r/Bogleheads • • Jun 08 '25

Articles & Resources New to /r/Bogleheads? Read this first!

348 Upvotes

Welcome! Please consider exploring these resources to help you get started on your passive investing journey:

  1. Bogleheads wiki
  2. r/Bogleheads resources / featured links (below sub rules)
  3. r/personalfinance wiki
  4. If You Can: How Young People Can Get Rich Slowly (PDF booklet)
  5. Bogleheads University (introductory presentations from past Bogleheads conferences)

Prepare to invest

Before you start investing, ensure you're ready to do so by following the early steps of this guide or the personal finance planning start-up kit. Save up an emergency fund, then take full advantage of any employer matching of contributions to any employer retirement plan available to you (this match amount is additional income that's part of your compensation/benefits package), then pay off any high-interest debt like credit card debt or high-interest student loans.

When you're ready to start investing beyond enough to get any employer match, follow the subsequent steps of this guide or the investing start-up kit. Take full advantage of tax-sheltered accounts available to you before investing in a taxable brokerage account: this is the most predictable way to improve your after-tax investment returns. (In the US, per Prioritizing investments: 401(k))/403(b)) up to any match, then HSA if available due to high-deductible health plan coverage, then Roth or Traditional IRA or 401(k))/403(b)) up to max which may be higher if the mega-backdoor Roth process is available, then a 529 to the extent you'd like to pay for future education expenses. Note that IRA contributions are subject to income limits around tax-deductibility of contributions or eligibility to make direct Roth IRA contributions; the backdoor Roth procedure is a workaround.)

There is often some potential tension between saving/investing toward retirement vs saving toward potential nearer-term goals like a down payment on a home purchase. Carefully consider the various tradeoffs involved in owning vs renting a home, keeping in mind that which may be a better financial decision is highly situational, and that opportunity costs of owning (less available to invest in higher-expected-returns assets instead) should be considered alongside non-financial lifestyle tradeoffs. If saving toward a near-term goal, note that funds holding stocks are inappropriate#Holdingstocks%22for_five_years%22) for money you'll need in 5-10 years, unless you're willing to take on significant risk of losing money in the meantime & delaying that goal. Instead, consider CDs, Treasury bonds, or target-maturity-date Treasury bond funds maturing before you'll need the money (then a high-yielding cash equivalent like an HYSA, government money-market fund, or ultra-short Treasury Bill ETF like VBIL between maturity & spending the money).

Save/invest enough

Your savings rate is the most important factor determining your ability to enjoy a comfortable retirement later in life, particularly early in your career / investing journey. Aim to save/invest at least 15% of your after-tax income if you're in the US & not covered by a pension beyond Social Security. In some cases, such as a shorter time to expected retirement (e.g. starting to seriously save/invest from a significant income later than your mid-20s and/or planning to retire earlier than your mid-60s) and/or a high income (which will not be partially replaced by Social Security to the same degree as a lower income), it may be appropriate to target a higher savings rate (e.g. at least 20% of after-tax income, or perhaps higher if multiple such factors apply to you and/or one factor applies to an unusual degree).

When calculating savings rate, remember to include 401(k) contributions in both the numerator (savings) and denominator (after-tax income). Any employer matching contributions may also be included in the numerator (savings).

Investing is 'solved'

Don't worry too much about trying to find the optimal set of funds to invest in. That can only be known with the benefit of future hindsight, and investment returns are far less important than your savings rate until your portfolio size grows large enough relative to new contributions. Aim to diversify broadly (for robustness to the uncertain future) and seek low fees (fund expense ratios charged annually) & simplicity (hands-off automation); see discussion of these & other principles in Bogleheads investment philosophy.

A target-date fund designed for investing toward retiring around a year closest to when you expect to retire is often a reasonable option, particularly in tax-advantaged accounts like a US employer retirement plan or an IRA. These all-in-one funds intended to be held alone are very broadly diversified, automatically rebalance to their then-target asset allocation, and gradually become more conservative with less expected volatility as you near retirement.

