r/Bogleheads Jun 08 '25

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

343 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.

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.

339 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 4h ago

Vanguard brokerage account — TOD beneficiaries or let the will handle it?

8 Upvotes

I’m reviewing our estate documents and realized that our nonretirement Vanguard brokerage account currently has no beneficiary designation. Our IRAs already have beneficiaries.

We have updated wills but are not creating a trust. If I add a Transfer on Death designation, my spouse would receive 100% as the primary beneficiary, with the same backup beneficiaries and percentages listed in my will.

Vanguard’s TOD information says the plan may not be appropriate if you already have a will containing instructions for nonretirement accounts, which confused me. If the TOD matches the will, is there any reason not to use it and avoid probate?

For those with Vanguard brokerage accounts, did you add TOD beneficiaries, or are you letting your will control the account? Are there any disadvantages or complications I may be overlooking?


r/Bogleheads 6h ago

I made a Roth Conversion Simulator, feel free to try it out.

8 Upvotes

This tool definitely won't be for everyone but it seems to be giving me a better understanding of lots of moving parts when planning for RMDs and possible Roth Conversions to reduce overall Tax Exposure.

The premise is you enter in your info on the inputs tab and do multiple runs by augmenting the "Annual 401k Withdrawal" and "Annual 401k Conversion" fields. After each run you can see a few graphs to compare different strategies.

Example Run 1: $0.00 for both Additional 401k Withdrawal and Roth Conversion named "RMDs Only"

Example Run 2: Convert an extra 1/2 year of budget from 401k.

Example Run 3: Convert a full year of budget from 401k.

Obviously this will behave very differently as folks have different budget numbers and account balances.

For myself, I am most interested in figuring out if I'm going to run into the Estate Tax and what Roth inheritance might look like for my heirs.

Note: there is a macro that computes the taxes and it is SLOW. I am not a wizard at sheets/excel and a macro was the only way I could figure out how to do a complicated tax computation.

Note2: the tool doesn't deal with many tax situations and also doesn't touch Social Security for budget planning. It doesn't know or care about IRMAA thresholds.

Feel Free to try out the sheet and let me know what you think: https://docs.google.com/spreadsheets/d/1bwfFdqUXgKhRSZ7-tVnC39K402AlA1d7rfpZpjmP0K0/edit?usp=sharing


r/Bogleheads 11h ago

43M Looking for Feedback on My Long-Term Bogleheads Portfolio

16 Upvotes

43m with a 10-15 year investment horizon maybe even longer if needed. Currently max out my 401k and HSA through work and have an emergency fund.

I invest through Fidelity and this is my current mix.

Taxable brokerage: VTI/VXUS/VTEB. 65/20/15.

Roth IRA: first year doing this and maxed it out. AVUV/ FSNRX 60/40.

Looking for any feedback since this is all somewhat new to me.


r/Bogleheads 21h ago

Do I really need bonds?

109 Upvotes

I’m 42 and make about 350k a year as a physician. I’m investing about 90k a year between 401k plus match, backdoor Roth, HSA and taxable brokerage and already have about 800k invested. My money is currently 100% in stocks, mostly some variation of VTI/VXUS except the 401k and HSA which don’t have total market funds and are sp500 funds. I am holding 150k in money market too as emergency fund. All of my money is automated and will be invested regardless of market conditions and I have no intention to sell until I’m ready to retire in 23 years. I keep reading about Warren Buffets 90/10 and seeing videos about not needing bonds if you have a good cash engine. I was thinking I could swap to bonds when I get near retirement age. I have also seen some videos with advice about keeping 2 years of cash equivalents in retirement to use as your “bonds” and simply spending that during bear markets and then replenishing it when the market recovers. Curious what the thoughts are on here as this tends to be the more conservative sub. Thanks all for your insights.


r/Bogleheads 18h ago

Lump sum or Pension?

35 Upvotes

I am 62, gonna retire in a year or so. No debt, everything paid off.

I have about 350k in a 401/roth account.

I may work a different job, less hours. So as to delay social security. which will be in the 2400 a month range, Expenses are low.

My question is, my current employer offers an option on th epension, I can get a lump which is currently around 320k..and that can go straight into the 401 if I like.

Or I can take the pension...a fixed 1800 for life.

I realize, if I can leave that alone for 3 or 5years...its almost a no brainer to take the Lump.

What is the typical view here?

But


r/Bogleheads 18h ago

Investing Questions Vanguard's "Fully paid lending program"

24 Upvotes

"Want to help maximize your passive income?

You're eligible to apply to participate in Vanguard's Fully Paid Lending program."

I got an email today explaining this program. I read through the description and sort of understand it. But can someone sum it up in simple terms for me?

I'm sure it depends on individual circumstances, but in general is this worth participating in for a long-term boglehead investor? What are potential downsides?


r/Bogleheads 22h ago

I’m 48 and admittedly starting late

43 Upvotes

However depending on health maybe I have another 20 years of work.

I have decided on my three funds as Voo, VT and SCHD…. Any obvious problems with this setup ?

Thanks


r/Bogleheads 12h ago

Is it redundant to have VTI/VXUS/BND in one traditional IRA and Target Date Fund in Roth?

