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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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1843 new posts and replies over 246 topics in last day (sorted by Latest Reply). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
8tMethodology for buying VOO?20:10 Zen Index15:34 starboi
5pCan I afford to sell my home after 2 years?15:01 Bob Sacamano15:34 jebmke
0tNew "Bogleheads on Investing podcast" Christine Benz discusses taxes, SECURE 2.0 and safe withdrawal rates in retirement15:33 Rick Ferri 
6hTaxable status for Vanguard cash funds (VUSXX VMSXX VYFXX VMFXX)01/28 mangoheadgolf15:32 Scorpion Stare
46pBuy vs. Rent15:34 miami_renter15:32 Apathizer
19hWhat is largest T-Bill/ Note have you purchased01/28 iCare15:31 anon_investor
11hIs Mental Accounting Always Bad?08:41 RandomGuyOnInte15:31 strummer6969
8tDoes it make sense to have multipe bond funds of varying duration?14:39 Phaedrus15:31 UpperNwGuy
373p[Using PayPal to pay bills and earn 5% on credit cards]2021 jeffyscott15:31 mangorunner
0hPortfolio Check Up - 2 Years Married Couple15:30 vangaal 
3hAn Asset Allocation Decision14:27 Sgt.Pepper15:29 Sgt.Pepper
1pIRS Pub 936: Mortgage Interest Limit14:20 pancake1915:29 HueyLD
38hFunding for a second home using a HELOC vs Reverse mortgage vs new mortgage vs IRA withdrawal.12/12 Homeby515:28 Homeby5
37hTarget date funds06/16 JD10115:27 retiredjg
0cUse an electronic de-scaler with a water softener?15:25 LPSpecial 
54hFrom which accounts should my mom gift a large sum of money?20:39 VINNY15:24 HomeStretch
3pStep up basis for multiple generations13:03 Citifan15:22 obafgkm
28pBad Homebuying Experience. Need Advice14:11 PNWpilot15:21 simplextableau
21tA Variant on Target Date Funds that uses Deferred Life Annuities01/21 Horton15:20 Horton
5pHanover vs Erie insurance06:00 Kelly15:19 Kelly
47cHow to Find a (New) Medical Specialist01/18 fishmonger15:18 LuckBeALady
10h6 month T-bill question06:47 WarAdmiral15:18 Dead Man Walkin
2pHow is inflation applied to tax brackets?14:08 GeoMetry15:17 GeoMetry
74pWhat to do in retirement01/27 liveinaz15:16 8301
4pForeign tax credit carryback03/23 Klewles15:15 neurosphere
39tIs It Too Late To Add International Stocks?09:38 Charles Joseph15:13 Triple digit go
20hLooking for Guidance: Overview of Investments01/25 SirKillz15:10 retiredjg
12hReal Return Portfolio vs Bucket Strategy01/27 BigDGB15:10 BigDGB
50pHoly moly my credit score dropped like a rock!!01/28 Lynx31065015:10 dcw213
73hStruggling to understand the value of bond funds in my situation01/28 tallgaijin15:07 KlangFool
1583tLifecycle Investing - Leveraging when young2019 Steve Reading15:06 skierincolorado
16cProducts for getting caffeine quickly in the car21:22 teelainen15:05 cmr79
1535pRetiree Portfolio Model2012 BigFoot4815:05 BigFoot48
58hBND Bears01/27 Olemiss54015:03 feh
96pAge and probability of needing long term care?01/20 Fremdon Ferndoc15:01 Lee_WSP
7tTIPS vs Bond Market Efficiency07:38 Charles Joseph15:01 grabiner
72tFunded Ratio Offers a Glimmer of Hope in 202211/19 Horton15:01 Horton
285tTotal portfolio allocation and withdrawal (TPAW)2020 Ben Mathew15:01 Ben Mathew
14cBuilder demanding to increase price after contract signing11:33 nag00714:57 TheRealBadger
1pHSA contribution for previous year and H&R Block14:54 mikewala14:56 jebmke
8pNon-qualified Annuity.13:54 BarbBrooklyn14:56 BarbBrooklyn
0pWhat should I do with cash value life insurance?14:54 CygX1 
0hRoth IRA Excess Contributions 2021 and 2022 (Tax Question)14:51 arw526 
12hTarget date vs 4 fund22:57 bdwb14:49 galawdawg