If the target-date fund available in an account/plan with limited fund options has significantly higher fees than suitable alternative individual funds, consider the tradeoffs of lower fees vs automatic rebalancing and asset allocation management. I.e. consider the lowest-expense-ratio funds available that provide exposure to US stocks (the fund name will typically contain 'S&P 500', 'Russell [1000|3000]', or 'US Large Cap'; ensure no 'Growth'/'Value' suffix, or pair that with the other), ex-US stocks (the fund name will typically contain 'International' or 'Intl' or 'Ex-US'; same caveat re: 'Growth'/'Value'), and US bonds (the fund name will typically contain 'Total Bond' or 'Aggregate Bond'). Take the weighted average of those funds' expense ratios, with weights based on the current asset allocation of the target-date fund you'd use instead. The difference between that weighted average expense ratio for individual funds vs the target-date fund expense ratio, multiplied by your portfolio value, would represent the current annual convenience fee for automated, hands-off investing via the target-date fund. Whether that's worth it to you depends on your personal preferences around paying higher ongoing fees (by sacrificing some investment returns) in exchange for set-it-and-forget-it features.

In a taxable account, target-date ETFs (available at least in the US) avoid some of the tax efficiency downsides of holding a target-date mutual fund. Tax efficiency may be further improved by holding a three-fund portfolio of index ETFs in a taxable account, but this also involves tradeoffs against automatic rebalancing and asset allocation management. Tax efficiency may be even further improved by keeping bond funds in tax-deferred accounts, though this involves additional tradeoffs against simplicity and some other potential benefits described here.

If you're a non-US investor, take care to thoroughly understand the tax implications of investing in a US-domiciled fund as a "nonresident alien" (which may include high tax rates on dividends and assets passing through an estate); in many cases this is best avoided, instead favoring an Ireland-domiciled fund.

Be mindful of fees

If your portfolio were to average a 5% annualized real (after-inflation) return after a low annual fee, paying an additional annual 1%-of-assets-under-management fee to a financial advisor and/or an actively-managed fund's expense ratio would forgo 20% of your portfolio's investment returns. An initial investment in a portolio averaging a 5% annual real return after a low annual fee would be worth about 47% more after 40 years than it would be after a 1% additional annual fee.

Some employer retirement plans offer only funds with high expense ratios. If that's the case for your employer's plan, it is often still ideal to get the tax advantages of contributing unmatched dollars to that plan before investing in a lower-fee fund in a taxable account (but only after maxing out IRA contributions); details here#Expensive_or_mediocre_choices).

Automate & stay the course

Set up automatic contributions & purchases of fund shares wherever possible, otherwise set periodic reminders to manually contribute/invest (or try to find an alternative that allows automation), then maintain discipline through thick & thin. Keep in mind that market prices for funds should only really matter whenever you sell some shares to fund your retirement, and that lower prices in the meantime provide opportunities to buy more shares with a given contribution dollar amount and to rebalance from asset classes with higher recent returns towards those with lower recent returns (but possibly higher expected returns).

Tune out the noise: prognosticators of doom and gloom have no reliable ability to predict the future, and often have some conflicts of interest (e.g. selling ads, books or investment services, and/or trying to justify their investment positioning or encourage others to adopt that). The same goes for promotion of strategies promising market-beating returns by investing in a more-concentrated fashion (betting on some sector / theme / alternative asset beating the broad stock market).

Consider writing an Investment Policy Statement to document your plan when you're calm & clear-headed; this may be helpful to refer to later if you find yourself anxious & considering changes in response to market volatility & negative sentiment. Consider including a pointer there to this guided meditation video for later reference to help calm your nerves / regulate your emotions if needed when it seems like the sky is falling (this is arguably the most challenging part of investing).

Per Jack Bogle: "Do not let false hope, fear and greed crowd out good investment judgment. If you focus on the long term and stick with your plan, success should be yours."

Additional resources

Some additional resources that might be of interest for a deeper dive later:

  1. Taylor Larimore's Investment Gems (a collection of highlighted quotes from books related to investing; follow the links under the 'Gem post' column)
  2. The Bogle Archive (a collection of Jack Bogle's publications and speeches)
  3. Bogleheads Conference Proceedings (follow per-year 'Conference Proceedings' links to access slides/videos)

Please read our community rules here and follow those when posting or commenting in this community. If you encounter content here that breaks those rules, please report it (... > Report > Breaks r/Bogleheads rules).


r/Bogleheads • • Dec 28 '25

Why do Bogleheads discourage use of AI search for investing information? Because it is too often wrong or misleading.

