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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.


Post ListingsView subforum list

1823 new posts and replies over 244 topics in last day (sorted by Creation time). Days: 1 2 3
# Replies Subforum - Topic TitleFirst Last   
Subforum - TopicLast   
0hLong Term Care - From An Annual Expense Standpoint16:21 Myopic squirrel 
3pIRA distributions in H&R Block software16:03 bsteiner16:19 jebmke
6pAm I responsible for submitting my Mothers taxes who cannot do them herself?15:43 Homeby516:22 Raspberry-503
0cIs Solgaard carryon closet good?15:40 gt4715b 
0tNew "Bogleheads on Investing podcast" Christine Benz discusses taxes, SECURE 2.0 and safe withdrawal rates in retirement15:33 Rick Ferri 
0hPortfolio Check Up - 2 Years Married Couple15:30 vangaal 
0cUse an electronic de-scaler with a water softener?15:25 LPSpecial 
10pCan I afford to sell my home after 2 years?15:01 Bob Sacamano16:53 Apathizer
0hPortfolio advice - any pre-retirement suggestions from a tax perspective?15:00 Exillon 
0hSeeking portfolio advice for new retiree14:59 Illinoiscoco 
4pHSA contribution for previous year and H&R Block14:54 mikewala16:42 mikewala
0pWhat should I do with cash value life insurance?14:54 CygX1 
0hRoth IRA Excess Contributions 2021 and 2022 (Tax Question)14:51 arw526 
12tDoes it make sense to have multipe bond funds of varying duration?14:39 Phaedrus16:21 Northern Flicke
8hAn Asset Allocation Decision14:27 Sgt.Pepper16:53 Triple digit go
1pIRS Pub 936: Mortgage Interest Limit14:20 pancake1915:29 HueyLD
33pBad Homebuying Experience. Need Advice14:11 PNWpilot15:54 biscuit5
5pHow is inflation applied to tax brackets?14:08 GeoMetry16:56 JayB
11pNon-qualified Annuity.13:54 BarbBrooklyn16:30 BarbBrooklyn
5hQuestion about RMDs from illiquid TIAA Traditional13:23 itsmeagain14:24 colejr
3fdo we need a popup, survey, web annoyance master thread?13:13 heartwood15:53 Kendall
0hRoll over 401k to 401k [ADP to Fidelity]13:05 vivekian123 
3pStep up basis for multiple generations13:03 Citifan15:22 obafgkm
1cBought house- locate path of sump pump drain12:05 OCDinvestor13:25 Coulter
2tTarget funds attractive right now?11:57 geo9914:41 geo99
15cBuilder demanding to increase price after contract signing11:33 nag00715:36 galawdawg
3tUnderstanding Mutual Fund Distributions11:20 pp0562913:47 livesoft
3hRoll solo 401K into SEP IRA?11:06 Shrinkguy13:29 Shrinkguy
8cWould you buy a certified pre owned courtesy car with 30k miles on it?11:00 relentless114:22 Afty
8pCan this be right? This can't be right. [non-deductible travel expenses]10:58 Bammerman13:46 aristotelian
12cworth spending 120K airline miles to save 5 hours on a trip?10:47 carloslando14:00 hunoraut
7pIncorrect SSA-109910:46 cadreamer201513:39 jebmke
5pRoth conversion taxation at local level in non-taxable state?10:25 aaaaaa11111112:54 FiveK
4tCan K1 income be offset by capital loss?10:25 kxl1912:53 JackoC
7cIs there a way to block cookie consent pop-ups10:08 gavinsiu13:45 stan1
