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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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1759 new posts and replies over 233 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
39h[SaveBetter / Sallie Mae] 2.2% No Penalty CD. What is the catch here?07/09 nitpick09:25 Philly30
5hRoth IRA change funds07:28 cookienadal09:24 little_star
25cAm I spending too little on a house?08:40 masonstone09:24 ddbtoth
518tNew fee for Vanguard mutual accounts08/08 Iorek09:24 tibbitts
3hTIPS in taxable... ever?08:39 Offshore09:23 dbr
5cReplacement Fence Cost?20:27 Panama_Brown09:23 tonyclifton
84cI buy extended warranties, here's why.08/15 Chuck Bronson09:23 Thrift Shop
26tLumpy expenses and withdrawing from portfolio08/15 loukycpa09:23 feh
26cShould I do this vehicle swap?20:15 smalliebigs09:21 deikel
17pI am a TSP beneficiary [Death certificates not received]18:09 cookienadal09:21 chemocean
38pThe new passed climate bill: optimizing home purchases for tax savings?08/15 YoungSisyphus09:21 simplesimon
4pWhole Life Insurance for kids as savings vehicle08:48 nycapple09:19 Rex66
11cPorcelain Tile Differences?11:30 Carefreeap09:19 Chardo
1pSS direct deposit09:11 CharlieEvans09:18 cookienadal
32pIs this estate plan reasonable?08/13 Chip09:18 skeptical
57pWash sale situation08/13 usindus202209:17 rkhusky
60hCan’t decide between 401K types (Roth vs Trad) for Tech Worker08/14 blaire95109:17 drk
24pHave never filed the form 8606 with the IRS08/14 KCjoe09:17 bsteiner
0hgoogle sheets portfolio tracker question09:16 feh 
8619cWhat Movie Have You Recently Watched?2014 abuss36809:15 Elsebet
14tLow Tech Asset Allocation07:12 tennisplyr09:15 strummer6969
34hPay off mortgage17:28 Flynow709:14 exodusNH
334tVanguard Portfolio Watch has a new look [Calculations may be incorrect]2021 livesoft09:14 HanSolo
9hStrategy and Portfolio Checkup08/15 wannabeinvestor09:13 tashnewbie
17pWhole Life Insurance Conversion to LT Care Benefit Plan for Medicaid SNF Planning08/14 Nutmeg09:12 Chardo
0nUS dividends withholding tax/moving to another country09:09 tarapararam 
20p[Medicare drug benefits in the Inflation Reduction Act]08/13 tunafish09:07 ekid
1hRecurring ETF purchases08:34 nycapple09:05 retired@50
15tIs it worth converting bonds in a tIRA to a Roth?08/15 Richard158009:05 chemocean
18pDid I get overpaid for my severance?18:24 azhangli09:04 niagara_guy
113pWade Pfau's Retirement (2.2% SWR, Annuities)08/15 Kaione09:02 ScubaHogg
13tWellington Fund Safe Withdrawal Rate History08/14 FactualFran09:02 tibbitts
9hPortfolio Health Check -- Needs Help!08/16 calikitty09:01 tashnewbie
20pInflation Reduction Act - Impact on EV credits17:47 Pinotage09:00 McDougal
158pPersonal: HNW $10M, how did you do it? [High Net Worth]08/12 glashutte08:59 Steve723
18cHELP: Mom's CCRC is changing the contract!!08/15 bh3fpinv08:58 Mr. Rumples
116pHelp! 25 Maxed out credit cards.....08/14 fmzip08:55 fmzip
11cIncrease Car Insurance Temporarily for Road Trip?18:44 creant08:53 creant
16tHow is the Inflation Reduction Act going to effect large cap?08/07 Trance08:52 Walkure
2tVanguard Brokerage Fee Changes08/13 nps08:50 BrandonBogle
32hInternational in Taxable08/13 mikeyzito2208:46 retired@50
7hAlly 2% no penalty CD08:24 anthonypals08:42 indexfundfan
36cWell and Septic Maintenance08/16 CoastLawyer203008:38 cmr79
8hTwo TLH questions14:39 pnw_guy08:35 Affable at 50
16pWhat Triggers An Estate Tax Audit08/15 JazzTime08:33 bsteiner
65cDoes this car exist? Sexy convertible with a backseat2019 SRenaeP08:33 sc9182
15tWhy isn't log returns used to compute Sharpe Ratio?08/15 Anon900108:30 Anon9001