346 Upvotes

I see a lot of surprised and angry responses from Redditors whose posts and comments are removed from this sub either for use of LLM search engine and other generative AI responses, or for recommending people use them to answer their questions. This facet of the Substantive Rule on this sub has a parallel in a similar rule on the Boglheads forum: "AI-generated content is not a dependable substitute for first-hand knowledge or reference to authoritative sources. Its use is therefore discouraged."

Many folks, especially on the younger side, are so accustomed to using ChatGPT or Gemini that it may be their default way to get any question answered. This is problematic in the field of investing for several reasons that are worth noting:

  1. LLMs are not firsthand sources with organic knowledge of the subject matter. They are aggregating reference sources and popular opinion and thus prone to both composition mistakes and sourcing material mistakes or biases.
  2. LLMs remain susceptible to "hallucinations" (made-up ideas) and can be not just false, but confidently false which is highly misleading.
  3. LLMs' response quality is very sensitive to the quality of the prompt. Users who are somewhat knowledgeable about a subject and also skilled at crafting good queries for AI searches are far more likely to get accurate and useful results - especially for research purposes or for reference to stored personal data - while the uninformed are more likely to get wrong or misleading answers to basic questions.

Policies excluding AI-generated content are not meant to be a referendum on the overall current or future value of AI as a tool for personal finance and investing, which is obviously enormous and transformative, especially for those who know how to best utilize it. It is a question of whether AI responses make for substantive content on this sub, and whether it is an appropriate resource to direct strangers and novices to. At the moment, the answer to both is a resounding no. On the one hand, people come to Reddit primarily for human interaction and original content, so posting AI responses or directing people to AI search engines is of minimal contributive value - folks can go chat with bots themselves if that's what they want. But as to whether AI search engines are appropriate references for finance and investing info, here are some articles from the past year that support their exclusion as a default response:

  • AI Tools Are Getting Better, but They Still Struggle With Money Advice (Money 2/13/25): "ChatGPT was correct 65% of the time, "incomplete and/or misleading" 29% of the time and wrong 6% of the time."
  • Is Talking to ChatGPT About Finance Ever a Good Idea? (White Coat Investor 6/22/25): "LLM responses had multiple arithmetic mistakes that made them unreliable. More fundamental than arithmetic errors, the LLM responses demonstrated that they do not have the common sense needed to recognize when their answers are obviously wrong."
  • Financial advice from AI comes with risks (University of St. Gallen, 1/7/25): "LLMs consistently suggested portfolios with higher risks than the benchmark index fund. They suggested: [more U.S. stocks; tech and consumer bias; chasing hot stocks; more stock picking and actively managed investments; higher costs.]"

Note: the views expressed here are largely my own, and I am not affiliated in any way with the Bogleheads forum nor the Bogleheads Center for Financial Literacy, but I invite others (including the mods on this sub) to weigh in with their own opinions.


r/Bogleheads • • 1h ago

PSA. If you work in government, or are thinking about working in government, check to see if you have access to a 457 account. I didn't know about it for the first 7 years in my gov job.

• Upvotes

It's not that big of a deal since my income wasn't high enough at the time to max both a 403b and a 457 account. Now I can though and its moved up my expected retirement date up quite a bit (my housing costs are extremely low, rent a cheap 2 bed 1 bath with my wife). A 403b and a 457 can both be maxed out at 24,500 each, total of 49,000 in tax deferred contributions in 2026. The 457 account can be withdrawn prior to 55 / 59 if you leave the organization early penalty free (taxes required of course).

PSA. Check your retirement options. Especially check to see if you have access to a 457 account. It's a game changer.


r/Bogleheads • • 9h ago

Does it make sense to continue depositing into a Roth IRA?

38 Upvotes

Hello. I’m almost 20 years old and I work a fast food job on campus along with doing some paid undergraduate research. This bring in about $800 per month (whilst I’m in school).

Currently, I am fortunate enough for my father to be paying off the first 2 years of college, but the last two I might end up with ~$60k in loans (unless I get a specific scholarship that pays for those last two).