1pTax amendment10:07 doon15:40 grabiner
0tPBS Film: When I'm 65 is now on YouTube09:48 Harmanic 
2cCabinet Installation09:45 SVariance110:35 SVariance1
39tIs It Too Late To Add International Stocks?09:38 Charles Joseph15:13 Triple digit go
11pEstimating Health Care Costs for Early Retirement Planning09:29 gck189116:12 TravelGeek
2pTurboTax basis (8606 line 14) after recharacterization and backdoor09:23 viii11:05 Pops1860
26p50% in SPIA09:22 Johm22112215:51 Wrench
2pIs my wash sale short-term or long-term?09:18 Kudu16:53 Kudu
0pFixing a flawed money flow: how to transfer 1099-k (credit card) income from one business to another?09:12 foolio97 
11hFather passing, IRA benefits08:58 Paullmas10:03 Paullmas
33hTransferring 1 share to bypass minimum requirement08:53 iCare16:09 Wiggums
8cCutting Installed Bathroom Tile08:49 harrad12:52 JoinToday
10tWhat defines a bubble?08:44 ChinchillaWhipl09:55 burritoLover
11hIs Mental Accounting Always Bad?08:41 RandomGuyOnInte15:31 strummer6969
6pEmergency Fund08:40 rockthisworld13:51 Pops1860
2cTell me why Google Voice is more secure than SMS text07:59 Fremdon Ferndoc08:20 beyou
8hGood fund? Vanguard Total Intl Stock (VTSNX)07:57 investment guy14:22 investment guy
8tSafe place for funds during construction?07:47 Bradford16:01 Bradford
8pNo form 709 (gift tax) on freetaxusa07:38 sir_throckmorto09:55 HueyLD
7tTIPS vs Bond Market Efficiency07:38 Charles Joseph15:01 grabiner
10tGiven Social Security, Do I Need TIPS?07:15 Charles Joseph14:34 Florida Orange
10h6 month T-bill question06:47 WarAdmiral15:18 Dead Man Walkin
4nMy portfolio: seeking advice06:20 chiant111313:13 chiant1113
6pHanover vs Erie insurance06:00 Kelly15:54 Supergrover
3cAn AirTag question05:52 MrWasabi6513:39 Doctor Rhythm
2hAny utility in diversifying bonds selection in taxable?05:04 cone77441308:54 dbr
2hAuto RMDs w / ETFs - Vanguard still can’t do?04:05 Parkinglotracer09:53 JazzTime
6hI need help with the amount to put into my 3 funds to try to keep a ratio01:01 passive10113:35 Outer Marker
15hTIAA Trad Guaranteed Rate Increase23:26 JS-Elcano14:05 aristotelian
12hTarget date vs 4 fund22:57 bdwb14:49 galawdawg
8cMold in my home- need a recomendation21:48 fmhealth13:22 fmhealth
17cProducts for getting caffeine quickly in the car21:22 teelainen15:40 tev9876
6pMedicare Lookback and HSA Contributions from employer21:20 Tdubs12:00 Tdubs
4p[Turbo Tax and] Roth contribution limit20:52 swylie08:55 swylie
60hFrom which accounts should my mom gift a large sum of money?20:39 VINNY17:04 White Coat Inve
1nMy Portfolio: Seeking Advice (Malaysia)20:35 SeanJeremiah11:00 jg12345
10tMethodology for buying VOO?20:10 Zen Index15:54 Northern Flicke
31cGoing to Look at 2016 Honda Odyssey Tomorrow - Your Advice20:05 ruanddu15:35 ruanddu
6pMaking estimated tax payments 1040-ES19:57 VINNY20:41 VINNY
23hTim Buckley's description of Tax Loss Harvesting (Totally different than I have done)19:38 GumSprings14:37 grabiner
6hWhat to do with inherited non-spousal 401k19:19 SilverLining13:33 Alan S.