63tWhy is 100% stock portfolio considered high risk?08/12 Pepper1108:27 UNCHEEL
247pSelf Insuring LTC or Buying LTCI?06/30 iim7V7IM708:24 iim7V7IM7
19h[How do I buy Treasury bills and TIPS at auction?]03/28 Kookaburra08:23 jeffyscott
4hMarried Roth contribution limits07:52 Mindblown08:23 Malum Prohibitu
239pAlly Online Savings Rate Increase05/10 BogleMelon08:22 drg02b
2938lPost your Financial Milestone Announcements Here2017 VAslim1608:19 Stinky
8cPlan SW USA Driving Trip in December13:00 Lexi_Roo08:19 Watty
22pMetlife->Farmers 125% Home Insurance raise07/16 NYGiantsFan08:18 NYGiantsFan
59cDealing with a power disconnect/reconnect possibly spanning 24+ hours08/12 jplee308:16 Valuethinker
47tWhy do we market weight USA equity but not global equity?11:39 Trance08:15 asif408
3hLatest advice - specifics on Thrivent Funds transfer to Vanguard08/15 blillai_bh08:05 dbr
5355tSmall Cap Value heads Rejoice !!!2019 hdas08:04 livesoft
229t20 Years for SP500 to Recover08/09 CraigTester08:03 CraigTester
5pEstate Planning Attorney - can we ask for recommendations here?20:06 mkc07:51 mkc
635pQuicken 2019 and forward2018 Scorpion07:49 michaeljc70
113pHSA transfer: Health Equity to Fidelity2021 FIREchief07:31 jbsmith05
14cOutdoor power tools (string trimmer)14:49 psteinx07:30 Sandtrap
166cPlease advise on how to cool upstairs in my 1950s house - UPDATE08/05 Lynette07:30 adestefan
28t[Stocks On Sale!]21:39 slippinsurlies07:21 runner3081
105tFree Morningstar Portfolio Ending06/16 Expro07:17 LadyGeek
311fSearching for Lost Contributors2021 RovenSkyfall07:16 Sandtrap
0pExcess 401k Deferrals - Roth 401k?07:16 hoofaman 
39c(For Women Only) Oh Dear, My New Favorite Wacoal Bra Costs How Much?08/14 lillycat07:11 Sandtrap
33cHome Purchase - Catastrophic Weather Events08/15 MrWasabi6507:07 sureshoe
706tVanguard's Wellesley Income fund is incredible2017 willthrill8107:06 vineviz
538tA Simple Bogleheads Retirement Using Variable Percentage Withdrawals (VPW Forward Test)2019 longinvest07:04 Zeno
5086t[GameStop GME trading mega-thread]2021 Prettyfrtnt06:38 LadyGeek
36cCheap 12V drill - good enough?14:54 psteinx06:26 lazydavid
5tGeneral Financial Planner Info08/11 BigDaddyRich06:16 BigDaddyRich
12pRetiring at age 65 and trying to figure the best source to fund a Social Security deferral until age 70?14:13 iim7V7IM706:09 iim7V7IM7
24tBorrowing to invest08/16 GuyPaul06:07 Parkinglotracer
55tTIPs: The final year in the life of a 5 year TIP04/15 grok8706:06 billyt
0tSome tax estimation custom functions for Google Sheets05:18 kaesler 
4pRetirement/College Expense Planning10:07 avidelta05:18 Parkinglotracer
6h"After Tax 401(k)" - utilize in my case?21:19 thatme05:13 sailaway
2nPortfolio allocation and lowest fees: Investing from Italy08/13 jhonny954604:18 tre3sori
4tRetirement potholes: Sequence-of-inflation risk too08/14 Fremdon Ferndoc03:41 rich126
9cRoad trip to Montreal- Advices needed19:15 September03:25 Valuethinker
4hRoth transfer from Vanguard to Fidelity: a report19:44 telemark03:01 HomeStretch
2hBond location when no more room in tax-deffered accounts?02:53 BFRAME02:58 mary1492
3hInvestment suggestion for H1-B Indian in USA08/15 RRS02:45 TedSwippet
22hMoving money from Company IRA to Vanguard now taking over 3 months. What are my options?07/20 passive10102:38 celia
20tCan rebalancing unintentionally raise a portfolio’s volatility risk?08/15 Kinetic Currenc02:27 Apathizer
20cWhat are some possible uses for an old iPhone8?12:13 an_asker02:03 uglymcmuffin
19cBogleheads: Does anyone organise the things they read online?08/16 Tellurius01:47 PicassoSparks
83hDebating between stock market vs real estate investing08/15 Ciel01:38 imak