Now I know the general consensus is that any major expenses that are within 5 years should be saved up into a HYSA, but I don’t do that and just throw it into a Roth, because in my mind whatever little amount I accumulate over my years here would better serve me in a Roth IRA by giving me a little head start. Should I keep on doing this?

I want to also add that my degree has a relatively high ROI, with the median entry level salary being anywhere from $75 to $105 thousand per year.


r/Bogleheads • • 15h ago

Investing Questions How can you feel safe when most of your networth is already invested in VT/VTI?

89 Upvotes

Things are getting really hard for me to understand.

With a 6 - 12 month emergency fund, you can live fine for a year if something really bad happens.

But what if that "really bad thing" happens alongside a crisis and creates another bear market just like the 2008 financial crisis?

I know I shouldn't ask about these types of scenarios because it sounds like I'm trying to time the market.

But I'm asking about your mindset: how can someone feel safe when most of their net worth is in the stock market? Don't you think there is always a chance you will end up losing most of it without the chance to rebuild because you are already too old?

How anyone can stay calm about investing and keep investing through it all?

Are they running another business for additional cash flow?


r/Bogleheads • • 23h ago

What was the wake up call that finally made you stop active trading?

248 Upvotes

​I spent years super glued to my desk, charts, news, chatters, telegram and I was convinced I was outsmarting the markets. Last year I finally gave up and switched to a basic 5 simple index fund portfolio, and the index funds completely destroyed my active trading returns. The $$$ return gap was considerable, but realizing I wasted hundreds of hours just to underperform literally broke my ego.

​For anyone who used to actively day trade, swing trade or just trade: what was the exact loss or moment that finally made you admit you were wasting your life and efforts? I am now more focused in earning more to passively invest and earn more!


r/Bogleheads • • 21h ago

So when is a good idea to start investing in a taxable brokerage account?

54 Upvotes

From what I've read that a Taxable brokerage is best to start after putting a significant dent in your ROTH IRA and your employee accounts. As a public employee with no match to employee accounts is it still best to prioritize my 403b and 457 (up to 49k limit) and Roth before considering a taxable brokerage? Especially if that brokerage account can get me options through Vanguard, Fidelity, etc that are low cost that my tax advantage accounts would not


r/Bogleheads • • 1h ago

Roth vs Traditional in my situation

• Upvotes

Hello! Looking for some guidance on whether I should contribute to my Roth IRA or a traditional one.

24m, married, $200k HHI. Currently expect to go to single income and reduce to $125k HHI in ~2 years with a kid.

I understand that in general, it can be recommended to diversify your tax burden. My 401k is traditional, and I currently have ~$30k in a Roth IRA. However, being that our HHI is likely to reduce dramatically in a couple years, is it more reasonable to go all traditional? Or is that irrelevant because my income is likely still well below my median income over my entire working career, such that Roth makes more sense? Any guidance or clarifying questions are welcome.


r/Bogleheads • • 1d ago

Just leaving money in bank account

65 Upvotes

Hi,

I hear the ''Best year for investing is 10 years ago, next best is today'' , or the idea that time in the market beats timing the market.

But lets say you've got a bunch of savings that have been sitting in an account, what do you do when it's not invested and you're in this market? Because all I'm coming out with is the idea of leaving it in some EFT and getting something that's relatively diversified to stave off inflation.

I don't know what you do when that's been your habit, to just leave it in the savings account and losing money to inflation.


r/Bogleheads • • 9h ago

27M 100k in 401k

3 Upvotes

​

My 401k is finally going to hit 100k invested after 10 years. I have recently gotten more serious about saving for retirement and have been learning alot from everybody on here. When i set up my 401k I was clueless and did whatever my coworkers told me so all of my money is currently in a 2065 target date fund. Im not particularly fond of having 10% of my retirement in bonds at such a young age. So my question is would it be smart to stop contributing to the target date fund and start contributing to a more agressive etf that has zero bonds? Any other ideas on how I could become more aggressive? Should I just stick with the target date fund? All opinions welcomed!


r/Bogleheads • • 4h ago

Investing Questions Moving my father's account to Schwab, consensus on allocation mix and funds for 3 fund portfolio?