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
5fQuestion about PM's on this forum17:14 investment guy10:17 Soon2BXProgramm
9cmail spam folder17:08 boater0719:25 JPH
22pAge 70+ Buy Car or Lease or Rent or Uber/Lyft?17:06 Carno21:33 Nowizard
1pJoint Savings Acct and Gift tax01/28 boater0717:05 HueyLD
72tcould chatgpt lead to a world where picking individual stocks outperforms index funds?01/28 Physician10116:54 skierincolorado
10tS&P500 giant bubble?01/28 ChinchillaWhipl18:27 LadyGeek
5hTrying to emulate VTSAX (Vanguard Total Stock US Funds)01/28 investment guy08:09 investment guy
5hSS Early Retirement Calculator01/28 Kiana17:43 Kiana
10cCar seat:Doona vs travel system01/28 tommy8516:15 drizzleray
46pBuy vs. Rent01/28 miami_renter15:32 Apathizer
7hInternational options in 401K plans01/28 PA_Boglehead13:13 ruralavalon
15hHow to determine personal contribution amount for Roth IRA?01/28 coreman7310:12 retiredjg
56pHoly moly my credit score dropped like a rock!!01/28 Lynx31065016:42 criticalmass
26pHow to do QCD with HR Block Deluxe??01/28 vtMaps03:03 vtMaps
8h401k contribution choice: w-2 or solo401k01/28 Lock11:30 Lock
6cBest grocery delivery services01/28 tc10122:14 Johm221122
28pCommingling annual gift tax exclusion question01/28 EnterprisingDud13:49 JackoC
26cone-week trip to Europe in July01/28 carloslando14:21 hunoraut
5pTax Deductibility of Stock Borrow Fees (Fairly Technical)01/28 1060WAddison09:55 1060WAddison
9cSecurity concerns using Thunderbird and IMAP?01/28 K7208:21 galawdawg
9pGlide into retirement or OMY?01/28 SchruteBucks11:12 Morgan22
15pRecommendation for credit card01/28 RunLong14:30 lakpr
7hMerrill Edge vs Vanguard Fund Options01/28 ATLInvestorGuy114:07 David Jay
12hRoth Conversions to Reduce RMD01/28 VillageDrive21:39 Navillus1968
21hWhat is largest T-Bill/ Note have you purchased01/28 iCare16:05 AnnetteLouisan
6pDid I make a mistake in conversion and/or reporting?01/28 tACKJAYE10:24 capran
11tHow do you choose which Lazy 3 is good for you?01/28 MrsRobinson196816:15 retiredjg
9pBusiness [credit] card for low expense side gig01/28 coalcracker17:10 Nohbdy
73hStruggling to understand the value of bond funds in my situation01/28 tallgaijin15:07 KlangFool
54pNailed It! (tax refund)01/28 dogagility12:30 SnowBog
12pCar Insurance - Negotiating Payout for Time Spent Dealing with Claim01/28 takingcharge12:57 8foot7
4hReturn Expectations01/28 Kaione13:09 GAAP
15pFidelity TBILL maturity - How long until funds are available?01/28 Gash07:42 AnnetteLouisan
18pErroneous 1099R01/28 eddot9816:03 jebmke
26hBig earner/big spender thoughts on FIRE?01/28 brnracct16:59 White Coat Inve
22cWhich Southwest USA Trip Should I do?01/28 SuperSaver07:37 Outer Marker
8hTaxable status for Vanguard cash funds (VUSXX VMSXX VYFXX VMFXX)01/28 mangoheadgolf16:52 GrowthSeeker
54c27 inch or 32 inch monitors01/28 Deighve03:30 cjking
6hPortfolio review request 10-15 years out from retirement with pension (without inflation adjustment) -- advice?01/28 er99912:57 renegade06
12tHelp me understand “commission free annuities”01/27 confuzzled17:03 Tdubs
6pPMI & Paydown Decision01/27 ActiveIndexer16:04 grabiner