23pForeign Tax Paid and VTIAX (Total International Stock Index)01/27 PhinanceMD14:45 neurosphere
193pWhat’s Your 2023 Budget?01/16 TinyHouse14:45 lostdog
39cSwitching to 1Password from LastPass02/03 Hoosier CPA14:45 OpenMinded1
9tHelp me understand “commission free annuities”01/27 confuzzled14:42 confuzzled
2tTarget funds attractive right now?11:57 geo9914:41 geo99
2cdo we need a popup, survey, web annoyance master thread?13:13 heartwood14:40 galawdawg
1pIs my wash sale short-term or long-term?09:18 Kudu14:39 FactualFran
25p50% in SPIA09:22 Johm22112214:39 Stinky
76pWhat’s Up with Medicare Advantage Ads?01/20 bobcat214:38 Lynette
23hTim Buckley's description of Tax Loss Harvesting (Totally different than I have done)19:38 GumSprings14:37 grabiner
90cKeepass password manager questions12/05 K7214:36 Northern Flicke
10tGiven Social Security, Do I Need TIPS?07:15 Charles Joseph14:34 Florida Orange
4589c[What TV Show Have You Recently Watched?]2016 dbCooperAir14:33 Mishigami
15pRecommendation for credit card01/28 RunLong14:30 lakpr
10tImmediateAnnuities.com2021 jackoak14:27 rgs
39tGold as diversifier01/27 konik14:24 Northern Flicke
5hQuestion about RMDs from illiquid TIAA Traditional13:23 itsmeagain14:24 colejr
32cTurbo Tax and Old Macs05/02 mcblum14:23 grok87
8hGood fund? Vanguard Total Intl Stock (VTSNX)07:57 investment guy14:22 investment guy
8cWould you buy a certified pre owned courtesy car with 30k miles on it?11:00 relentless114:22 Afty
7tSafe place for funds during construction?07:47 Bradford14:21 galawdawg
26cone-week trip to Europe in July01/28 carloslando14:21 hunoraut
9320cWhat Movie Have You Recently Watched?2014 abuss36814:20 wm631
92tCan you express your investing philosophy as a limerick?01/23 buckeye798314:18 Eagle33
121cLinux Desktop today how is it as a daily driver?01/23 gavinsiu14:18 tibbitts
2586cWhat frugal thing did you do today?2017 Nectarineman14:16 wabbott
3pAssuming the mortgage of a spouse who died01/26 iceman6814:15 iceman68
162cWhy very high speed internet?01/18 exodusing14:12 sandan
286tThe “Bucket Strategy” is ineffective (ERN)01/25 TinyHouse14:10 mhop
7hMerrill Edge vs Vanguard Fund Options01/28 ATLInvestorGuy114:07 David Jay
42cTwo years of owning a Peloton:by the numbers2022 loghound14:05 cmr79
15hTIAA Trad Guaranteed Rate Increase23:26 JS-Elcano14:05 aristotelian
167tHere's my portfolio2019 vineviz14:04 Outer Marker
25pWhere to Find Tax Basis in Vanguard for Past DAF Donations?2019 machinepremium214:01 Artsdoctor
30hTransferring 1 share to bypass minimum requirement08:53 iCare14:01 HomeStretch
12cworth spending 120K airline miles to save 5 hours on a trip?10:47 carloslando14:00 hunoraut
7pOpening VG brokerage account under Trust01/26 S_Track13:51 S_Track
6pEmergency Fund08:40 rockthisworld13:51 Pops1860
28pCommingling annual gift tax exclusion question01/28 EnterprisingDud13:49 JackoC
63tcould chatgpt lead to a world where picking individual stocks outperforms index funds?16:54 Physician10113:48 rob
3tUnderstanding Mutual Fund Distributions11:20 pp0562913:47 livesoft
8pCan this be right? This can't be right. [non-deductible travel expenses]10:58 Bammerman13:46 aristotelian
7cIs there a way to block cookie consent pop-ups10:08 gavinsiu13:45 stan1
30cGoing to Look at 2016 Honda Odyssey Tomorrow - Your Advice20:05 ruanddu13:41 enad
3cAn AirTag question05:52 MrWasabi6513:39 Doctor Rhythm
7pIncorrect SSA-109910:46 cadreamer201513:39 jebmke
6hI need help with the amount to put into my 3 funds to try to keep a ratio01:01 passive10113:35 Outer Marker
6hWhat to do with inherited non-spousal 401k19:19 SilverLining13:33 Alan S.