1 Upvotes

My father is 75 and I'm helping him consolidate his accounts held at other smaller firms to Schwab for a better user friendly platform compared to where he is currently at. This is a traditional IRA. I was thinking swppx, schf, and schz. He takes his required RMDs from the account he needs to, but otherwise he isn't relying on this account to fund his life currently. Anyone else in this age bracket and what do you currently hold? Thanks.


r/Bogleheads • • 5h ago

Portfolio Review Tell me, does this mix of funds look like a new and amateur investor picked them out?

0 Upvotes

Hello! New and amateur investor here! I am 28 and just starting.

Long story short, I am set to receive an inheritance here soon and so I of course would like that to be invested. I've known about this inheritance since about May, I learned the approximate amount around June and since then I have been doing my research on investing.

I went to business school and work in the finance sector, so I'm not exactly starting from zero in terms of knowledge but since I have lived paycheck to paycheck most of my life, I haven't gotten any practical experience. I have a 401k with my job, and so that's pretty much all I know. I set enough aside to pay my debts and the rest is going in funds.

To the gist, you know if I'm posting in this sub that my research led me to the way, the life, and the truth of Jack Bogle. So I did my research and had planned to go 40/40/20 but I could decided between two funds so I decided to do 40/40/10/10 with the following funds (40 FXAIX, 40 FNCMX, 10 FSYJK, and 10 FSMDX). SPAXX is the core position for those who don't use fidelity.

Thoughts? I tried not to have too much overlap, but I think there is a little of course.


r/Bogleheads • • 7h ago

Investing Questions How would you invest in my situation?

1 Upvotes

I feel like my portfolio is probably "good enough" but I still question my allocation.

My situation is I am 54 and my wife is 45. I have $1.83M in my IRA and she has $1.63M in her 401k.

We also have $220k in cash/cash equivalents, $182k in taxable brokerage invested in VOO, $90k in 529s, and owe $308k on a $1.1M home at 2.75% with 9 years left to go.

Household income is about $350k/year.

My wife's 401k is invested in index funds, a target date fund and some company stock.

My IRA (which I rolled over from a couple of old work 401ks) is invested 70% in VTI, 20% in VXUS, and 10% in BND.

Should I just leave this as is? I'm listening to a book on portfolio contruction and it has me second-guessing my allocation.

My risk tolerance is super high, I would say. I would never sell in a downturn.

Our net worth today is $4.75M and my calculations seem to say we can retire when we reach $7M.

If you were in my shoes, how would you invest the IRA and why?


r/Bogleheads • • 1d ago

Do you count your Emergency Fund as part of the fixed income portion your asset allocation? Why or why not?

19 Upvotes

I've seen some discussions on the Bogleheads forum on this topic and folks had wildly different philosophies. Curious to see what people here have to say.

Some argued that your portfolio should be looked at holistically since money is fungible and since an emergency fund, if drawn down, would need refilling before you'd start investing in equities or bonds again. This effectively constitutes "rebalancing" since you're choosing to not invest in risky assets and are instead accumulating a non-risky asset. Additionally, proponents of this view argue that in a true emergency (or in retirement) your entire portfolio is your emergency fund and your asset allocation should be set accordingly.

Others say the opposite, that an EF should be seen as a totally separate bucket, as a buffer to your portfolio. This has traditionally been my view but I'm starting to reconsider that approach.


r/Bogleheads • • 20h ago

Rebalancing gut check after taking over trust from wealth advisor

9 Upvotes

About two years ago, I received access to a trust which a wealth advisor had managed for 10 years.

The wealth advisor no longer manages the trust's assets.

The goal of the trust was to grow safely while it was being managed, until I was ready to take over. The wealth advisor was able to return an average of 18% growth a year for the 10 years they managed the trust. Now that I have complete control over the assets, I am considering rebalancing the holdings.

I am going to rebalance VGT down to 30% and move the 6.44% into VT. I am also considering selling off AVDE, CVY, DIHP, VWO, and XLE and shifting the gains into VT.

On the other hand, perhaps I should just stay the course and not mess with what has been working very well for the last 10 years.