34pYet another mortgage payoff thread01/27 blobking16:19 Outer Marker
77cJanuary Gas Bill - Wowza01/27 Beensabu11:58 LadyGeek
4pIRA Recharacterization after losses01/27 JeuneCracoucas18:06 JeuneCracoucas
1nVanguard Global Aggregate Bond (Hedged) rating01/27 tradez02:22 glorat
39tGold as diversifier01/27 konik14:24 Northern Flicke
14hReal Return Portfolio vs Bucket Strategy01/27 BigDGB16:54 BigDGB
7hsell taxable to fund tax-advantaged?01/27 shyplastic16:20 aristotelian
14tTaxable vs non-taxable investing: WWYD?01/27 Keim09:12 Mike Scott
6t"Do You Have A Humpty-Dumpty Portfolio"01/27 Taylor Larimore21:36 Charles Joseph
13hHelp me allocate MY Bonds, please!01/27 llmgwc18:30 placeholder
48pCo-owning a home after divorce01/27 an00j12:53 UpperNwGuy
58tTrying to make sense of the market01/27 OldSport09:39 GreenLawn
7hTax loss harvesting timing01/27 grateful7512:20 grabiner
32cDentist called 6 months later to get their discount back01/27 pedr0o10:16 8foot7
67hEarly retirement -- good to go?01/27 Morik12:44 Squirrel208
78pWhat to do in retirement01/27 liveinaz17:02 doobiedoo
23pForeign Tax Paid and VTIAX (Total International Stock Index)01/27 PhinanceMD14:45 neurosphere
51p2022 Tax Return vs. 2023 Tax Return01/27 bg520:18 InvestorHowie
58hBND Bears01/27 Olemiss54015:03 feh
61tIs bond duration-matching uncontested for retirement?01/27 Poe2213:24 GAAP
15pShould I accept this Met Life Long-Term Care Inflation Offer?01/27 biscuits13:00 biscuits
40hBoglehead's version of play money?01/27 blimp08:32 bltn
18hLifestrategy Growth in Taxable Brokerage01/26 zen_invest08:17 azphx1972
19hWhich portfolio is right for us?01/26 ZOOM67807:39 GMCZ71
18tMuni:taxable MMF spread volatility01/26 White Coat Inve13:14 anon_investor
85pHow to spend more money - request for help regarding an article01/26 Allan Roth12:13 JackoC
31hTransfer in kind from Edward Jones to ?????01/26 ZOOM67817:38 ZOOM678
41pPay down mortgage or contribute to retirement?01/26 Quentin__Tarant08:08 azphx1972
22pWhy Yubikey-based challenge-response authentication matters01/26 Northern Flicke20:16 jincopunk
39cTechnivorm Moccamaster KBTS coffee machine01/26 sunny_socal16:37 sunny_socal
3pAssuming the mortgage of a spouse who died01/26 iceman6814:15 iceman68
17hTreasury duration?01/26 Mayflower540506:02 1moreyr
2hIs vbtlx a good form of bond ladder01/26 rch202118:37 rch2021
8pOpening VG brokerage account under Trust01/26 S_Track16:07 Phaedrus
10cbay area solar roof and battery01/25 babystep23:27 HornedToad
20hLooking for Guidance: Overview of Investments01/25 SirKillz15:10 retiredjg
22cOpinions on Limes01/25 SVariance119:35 BogleFan510
25hNeed investing advice for elderly mother01/25 InvestingDoofus03:09 water2357
5pDoes dependent need to file tax return01/25 verbose18:19 verbose
8pWyoming State insurance instead of Medicare Plan B01/25 JediMisty19:27 Good Listener
79tWhich do you think is the better investment: real estate or the stock market?01/25 mikejuss16:24 JackoC
204tInternational Stocks return will be superior to US01/25 erishera10:54 Nathan Drake
286tThe “Bucket Strategy” is ineffective (ERN)01/25 TinyHouse14:10 mhop
27pTax question: can I write off “travel expenses” from work to home - state and city01/24 catchup23:44 catchup