13hHave to manage our own Roths now, advisor retiring.19:35 busdriver1100:59 busdriver11
0tWhy aren't CMBs available in TreasuryDirect.gov?00:34 nhs76 
144pOfficial HELOC (Home Equity Line of Credit) thread2020 JohnSmith12300:30 CardinalRule
18cBBB Complaint--Effective or Waste of Time?08/16 DTalos22:55 mmse
25ppersonal rent vs buy debate - SF bay area08/15 tcrez22:45 tjtv
6cAlbuquerque balloon fest; late to the party. Suggestions?08/16 260chrisb22:35 Pu239
29tVanguard fund names ending "CL"08/14 vectorizer22:26 asset_chaos
145cBoglehead Cellphone carrier08/05 Phinance22:22 Starbase
11cSummer visit to Big Sky, MT...what to do there?08/10 relentless122:14 Starbase
5pNo fee prepaid debit card?17:08 Ladeedaw22:05 Ladeedaw
4pEstate Tax Pitfalls [US citizen and Australian spouse]13:27 nimo95622:00 bsteiner
13hVanguard New York Long-Term Tax-Exempt Fund Admiral Shares (VNYUX)08/14 Outafter2021:51 Outafter20
45cLong(ish) term storage for computer files?08/13 NYCaviator21:32 enad
17hPension LS and Overall Portfolio Advice08/15 Marsh4521:31 Marsh45
14nTwo International Debit Cards: Wise vs. IBKRs08/13 Maris6121:19 Maris61
11hRebalancing with new money09:51 geo500021:14 aristotelian
29pSSA erroneously claims “You have earnings not covered by social security”08/11 Nutmeg21:09 Nutmeg
810tInteractive Brokers (Best Kept Secret)2015 Andymoler5821:07 Marseille07
5hTax Location Help13:35 koldude20:47 grabiner
97hVanguard Money Market Funds - Differences in Returns?05/08 water235720:47 water2357
3pcash in lieu of benefits and Marketplace insurance?08/11 pirsquared20:44 Metsfan91
7pCheck In/Next Steps?19:25 Tyrael31420:43 Tyrael314
13hTaxable Account-Contrarian Opinion-Questions15:54 ThriftyGeorge20:39 grabiner
12pSelling House after Mother Passed Away (Two Siblings)13:41 bowtieman8120:17 MarkNYC
41cBuilding a small battery backup with life4po 12v100ah battery?08/15 jplee320:12 RetiredAL
22cselling comic books04/10 billyt20:11 jeffG
65tWhat Experts Say about Individual Stocks vs. Mutual Funds2015 Taylor Larimore20:09 Logan Roy
14pBest way to send US$ to foreign bank account08/16 Caduceus20:07 sksbog
34tAnyone Regret Converting Mutual Fund to ETF?2020 Kookaburra20:06 UpperNwGuy
6tProblem transitioning to Vangaurd Brokerage account. Please help!08/14 invhelpme20:03 invhelpme
6nFirst year dual status return to US [from UK]04/04 Disqo20:00 Lazerr
12pMega Backdoor Roth eliminated in the “Inflation Reduction Act”?08/06 Joyful19:53 pasadena
0hWhich stock platform is best for Stock Lending19:48 Posty 
20cUsing your smartphone as a hardware key instead of Yubikey08/12 gavinsiu19:48 Afty
4hTransition to Vanguard Brokerage Account [Impact on Social Security payments]08/14 Tutone19:47 Tutone
12tPortfolio construction assumptions08/04 konik19:38 nedsaid
4106c[What TV Show Have You Recently Watched?]2016 dbCooperAir19:37 Doom&Gloom
2pBeneficiary Changes19:10 LFremont19:31 increment
11p"Claim and switch?" Social Security question16:59 Cara19:29 David Jay
1488tLifecycle Investing - Leveraging when young2019 Steve Reading19:23 comeinvest
6pCap Gain Reporting to IRS08/15 boater0719:21 Artsdoctor
9pMega Backdoor Roth: tax efficient steps when after-tax contributions must "soak" for 24 months, resulting in gains08/09 t6throwaway19:21 neo_ny
0tHelp me find a bond ETF19:18 Neus 
1142tTrading Treasuries (nominal and TIPS)05/24 Kevin M19:18 Kevin M
3t'Bogleheads® Live' #16 podcast is out: taxes on mutual funds13:32 JonL19:14 Artsdoctor
308tLet's Talk SPX Box Spreads02/21 GeraniumLover19:03 Kevin M
15pAlly Bank to offer Early Direct Deposit08/03 anon_investor18:56 calwatch