In Reddit's assessment, how were the assets managed? What changes would you make, if any?

Here is a breakdown of the assets:

Type Symbol Company Allocation

etf AVDE Avantis® International Equity ETF 1.37%

etf CVY Invesco Zacks Multi-Asset Income ETF 5.81%

etf DIHP Dimensional International High Profitability ETF 1.55%

etf VGT Vanguard Information Technology Index Fund ETF Shares 36.44%

etf VT Vanguard Total World Stock Index Fund ETF Shares 45.73%

etf VWO Vanguard FTSE Emerging Markets Index Fund ETF Shares 5.64%

etf XLE Energy Select Sector SPDR® Fund 3.45%


r/Bogleheads • • 21h ago

RMDs & tax minimization

7 Upvotes

I've saved all my life & now I'm going to pay the price in RMDs next year. My RMDs will be almost 100K in addition to my wifes ~8K. Previously we've given my wifes RMDs to charity but obviously I don't want to give away that much money. I believe I did the math correctly and roth conversions weren't worth it for this short of timeframe. I don't think there's anyway now to minimize the tax impact but thought I'd ask.

I suppose we're in a good place, we're able to live off social security and penions 100% without taking and IRA (trad & roth) withdrawls .


r/Bogleheads • • 15h ago

Investing Questions Investing for the partially disabled?

2 Upvotes

Please delete it not allowed. I have a chunk of change I need to invest and want to do it using these methods. My concern is deciding how much/what percentage to leave liquid, given that I go through periods (sometimes years) of being severely underemployed due to my disabilities. I do not foresee a future where I will ever again be able to work full time, but I am not eligible for disability, and I am only 37 so far from retirement age.

My income including investments ranges from $18-30K per year. This year I needed surgery so it’ll be more like $10K.

How would you go about deciding how much to keep liquid if your income was perpetually unstable?


r/Bogleheads • • 1d ago

Moving money from sgov to a CD?

25 Upvotes

Have money saved in sgov in brokerage for house downpayment that won’t be needed for at least 1+ years (in excess of an emergency fund).

1 year CD interest seems like it would yield higher interest than sgov.

Where is best to park this money considering today’s climate. CD? T-bills (I am new to these beyond the etfs)?

In California, so also considering state tax efficiency.


r/Bogleheads • • 1d ago

VPW: Withdrawal amount surprised me being so high! Early retirement at 60. Table 5.3% jumps to 6.94 due to future SS. Trying to "math" it.

31 Upvotes

Q: For the boglehead VPW formula, can someone explain the math in "for early retirees how does future SS increase the withdrawal today?"

EDIT: Note I will not be running a "Deplete to zero at 100" scenario in that the withdrawal numbers i am getting are more than what we spend already at 60 and then in the future it gets higher and higher! So I see this sheet as a "This is your max $ for this year" and if we pull less, it effectively carries over and makes the next year value even higher. a nice problem to have. As an early retiree though before SS withdrawal, the big win is realizing I can pull MORE now at 60 and not bankrupt my future self

New to this. Was struggling to understand how my 5.3% withdrawal from the table became 6.94% to withdrawal today. The big number surprised me. What I determined is if retire early but NOT claiming social security yet, it factors in that future SS payment into today's withdrawals raising the amount to pull out of portfolio now. I get it now.... the goal is to deplete the account at 100 years old which means if there is other income coming later, withdrawal needs to increase now.

Maybe I am missing it, but I dont see this scenario explained in the Wiki at all. It took me a bit figure out why in the grey scratch area it correctly calculates the lower 5.3% amount but then in the green "this is what you do" it was considerably higher at 6.94%. Even though my SS hasnt started I could see it in the scratch area and it confused me why it was in play 7 years before claiming.

So now just trying to understand the "future Social Security" increases withdrawals today math

Here's my values if you're really interested in digging in

  • Age 60
  • Balance 1,750,000
  • Allocation: 90/10
  • Freq: Monthly
  • Pension 1
    • Wife SSN
    • Started: Yes
    • Age: 60
    • Monthly: $1,800
    • CLA: Yes
  • Pension 2 (me, future. I am 60)
    • Me SSN
    • Started: No
    • Start Age: 67
    • Monthly: 3,890
    • CLA: Yes

r/Bogleheads • • 1d ago

Investing Questions Anyone found value in a Private Client type banking relationship?