3hRoll solo 401K into SEP IRA?11:06 Shrinkguy13:29 Shrinkguy
74tWhich do you think is the better investment: real estate or the stock market?01/25 mikejuss13:29 Apathizer
255pAlly offers 1% cash bonus on new deposits - up to $500 bonus10/12 NewbieBogle00713:27 minesweep
1cBought house- locate path of sump pump drain12:05 OCDinvestor13:25 Coulter
61tIs bond duration-matching uncontested for retirement?01/27 Poe2213:24 GAAP
8cMold in my home- need a recomendation21:48 fmhealth13:22 fmhealth
4317pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly13:21 unmesh
28pSocial Security [and Death of Spouse]10/13 Sahara13:18 Agent86
78pChase $900 Checking + Savings Bonus01/21 Gash13:17 anon_investor
18tMuni:taxable MMF spread volatility01/26 White Coat Inve13:14 anon_investor
4nMy portfolio: seeking advice06:20 chiant111313:13 chiant1113
7hInternational options in 401K plans01/28 PA_Boglehead13:13 ruralavalon
912cLet's play chess2021 LadyGeek13:11 Marseille07
4hReturn Expectations01/28 Kaione13:09 GAAP
0hRoll over 401k to 401k [ADP to Fidelity]13:05 vivekian123 
15pShould I accept this Met Life Long-Term Care Inflation Offer?01/27 biscuits13:00 biscuits
12pCar Insurance - Negotiating Payout for Time Spent Dealing with Claim01/28 takingcharge12:57 8foot7
6hPortfolio review request 10-15 years out from retirement with pension (without inflation adjustment) -- advice?01/28 er99912:57 renegade06
5pRoth conversion taxation at local level in non-taxable state?10:25 aaaaaa11111112:54 FiveK
48pCo-owning a home after divorce01/27 an00j12:53 UpperNwGuy
4tCan K1 income be offset by capital loss?10:25 kxl1912:53 JackoC
8cCutting Installed Bathroom Tile08:49 harrad12:52 JoinToday
8pEstimating Health Care Costs for Early Retirement Planning09:29 gck189112:44 cockersx3
67hEarly retirement -- good to go?01/27 Morik12:44 Squirrel208
71tThe Worst U.S. Portfolio Disasters — A Historical Comparison2018 SimpleGift12:38 PotashDoggerd
591cPSA - LastPass breach!08/25 samsoes12:35 rebellovw
54pNailed It! (tax refund)01/28 dogagility12:30 SnowBog
7hTax loss harvesting timing01/27 grateful7512:20 grabiner
5488tSmall Cap Value heads Rejoice !!!2019 hdas12:19 Kenster1
1928tFirst 20% of bonds in long-term Treasuries2019 vineviz12:14 SnowBog
85pHow to spend more money - request for help regarding an article01/26 Allan Roth12:13 JackoC
3579pFidelity as a one stop shop2018 BogleMelon12:12 Lyrrad
37cWater and Sewer Line Insurance01/21 aburntoutcase12:03 Tubes
148tTaxation of Treasury bills, notes and bonds11/15 Kevin M12:00 AAA
6pMedicare Lookback and HSA Contributions from employer21:20 Tdubs12:00 Tdubs
77cJanuary Gas Bill - Wowza01/27 Beensabu11:58 LadyGeek
8h401k contribution choice: w-2 or solo401k01/28 Lock11:30 Lock
9cCar seat:Doona vs travel system15:54 tommy8511:28 fasteddie911
25hBig earner/big spender thoughts on FIRE?01/28 brnracct11:17 PotashDoggerd