13cGoogle login: force 2FA every time08/09 K7218:32 Northern Flicke
3604pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly18:32 anon_investor
16hRoth auto deposit accident08/16 2muchfun18:28 ResearchMed
540pPrimer on Paying Taxes With a Credit Card2019 whodidntante18:23 calwatch
9tHow will the 1% excise tax on buybacks affect dividends?15:25 Lyrrad18:21 billaster
11p12-Month Mortgage Rate Lock: Is It Worth It?08/15 LMK518:21 LMK5
7cAcupuncture - package treatments or a la carte?15:17 jplee318:12 oldcomputerguy
13pProtecting Assets from Civil Lawsuits08/15 MrCheapo18:10 cbeck
15hFidelity site issues Saturday, 8/13?08/13 feh18:05 am
10hThoughts on my 2050 Targeted Funds Asset Allocation?09:53 MrCheapo17:51 Charon
99tPlanning for a 50% MARKET CRASH before or at retirement08/14 Charles Joseph17:48 seajay
87hVanguard: Upgrading Yubikeys08/02 jamesthebaker17:47 Lynette
57hNeed help converting Trad IRA to Roth IRA08/05 joelly17:21 joelly
2735pFidelity as a one stop shop2018 BogleMelon17:18 Blue456
21hTreasury bills auction: couldn't find it today05/02 AQ17:06 RubyTuesday
3hExternal Vanguard Account [How do I change automatic reinvestment options?]14:50 stargazerlily0316:59 chemocean
13hNo auto-investing in ETFs at Fidelity?15:21 bernie515116:58 ruralavalon
4lBH Zoom meeting- Stoicism & Behavioral Finance- Wed 8/24/22- 8:00 pm ET15:29 Miriam216:51 ScubaHogg
815hPurchasing MYGAs (multi year guaranteed annuities) - mega thread2020 Stinky16:49 prozario01
2hSelling all accumulated RSUs08/15 AstaticInventor16:46 AstaticInventor
4379tWhat are you up YTD? [Year To Date]2014 InvestorNewb16:28 PinotGris
461tVanguard Customer Service Mega-thread2021 PinotGris16:22 PinotGris
11pChoosing healthcare option - would lose HSA benefit - help with decision11:57 michael2816:20 AnEngineer
6pIndividualizing Life Expectancy Estimates08/16 wolfv16:20 LadyGeek
6cBasement finishing13:02 srt716:05 srt7
13hBND08/15 Eastcoaster21215:59 jimkinny
4pCollecting SS on a restricted application - What to do at age 70?08/16 munemaker15:44 Chip
10hAlternative approaches to a large buy08/14 Lincoln Logs15:24 aristotelian
1pFSA limits on usage (not just contributions)?08/15 yules15:17 Duzz78
59hSingle company Stocks08/13 NabSh15:17 happyisland
2pInflation Reduction Act Discussion [Can we discuss it yet?]08/12 neurosphere15:02 LadyGeek
261cAny Boglehead musicians out there?06/19 Jazztonight14:58 Steve723
65tMoney Market assessment for Vanguard, Schwab, Fidelity, and Merrill Edge08/12 marbat14:58 Electron
15cWhat to do after car accident that results in total loss10:51 apple4414:57 Big Dog
5cHome office: Good Computer desk & computer chair10:49 arengarajsug8814:54 LittleMaggieMae
9cBasement insulation08/15 friar161014:36 homebuyer6426
138cYNAB doubles it’s prices for legacy subscribers11/01 guppyguy14:35 beardsicles
10tTurnover Costs = 1% of Turnover Rate?08/15 JSPECO914:32 Beensabu
53hDollar Cost Averaging vs. Lump Sum Investment?12/30 Jwheels13:59 wetgear
31cSt. Louis Travel/Tourism2019 psteinx13:52 Marseille07
29hIncome Annuities08/14 TopCat12313:52 deikel
77c[Retired couple] Thinking about moving to Madison, WI or Minneapolis, MN08/08 Hebell13:48 Steve723
8nUK pension lifetime allowance - take more or less risk?08/07 pennywiser13:44 pennywiser
2pbehavior of short term TIPS12:53 tcrez13:35 protagonist
10hFinally saving some money for the first time08/15 anthonypals13:35 LittleMaggieMae
12cCovid tests/vaccine billing - statute of limitations?08/16 an_asker13:22 an_asker
27ciPad Mini for Travel (in lieu of Laptop)?08/13 Small Law Survi13:18 treypar
642cThat Frugal Thing You Do2009 Boglenaut13:18 123
