Bogleheads forum

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We help you make good financial decisions by tuning out the noise and focusing on just a handful of simple, core principles that have proved successful over time. Although they are simple, following them is not always easy. Regular visitors may want to look at our new articles. For US investors:. For non-US investors:.

Bogleheads forum

Contents move to sidebar hide. A three-fund portfolio is a portfolio which uses only basic asset classes — usually a domestic stock "total market" index fund , an international stock "total market" index fund and a bond "total market" index fund. It is often recommended for and by Bogleheads attracted by "the majesty of simplicity" John Bogle 's phrase , and for those who want finer control and better tax-efficiency than they would get in an all-in-one fund like a target retirement fund. There is no magic in the number three. The phrase is shorthand for a style of portfolio construction that emphasizes simplicity, and is related to lazy portfolios. A three-fund portfolio is based on the fundamental asset classes, stocks and bonds. It is assumed that cash is not counted within the investment portfolio, so it is not included. On the other hand, it is assumed that every investor should hold both domestic and international stocks. The task, then, is to take these three basic non-cash assets — domestic stocks, international stocks, and bonds — decide how much of each to hold your asset allocation. Choose where to hold each of these asset classes, and finally choose a mutual fund to use for each asset class. Even if you are going to use a single Target Retirement fund, you should not take the shortcut implied by the use of a retirement year in the name; you need to decide for yourself what percentage of your portfolio you want to invest in stocks, and choose the fund that matches it. Even if you are going to use a single LifeStrategy fund , you need to decide which of them to use, based on the percentage of stocks each you hold. This is a conservative rule, and leads to smaller percentages of stocks than Vanguard chooses for its Target Retirement series. The second decision is what percentage of your stock allocation should be U. This is a much less critical decision because U.

Maximum ACH transfer? But investing according to the Boglehead philosophy certainly does not require you bogleheads forum invest at Vanguard or use Vanguard products.

The term is intended to honor Vanguard founder and investor advocate John Bogle. 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.

Welcome to the Bogleheads Community! The Bogleheads are every-day citizens with an interest in investing and personal finance. The members not only discuss their own financial issues, but enthusiastically provide help to others. Bogle Center for Financial Literacy. Taken together, we're attempting to reach out and provide education, assistance and relevant information to investors of all experience levels in as many ways as possible. This year journey started in on the Morningstar. In February of , we decided to start our own commercial-free forum in order to control our own destiny. Since then, the growth of the forum and the Bogleheads Community has been phenomenal. New chapters are being added on a regular basis.

Bogleheads forum

Post by Fixmen » Wed Nov 15, pm. Post by tetractys » Wed Nov 15, pm. Post by Tamalak » Wed Nov 15, pm. Post by Michael Patrick » Wed Nov 15, pm.

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The focus on simplicity and safety is what attracted Maggie Oldham, a Nashville-based nurse, to her first Boglehead convention this fall. Capitals are good for emphasis, but are hard to read. In total there are users online :: 80 registered, 22 hidden and guests based on users active over the past 5 minutes Most users ever online was on Sun Aug 20, pm. Mark Zoril from PlanVision. More Read View source View history. Mobile number verification fails Consumer Cellular. An independent and noncommercial Bogleheads Forum was established on February 19, by an individual with username Phoenix. By Kim Clark. The blog was transferred to the bogleheads. The term is intended to honor Vanguard founder and investor advocate John Bogle. What fund to hold while waiting for MBR distribution. The newly minted bogleheads. This does not mean your questions must be complex or show extensive investment knowledge. The purpose was to increase participation in Treasury auctions and conform the auctions to market practice for when-issued trading. In Barclay's words, this index tracks the "investment grade, US dollar-denominated, fixed-rate taxable bond market.

Perhaps you should try investing like a Boglehead in index funds.

Both points are true. Finally, ask your investment questions. Through presentations, meals and afternoon treats of ice cream sandwiches, they reassured each other that low-cost, long-term passive investing would eventually pay off better than chasing hot tips or panic selling. Maximum ACH transfer? On the Forum, members discuss financial news and theory. Read View source View history. The initial podcast, an interview with John C. As of when this is being written, bond interest rates are near historic lows and there is a good deal of buzz to the effect that the "thirty-year bull market in bonds has ended" and that investing strategies that have worked for decades should be changed to reflect new realities. A question about qualified scholarships, W-4s, and "other income". By Kim Clark. The next day, most of that gain disappeared. If you wish, you may repeat this information for your spouse or civil partner.