9pGlide into retirement or OMY?01/28 SchruteBucks11:12 Morgan22
3606cWhat are you listening to now2020 Artful Dodger11:07 heartwood
2pTurboTax basis (8606 line 14) after recharacterization and backdoor09:23 viii11:05 Pops1860
32hRoll into new 401k OR Roll into IRA and Lose Backdoor Roth?01/16 catchinup11:05 fyre4ce
1nMy Portfolio: Seeking Advice (Malaysia)20:35 SeanJeremiah11:00 jg12345
204tInternational Stocks return will be superior to US01/25 erishera10:54 Nathan Drake
2cCabinet Installation09:45 SVariance110:35 SVariance1
123pOne More Year Club [Delaying Retirement]2022 Zardoz10:30 Jeepergeo
6pDid I make a mistake in conversion and/or reporting?01/28 tACKJAYE10:24 capran
6456cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt10:19 Barkingsparrow
5fQuestion about PM's on this forum17:14 investment guy10:17 Soon2BXProgramm
32cDentist called 6 months later to get their discount back01/27 pedr0o10:16 8foot7
15hHow to determine personal contribution amount for Roth IRA?01/28 coreman7310:12 retiredjg
0pTax amendment10:07 doon 
15h35k inheritance01/18 Wolveraider10:04 Harmanic
11hFather passing, IRA benefits08:58 Paullmas10:03 Paullmas
5pTax Deductibility of Stock Borrow Fees (Fairly Technical)01/28 1060WAddison09:55 1060WAddison
8pNo form 709 (gift tax) on freetaxusa07:38 sir_throckmorto09:55 HueyLD
10tWhat defines a bubble?08:44 ChinchillaWhipl09:55 burritoLover
2hAuto RMDs w / ETFs - Vanguard still can’t do?04:05 Parkinglotracer09:53 JazzTime
0tPBS Film: When I'm 65 is now on YouTube09:48 Harmanic 
58tTrying to make sense of the market01/27 OldSport09:39 GreenLawn
38cTechnivorm Moccamaster KBTS coffee machine01/26 sunny_socal09:28 ktdintex
4833tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab09:18 spammagnet
14tTaxable vs non-taxable investing: WWYD?01/27 Keim09:12 Mike Scott
40cWhat are your favorite vacation destinations/spots in the U.S.?01/24 Looking4Answers09:12 ScubaHogg
0pFixing a flawed money flow: how to transfer 1099-k (credit card) income from one business to another?09:12 foolio97 
4p[Turbo Tax and] Roth contribution limit20:52 swylie08:55 swylie
2hAny utility in diversifying bonds selection in taxable?05:04 cone77441308:54 dbr
40hBoglehead's version of play money?01/27 blimp08:32 bltn
3637pShare your net worth progression2014 techcrium08:29 BizarroJerry
9cSecurity concerns using Thunderbird and IMAP?01/28 K7208:21 galawdawg
2cTell me why Google Voice is more secure than SMS text07:59 Fremdon Ferndoc08:20 beyou
18hLifestrategy Growth in Taxable Brokerage01/26 zen_invest08:17 azphx1972
5hTrying to emulate VTSAX (Vanguard Total Stock US Funds)16:45 investment guy08:09 investment guy
41pPay down mortgage or contribute to retirement?01/26 Quentin__Tarant08:08 azphx1972
26tVanguard in ??? Monroe, Wisconsin, pop. 11,000, Swiss cheese capital of the world?2020 nisiprius07:56 peppers