3pChild electing to report U.S. savings bond interest annually10:45 ivgrivchuck13:18 Buford T Justic
10pMerrill Edge customer support and email address?04/07 finguy4713:16 djshackesq
3tVWAHX (High Yield Muni) payout11:58 sunny810713:15 Florida Orange
1nThought on this bond allocation for non US investor08/13 Neus13:07 Laurizas
14pNew job doesn't have 401K for first year - options?08/15 neko0613:03 newacct
6hMaximize contribution to 401(k) after retiring?08/15 Astounding12:53 celia
16pProtecting gifted home from Pennsylvania Medicaid08/15 rustwood12:51 PeninsulaPerson
16pWith New and Used Car Prices so High, Does Car Repairs Make More Financial Sense?08/15 stimulacra12:46 folkher0
11t4 month T-bill? [Resolved]12:06 anoop12:43 Doc
3hAdvice hiring a tax advisor...08/16 Lemonaid5612:38 FiveK
0tBogleheads® Live: Submit ?s - Derek Tharp on retirement spending12:31 JonL 
3436tI Bonds Mega Thread (I Bond Heads Rejoice!)2021 tomsense7612:28 Kookaburra
11pIRS PUB 926: Paying the employee's share of social security and medicare08/15 jgalt13312:26 Lee_WSP
125tStocks, bonds on track for worst year since post-Civil War07/01 Fremdon Ferndoc12:24 alfaspider
3pDisability Quotes - Cancer not covered?10:08 Fredz400012:21 Rex66
14pLate to the PSLF student loan forgivess policy08/15 puissant12:15 SheReadsHere719
2pHealth Equity Inc Check Rejected by Bank10:32 Redwing12:13 MarkerFM
2tGold holders--do you diversify across storage locations/counterparties?10:57 Morik12:11 seajay
12p19 month CD terms08/15 RMWinCalifornia12:02 Katietsu
4hSell inherited single stock?11:21 Nowwhatnow12:01 Dottie57
77pVacation home…financial suicide or reasonable?2021 Vtsaxandchill11:59 changingtimes
89pHas anyone used Income Strategy website/software?2018 busdriver11:54 n00b
4hSolo 401k Traditional + Roth should I mirror?08/16 ElDuro11:45 SnowBog
5hCD Ladder basics?08/15 swylie11:43 sport
15pMedicare or spouse's health coverage - issues to consider? (Asking for a friend)08/15 PeninsulaPerson11:40 PeninsulaPerson
21cPSA - Clean Computer Vents08/15 SVariance111:27 tuningfork
9pAmerican Health Insurance Premiums08/15 Caliscotsman11:21 marcopolo
1cPSA: NYTimes All Digital Access $5/mo09:52 RubyTuesday11:19 runner3081
49cVanguard Website08/12 ubermax11:18 Dan999
45nAre capital gains tax exempt in France for a US Citizen?03/23 assyadh11:16 assyadh
254tMaximum years of X in Fixed Income02/01 TheTimeLord11:15 Florida Orange
27pCan I Retire?08/11 2mwasmytarget11:08 2mwasmytarget
10pRenting vs Buying a House08/15 Joyful11:08 Cognitive_Squee
4n401k, ROTH IRA vs Taxable Brokerage (NRA) (Indonesia tax treaty)08/15 Chupmanot11:07 TedSwippet
3hVanguard buy etf in dollars instead of shares08/16 mamboking10:58 SmileyFace
19cDisposal of sports collectable items08/13 MP17310:50 Watty
5pCorrectly reconciling HSA contributions with IRS form 5498-SA?08/15 spottedtiles10:49 MP123
10nVWCE not down as much as it should?05/18 Polaroid2210:42 jg12345
61hPortfolio check and 3 questions - tax efficiency when rebalancing, iBonds, Roth conversion06/26 Aguilar10:41 SnowBog
14cLearning to ride a horse - at 5508/11 Theseus10:35 Theseus
1nLifecycle Investing and it's Tax Implications [Austria/Europe]]08/13 Rafff10:30 Rafff
9hShould Add a Municipal Bond Fund in Our Joint Account?08/13 Sammy12309:57 Sammy123
8hInvesting in an up market after a transfer08/15 Merry09:54 tashnewbie
31hWould you trust a B++ MYGA?08/14 relativeratio09:37 Stinky
29hAsset Allocation for College Savings08/14 btax8009:36 solarcub

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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
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