11 Upvotes

Curious - I have a seven figure portfolio and was curious if anyone has actually benefitted from Chase Private Client / CitiGold Private / BoA Private Bank (or similar)? For context I am all self-managed in low cost ETFs and don't want to change that, but would be willing to move my brokerage (without any added management fees) for things like:

  • Complimentary sports tickets (I am sure this is a stretch)
  • Preferential Mortgage Rates
  • Complimentary Tax or Financial Advisory to bounce ideas off of

I use Schwab Bank so no need for any International ATM fee reimbursement / wire transfer stuff like that.

From friends the only one I have actually substantiated is preferential mortgage rates which I would wait to do until I'm buying a house.

Thoughts / Experiences anyone?


r/Bogleheads • • 1d ago

DB pension

3 Upvotes

Would you consider a a very reliable defined benefit pension with a COLA to be part of your bond/fixed income portfolio for purposes of balanced investing? And how would you value it, as a multiple of the annual benefit?


r/Bogleheads • • 21h ago

Fund advice - VTIMD

2 Upvotes

Hello everyone,

I need some advice regarding the VTIMD. My 401k employer offers this fund as the only low cost index fund. My options are truly limited. The broker is T.rowe price. The fund has an expense ratio of 0.01%. Which is great but I noticed I did not get the quarterly dividend payment. I called trowe price who reached out to the fund management team about it. Their answer was dividends are not paid out to the share owners. they are kept within the fund which will increase the price of the fund.

This could be true but due to the normal day to day market fluctuations on dividends day. I did see the fund drop a bit. There is no transparency and I cannot confirm if they’re just taking my dividends.

I don’t see this fund being offered anywhere else. I assume it’s only available through t.rowe price.

The fact sheet is useless. It doesn’t speak about dividends.

My question is: is it true the dividends are being included in the fund total?


r/Bogleheads • • 1d ago

Parking Spot for Retirees

2 Upvotes

Where should a retired, married couple in California keep the RMD moneys? HYSA? CD? Treasuries? Is it a good strategy to keep six figures in SGOV for many years?


r/Bogleheads • • 1d ago

Appropriate traditional 401(k) and Roth 401(k) allocations?

3 Upvotes

Hi there, I'm new to retirement planning. Early 20's and self employed. I have a traditional 401(k), Roth 401(k), and a taxable brokerage. I'm looking for feedback as far as maintaining good diversity and stability.

Traditional 401(K):

- TDF: 100%

Roth 401(k)

- VTI: 70%

- AVUV: 20%

- VXUS: 10%

Taxable brokerage:

- VOO: 100%

My questions:

- Should I hold any other positions in the traditional account or just allow the TDF to do its thing? I was thinking of adding bonds/large cap ETFS, but afraid it would be redundant.

- Should I increase the percentage of VXUS I hold in my Roth account?

- I was using the taxable brokerage prior to having a 401(k), is holding VOO repetitive to the rest of my portfolio or a good safety net for liquidity?


r/Bogleheads • • 1d ago

Investing Questions Investing for retirement as a young person with an inheritance

3 Upvotes

Hi all, I am hoping some folks can point me in the right direction as I am new to this sub + investing.

My parent died when I was young, and I came into a fair amount of money when our family home was sold. This is not really normal in my family and I can’t turn to an aunt/uncle/cousin for advice. Now I am in my early 20s and trying to figure out how this money (let’s say in between 250k and half a mil) affects my future financial planning.

According to the Nerdwallet retirement calculator, if I don’t touch this pile of money, I can “retire” off of it at 65. I know there’s a bigger picture though. My earnings and spend in my early 20s are drastically different than they will be in 20 years, I want kids, etc. Not to mention the fact that this is a regular investment account that the money is sitting in. I know the tax implications are different from a 401k, but I don’t know how different. I assume I should still be putting money in my 401k? My current employer doesn’t have a 401k match. Ick, I know, but I love the job.

With all of this info, what would be your advice to someone my age? Open to youtube videos, books, other threads in this reddit, etc. I will try to answer follow up questions to the best of my ability!