103tUnder what conditions is a 50/50 portfolio worse than any other?2021 Phyneas07:46 Logan Roy
15pFidelity TBILL maturity - How long until funds are available?01/28 Gash07:42 AnnetteLouisan
19hWhich portfolio is right for us?01/26 ZOOM67807:39 GMCZ71
22cWhich Southwest USA Trip Should I do?01/28 SuperSaver07:37 Outer Marker
2172tModified versions of HFEA with ITT and Futures / Lifecycle Investing with Modern Portfolio Theory2021 skierincolorado07:04 comeinvest
14cRepairing & Polishing Quartz Countertops12/15 foghorn30006:40 foghorn300
17hTreasury duration?01/26 Mayflower540506:02 1moreyr
54c27 inch or 32 inch monitors01/28 Deighve03:30 cjking
210hVanguard Money Market Funds - Differences in Returns?05/08 water235703:16 water2357
25hNeed investing advice for elderly mother01/25 InvestingDoofus03:09 water2357
26pHow to do QCD with HR Block Deluxe??01/28 vtMaps03:03 vtMaps
12tHow do I feed the 30-day SEC yield into a spreadsheet?2018 seugene02:45 cacophony
7pBackdoor Roth Excess Contribution Return12/16 Sgt.Pepper02:23 Sgt.Pepper
1nVanguard Global Aggregate Bond (Hedged) rating01/27 tradez02:22 glorat
12cIdeal europe trip in late May/early June19:08 rm02:06 typical.investo
11pComplicated tax situation - do I need a pro?17:48 peterwantstosav00:23 Metsfan91
27pTax question: can I write off “travel expenses” from work to home - state and city01/24 catchup23:44 catchup
10cbay area solar roof and battery01/25 babystep23:27 HornedToad
6nEDV vs Individual STRIPS [Vanguard Extended Duration Treasury ETF]05/02 nadavaf23:22 nadavaf
589lSouth Florida Local Chapter2010 niteowls22:16 Miriam2
6cBest grocery delivery services01/28 tc10122:14 Johm221122
194hPaying for [ivy league school]01/23 iCare22:01 Vulcan
32tTax costs for US and international value ETFs2021 grabiner21:51 grabiner
12hRoth Conversions to Reduce RMD01/28 VillageDrive21:39 Navillus1968
161l[favorite] Boglehead quotes2012 grabiner21:37 Rowan Oak
6t"Do You Have A Humpty-Dumpty Portfolio"01/27 Taylor Larimore21:36 Charles Joseph
22pAge 70+ Buy Car or Lease or Rent or Uber/Lyft?17:06 Carno21:33 Nowizard
76hIs the worst of the bear market behind us?12/05 ebeb21:09 Firemenot
16hPortfolio Watch01/24 JD10120:57 JD101
16pErroneous 1099R01/28 eddot9820:47 eddot98
6pMaking estimated tax payments 1040-ES19:57 VINNY20:41 VINNY
51p2022 Tax Return vs. 2023 Tax Return01/27 bg520:18 InvestorHowie
22pWhy Yubikey-based challenge-response authentication matters01/26 Northern Flicke20:16 jincopunk
85cGoogle Voice?01/18 LaurenRose20:11 WannaRetire
77hHow to re-enter market in 202301/21 mruizesparza19:56 White Coat Inve
274cAmazon Prime membership increase to $13902/03 runner2619:41 magazinewriter
466cSoftwareGeek's Guide to Computer Security12/19 softwaregeek19:37 international00
50tAll the Personal-Finance Books are Wrong09/01 McQ19:35 Carno
22cOpinions on Limes01/25 SVariance119:35 BogleFan510
8pWyoming State insurance instead of Medicare Plan B01/25 JediMisty19:27 Good Listener