9hTransfer-in-Kind Individual->Joint Fully Online - Vanguard? Fidelity?01/24 need403bhelp19:14 need403bhelp
16hPortfolio Watch01/24 JD10120:57 JD101
40cWhat are your favorite vacation destinations/spots in the U.S.?01/24 Looking4Answers09:12 ScubaHogg
19h2-Fund portfolio inside a TSP01/24 dave.m18:18 jpelder
92tCan you express your investing philosophy as a limerick?01/23 buckeye798314:18 Eagle33
194hPaying for [ivy league school]01/23 iCare22:01 Vulcan
9p0% COLA Annuity vs COLA Annuity vs Managed Payout01/23 PSM18:29 PSM
16n[UK/NL/Germany] Accumulating or Distributing ETFs01/23 vhk5615:52 jjmaddison
121cLinux Desktop today how is it as a daily driver?01/23 gavinsiu14:18 tibbitts
77hHow to re-enter market in 202301/21 mruizesparza19:56 White Coat Inve
27pInflation Reduction Act - Home Improvement Rebates & Tax Credits01/21 Calvert17:56 UpstateNY86
37cWater and Sewer Line Insurance01/21 aburntoutcase12:03 Tubes
78pChase $900 Checking + Savings Bonus01/21 Gash13:17 anon_investor
21tA Variant on Target Date Funds that uses Deferred Life Annuities01/21 Horton15:20 Horton
76pWhat’s Up with Medicare Advantage Ads?01/20 bobcat214:38 Lynette
96pAge and probability of needing long term care?01/20 Fremdon Ferndoc15:01 Lee_WSP
15h35k inheritance01/18 Wolveraider10:04 Harmanic
85cGoogle Voice?01/18 LaurenRose20:11 WannaRetire
47cHow to Find a (New) Medical Specialist01/18 fishmonger15:18 LuckBeALady
162cWhy very high speed internet?01/18 exodusing14:12 sandan
32hPortfolio Review01/18 JD10116:50 JD101
32hRoll into new 401k OR Roll into IRA and Lose Backdoor Roth?01/16 catchinup11:05 fyre4ce
194pWhat’s Your 2023 Budget?01/16 TinyHouse16:12 CletusCaddy
103tNew tool for building a TIPS ladder01/07 kaesler17:30 Kevin M
4pFZDXX 7 day yield versus capital appreciation number?12/31 MrsRobinson196817:59 dbr
466cSoftwareGeek's Guide to Computer Security12/19 softwaregeek19:37 international00
7pBackdoor Roth Excess Contribution Return12/16 Sgt.Pepper02:23 Sgt.Pepper
14cRepairing & Polishing Quartz Countertops12/15 foghorn30006:40 foghorn300
38hFunding for a second home using a HELOC vs Reverse mortgage vs new mortgage vs IRA withdrawal.12/12 Homeby515:28 Homeby5
11t2022 Bogleheads Conference Videos12/09 ObliviousInvest18:13 AlwaysLearningM
90cKeepass password manager questions12/05 K7214:36 Northern Flicke
76hIs the worst of the bear market behind us?12/05 ebeb21:09 Firemenot
18hNewbie needs advice on managing windfall12/03 SilverLining19:22 SilverLining
72tFunded Ratio Offers a Glimmer of Hope in 202211/19 Horton15:01 Horton
148tTaxation of Treasury bills, notes and bonds11/15 Kevin M12:00 AAA
20pInvest vs Save vs Debts11/10 EducatedlyWingi19:04 Carno
47cDecomposed Granite suggestions11/04 jplee317:16 jplee3
28pSocial Security [and Death of Spouse]10/13 Sahara13:18 Agent86
255pAlly offers 1% cash bonus on new deposits - up to $500 bonus10/12 NewbieBogle00713:27 minesweep
16tSafest Type of "Non-Gate-able" Money Market Fund ?10/11 over4517:26 Lyrrad
50tAll the Personal-Finance Books are Wrong09/01 McQ19:35 Carno
591cPSA - LastPass breach!08/25 samsoes12:35 rebellovw
