Member Asking About Fidelity Balanced Fund | 05/27 | Charles Joseph | 07:23 Charles Joseph |
| 12 | c | Summer Virtual/Home "School" programs for kids | 06/02 | ThankYouJack | 07:19 stoptothink |
| 97 | h | Can I retire at 50? | 06/12 | UU37CN13 | 07:14 Tom_T |
| 29 | t | Does it really help to turn off automatic div reinvestment | 05/30 | muel87 | 06:26 muel87 |
| 19 | h | Portfolio Review for Retired Parents in EJ | 05/25 | cadinkis | 06:04 cadinkis |
| 3 | h | Dad inheriting Mom's TDA(403B) | 22:21 | jayboss | 04:55 Stinky |
| 47 | c | Workarounds for the loss of Xfinity cable box | 05/10 | gavinsiu | 03:06 ee22bee |
| 2 | h | Withdrawing Roth 403b and Roth IRA contributions because of foreign income exclusion | 01:10 | LambertStrether | 02:10 celia |
| 6645 | p | What's Your Credit Card Rewards Strategy? | 2016 | guitarguy | 01:02 arsenal_fan |
| 6 | p | 401k transfer careabouts | 06/02 | bdesilusa | 00:16 mbltna |
| 159 | c | Calling all BH wine enthusiasts! | 2022 | khangaroo | 23:56 khangaroo |
| 1277 | t | [Debt ceiling discussion mega-thread] | 01/18 | ShaftoesSpreads | 22:46 Alex Frakt |
| 9 | p | Any better way to get a second mortgage than Discover’s 7.5% loan? | 05/31 | Starbase | 22:36 lakpr |
| 9 | t | Another brilliant Ben Carlson column | 06/03 | sleepysurf | 22:36 Rajsx |
| 8 | h | VT vs VTI+VXUS | 06/03 | Kaione | 22:31 Trance |
| 24 | p | Property taxes in California | 06/02 | Ninja | 21:30 Alex Frakt |
Subforum key:
h = Personal Investments
t = Investing - Theory, News & General
p = Personal Finance
n = Non-US Investing
s = Spain
u = United Arab Emirates
c = Personal Consumer Issues
l = US Local Chapters
I = Non-US Local Chapters
f = Forum Issues and Administration
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