9cmail spam folder17:08 boater0719:25 JPH
18hNewbie needs advice on managing windfall12/03 SilverLining19:22 SilverLining
9hTransfer-in-Kind Individual->Joint Fully Online - Vanguard? Fidelity?01/24 need403bhelp19:14 need403bhelp
20pInvest vs Save vs Debts11/10 EducatedlyWingi19:04 Carno
58cwashing machine replacemnt08/13 jpohio18:45 criticalmass
2hIs vbtlx a good form of bond ladder01/26 rch202118:37 rch2021
13hHelp me allocate MY Bonds, please!01/27 llmgwc18:30 placeholder
9p0% COLA Annuity vs COLA Annuity vs Managed Payout01/23 PSM18:29 PSM
10tS&P500 giant bubble?16:53 ChinchillaWhipl18:27 LadyGeek
5pDoes dependent need to file tax return01/25 verbose18:19 verbose
19h2-Fund portfolio inside a TSP01/24 dave.m18:18 jpelder
11t2022 Bogleheads Conference Videos12/09 ObliviousInvest18:13 AlwaysLearningM
4pIRA Recharacterization after losses01/27 JeuneCracoucas18:06 JeuneCracoucas
4pFZDXX 7 day yield versus capital appreciation number?12/31 MrsRobinson196817:59 dbr
27pInflation Reduction Act - Home Improvement Rebates & Tax Credits01/21 Calvert17:56 UpstateNY86
5hSS Early Retirement Calculator16:28 Kiana17:43 Kiana
31hTransfer in kind from Edward Jones to ?????01/26 ZOOM67817:38 ZOOM678
103tNew tool for building a TIPS ladder01/07 kaesler17:30 Kevin M
16tSafest Type of "Non-Gate-able" Money Market Fund ?10/11 over4517:26 Lyrrad
47cDecomposed Granite suggestions11/04 jplee317:16 jplee3
9pBusiness [credit] card for low expense side gig01/28 coalcracker17:10 Nohbdy
1pJoint Savings Acct and Gift tax16:57 boater0717:05 HueyLD
136cAny way to buy a decent refrigerator these days?10/15 catchinup17:01 preach
10pMarcus by GS is not closing my profile01/28 gotoparks17:00 3000
417pFidelity free Turbotax 202211/07 zeugmite16:48 Hayden
13pSEP- IRA vs Traditional - can I choose which to use this year?01/27 boglebill201516:47 Northern Flicke
17hAre these funds too similar to have both? If not, which one should I keep? [And request for portfolio review.]01/24 robindbee16:42 robindbee
3hRoth Overcontribution 2022 Fix01/28 Mc_Evan16:39 retiredjg
108pEquifax Data Breach Settlement02/01 AWCM16:38 Mel Lindauer
6pAA repaired--New Q: How to structure drawdown?01/27 robindbee16:24 robindbee
6h401K Contribution Date Question01/27 GP81316:23 GP813
3h401k vs 457?16:03 rhubarbpie16:15 lakpr
11pFinancial Records Retention01/14 tomd3716:00 enad
5hVanguard Cash Deposit vs. Vanguard Cash Plus15:43 ScooterBob16:00 ScooterBob
20cBest Way to Obtain Honest Coin, Bill and Stamp Appraisal01/25 malabargold15:55 Invictus002
28tTreasury yield curve changes over last month06/03 Kevin M15:43 Kevin M
8hBuilding my Portfolio New01/23 meda515:39 lakpr
26pClaiming EV tax credit for a family member01/27 Theseus15:34 Theseus

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p = Personal Finance
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