58cwashing machine replacemnt08/13 jpohio18:45 criticalmass
37hTarget date funds06/16 JD10115:27 retiredjg
210hVanguard Money Market Funds - Differences in Returns?05/08 water235703:16 water2357
6nEDV vs Individual STRIPS [Vanguard Extended Duration Treasury ETF]05/02 nadavaf23:22 nadavaf
32cTurbo Tax and Old Macs05/02 mcblum14:23 grok87
5pForeign tax credit carryback03/23 Klewles15:53 bsteiner
274cAmazon Prime membership increase to $13902/03 runner2619:41 magazinewriter
43cSwitching to 1Password from LastPass02/03 Hoosier CPA16:19 Copper John
123pOne More Year Club [Delaying Retirement]2022 Zardoz10:30 Jeepergeo
42cTwo years of owning a Peloton:by the numbers2022 loghound14:05 cmr79
377p[Using PayPal to pay bills and earn 5% on credit cards]2021 jeffyscott16:49 Pu239
103tUnder what conditions is a 50/50 portfolio worse than any other?2021 Phyneas07:46 Logan Roy
2172tModified versions of HFEA with ITT and Futures / Lifecycle Investing with Modern Portfolio Theory2021 skierincolorado07:04 comeinvest
144hAfter Tax Contributions / Mega Backdoor Roth - Etrade Solo 401k2021 aray16:50 fyre4ce
12tImmediateAnnuities.com2021 jackoak16:43 rgs
32tTax costs for US and international value ETFs2021 grabiner21:51 grabiner
913cLet's play chess2021 LadyGeek16:26 Marseille07
285tTotal portfolio allocation and withdrawal (TPAW)2020 Ben Mathew15:01 Ben Mathew
29tVanguard in ??? Monroe, Wisconsin, pop. 11,000, Swiss cheese capital of the world?2020 nisiprius16:58 daleddm
3606cWhat are you listening to now2020 Artful Dodger11:07 heartwood
25pWhere to Find Tax Basis in Vanguard for Past DAF Donations?2019 machinepremium214:01 Artsdoctor
1928tFirst 20% of bonds in long-term Treasuries2019 vineviz12:14 SnowBog
5489tSmall Cap Value heads Rejoice !!!2019 hdas15:55 gtwhitegold
167tHere's my portfolio2019 vineviz14:04 Outer Marker
1583tLifecycle Investing - Leveraging when young2019 Steve Reading15:06 skierincolorado
3579pFidelity as a one stop shop2018 BogleMelon12:12 Lyrrad
12tHow do I feed the 30-day SEC yield into a spreadsheet?2018 seugene02:45 cacophony
71tThe Worst U.S. Portfolio Disasters — A Historical Comparison2018 SimpleGift12:38 PotashDoggerd
2587cWhat frugal thing did you do today?2017 Nectarineman16:49 AnnetteLouisan
4833tThe Final, Definitive Thread on Brokerage Transfer Bonuses2016 Earl Lemongrab09:18 spammagnet
4589c[What TV Show Have You Recently Watched?]2016 dbCooperAir14:33 Mishigami
4318pBank of America/Merrill Edge - Preferred Rewards2014 navyitaly15:39 CrisisAverted
6456cWhat Book Are You Currently Reading? Part VI2014 Alex Frakt10:19 Barkingsparrow
9320cWhat Movie Have You Recently Watched?2014 abuss36814:20 wm631
3637pShare your net worth progression2014 techcrium08:29 BizarroJerry
161l[favorite] Boglehead quotes2012 grabiner21:37 Rowan Oak
1536pRetiree Portfolio Model2012 BigFoot4815:58 Raspberry-503
610tA time to EVALUATE your jitters2011 nisiprius16:47 rgs
589lSouth Florida Local Chapter2010 niteowls22:16 Miriam2

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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
f = Forum Issues and Administration

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