Bogleheads forum

Recently, I was invited to look at a discussion on Bogleheads.

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:. Personal finance covers not only investing, but day-to-day finances, budgeting, insurance, taxes, estate planning, and retirement.

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.

It is often recommended for and by Bogleheads bogleheads forum by "the majesty of simplicity" John Bogle 's phrasebogleheads forum, 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.

Contents move to sidebar hide. There are many knowledgeable and friendly investors in this online community. They freely share their time and expertise with new posters who are looking for help, but they cannot give good advice without knowing something about you. Before posting a portfolio question, remember that investing starts with a plan. What are you saving for, when do you need the funds, and how much of a loss can you tolerate, among other things?

These rules are disclosed to clarify the various responsibilities of all community members here on Bogleheads. They shall be adhered to by everyone to ensure that our board runs smoothly and provides a fun and productive experience for all of our community members and visitors. Privacy Terms. Time: 0. Quick links. Board rules These rules are disclosed to clarify the various responsibilities of all community members here on Bogleheads. Introduction Welcome to the Bogleheads forum. Anyone can read and search the forums, but you must be a registered member to post. By posting on this forum, you agree to observe the following guidelines.

Bogleheads forum

In total there are users online :: 75 registered, 19 hidden and guests based on users active over the past 5 minutes Most users ever online was on Sun Aug 20, pm. Privacy Terms. Time: 0. Quick links. Personal Investments Have a question about your personal investments? No matter how simple or complex, you can ask it here. Personal Finance Not Investing Non-investing personal finance issues including insurance, credit, real estate, taxes, employment and legal issues such as trusts and wills. Non-US investors. Personal investments, personal finance, investing news and theory.

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If you would like to edit the wiki, you must first join the forum. But investing according to the Boglehead philosophy certainly does not require you to invest at Vanguard or use Vanguard products. Which tax exempt bonds for CA. Please create a post in the Non-US Investing forum. European Union countries. TIPS or not for a 5 year ladder? Hidden category: Pages not intended for non-US investors. By Karee Venema Published 12 February Can a company claw back a bonus if there is no contractual claw back provision? Leaving out important information often results in delays or longer exchanges. The newly minted bogleheads. Bogle Center for Financial Literacy, was launched on August 19, Our Canadian sister site, Financial Wisdom Forum , and its wiki, finiki, the Canadian financial wiki , has a similar focus with many like-minded members, and you might also find this site interesting. Dogu describes this approach and comments "With only these three funds Vanguard Total Stock Market Index fund, Vanguard Total International Stock Market Index fund, and the Vanguard Total Bond Market fund , investors can create a low cost, broadly diversified portfolio that is very easy to manage and rebalance Privacy Terms.

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

Archived from the original on June 5, Please create a post in the Non-US Investing forum. Trading inside of a Tax deferred account. The phrase is shorthand for a style of portfolio construction that emphasizes simplicity, and is related to lazy portfolios. Show each fund or holding as a percentage of the entire portfolio, not as a percentage of the account that holding is in. Trying to simulate a ladder with funds is clumsy. The initial podcast, an interview with John C. No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation. The term is intended to honor Vanguard founder and investor advocate John Bogle. Help with Medicare rules if still working at Vanguard funds in this category include the Target Retirement funds, the LifeStrategy funds; perhaps the actively-managed Wellington and Wellesley funds would qualify, too. After a few weeks of joint effort, the group presented the forum administrators with a proposal to create a Bogleheads. Donations to the Bogle Center are tax-deductible.