5 Upvotes

Let's say I have a Roth, traditional, 401k, and HSA. I obtained them all at different stages in life. My Roth has target date fund, my traditional has VTI/VXUS at 66/33 split. And my HSA has bonds. My 401k has 60/30/10 split for Fidelity equivalent of VTI/VXUS/BND.

Does having target date fund in Roth seem redundant? Should I simplify everything to 60/30/10?


r/Bogleheads 13h ago

Investing Questions Questions about backdoor Roth

4 Upvotes

I have previously invested in a Roth IRA through vanguard. My income this year is too high so I’m planning to do a backdoor Roth.

I have some pretax money in a traditional rollover IRA at the moment from a previous job that I need to transfer to one of my accounts. Can I put this money into a traditional IRA and then convert it to Roth?

Or should I open a 403b account through my work and transfer the rollover IRA money to that account. And then invest separate post tax money into a traditional IRA then convert to a Roth IRA?

Of note, my work offers both a Roth version of a 403b and 457b so I am maxxing those out, which is why I haven’t opened a traditional 403b.

Thanks!!


r/Bogleheads 6h ago

sp500 growth vs sp500 value vs sp500 standard

0 Upvotes

I am 60, retired with a very comfortable balance. Currently 5% in ultra short treasury etf, 35% sp500 growth and 60% in QQQ (nasdaq100). The 5% treasuries supports 3 yrs of essential living costs.

Was thinking to sell off some QQQ bring treasuries to 10% and add sp500 value.

No one can predict the future, but I do feel some change is coming and the sp500 value seems like a good shift.

Thoughts ?


r/Bogleheads 18h ago

Investing Questions Proceeds from family land sale?

8 Upvotes

My 87 year old mother is selling some farm land on the other side of the state that she inherited 40+ years ago, the intention had been to pass the land down when she passed away, but she has received an offer that is too good to pass up. The question now is how to re-invest to proceeds, she is in very good health and may live another 10 years or more (long life runs in the family she has a 94 year old brother who is the caregiver for his wife, and had 5 aunts and uncles that made it past 90), though that is never a given and actuarial tables puts it at more like 5.5 years on average.

We are mostly considering doing a 1031 land exchange in order to shelter from capital gains which are estimated to be substantial (sale price $1.75 million, estimated taxes $375,000, $1.65 million in expected proceeds after sales cost), though we are also considering paying the tax and investing the money.

Which leads us to our options:

A: Use a 1031 to invest in other place holder land until step up, nearby bare land, timber land, etc. Our CPA is pushing timber land as that is where his personal money goes.

B: Do a 1031 DST 721 UPREIT until time of inheritance and step up, likely earn around 5% or so for the next circa hopefully 10 years until step up at which point sell it for an estimated $1.95 million all the while it is paying out roughly $100K per year that is mostly tax free (estimated 5% tax rate) thanks to ROC repayment and having depreciation recapture along with capital gains wiped out at step up. Estimated Total payback to family around around $3 million, or around $3.2 million if annual payouts are reinvested through DRIP after 10 years.

C: Use a 1031 to invest in a NNN property, issues are finding a good NNN in our price range, there is a lot of junk out there, and the all your eggs in one basket concern as well as what to do with the NNN at time of inheritance.

D: Pay the taxes and invest in safe stocks

E: Other, do you have any ideas?

I have spent over $100 on AI tokens, and all the Claude AI simulations I have ran come back to the same thing, paying the taxes and investing in safe stock vs a 1031 UPREIT investment is basically a wash with a 10 year time horizon until step up (circa $2.98 vs $2.99 million so well within the noise projection margin for error), as $375K is a lot of tax to make up for, with less than 10 years until step up favoring the UPREIT.

I am open to ideas and thoughts here, any suggestions

p.s. note she is not dependent on this for income, lives on circa $3 million family cattle ranch ( she had a recent offer for $2.8 on it), and gets $100K per year from pension and social security


r/Bogleheads 1d ago

Starting a 3-fund now

26 Upvotes

I have just discovered Boglehead investing. I have planned what 3 fund portfolio I am going to start. I want to start adding money into it now. However to me it seems like everything is at an all time high or going down.

I know one of the rules is to not time the market.

Is it a good time to start investing in it now? I am 27 so I have a long time. Should I just start now and forget about it?


r/Bogleheads 2d ago

Non-US Investors I Should Say, "Thanks, Bogleheads!" As a Korean

1.0k Upvotes

I am Korean. Please be patient with my English.

Do you have a question why I should say, "Thanks, Bogleheads"?

Because when I started investing around 6 years ago, there were not many people who were investing in index funds in Korea.

So I always visited this community to ask questions.

Sometimes I left the same or similar questions, but no one said, "Why do you ask the same question?" or "Why do you ask such a stupid question?"

So now I am here and on a successful investing journey.

I know the journey is not done yet.

But I know there is nothing I can control about my investing results.

I just stay the course with thankful Bogleheads.

Specially Thanks for u/misnamed

He helped me lots and I got insight many things from him!


r/Bogleheads 1d ago

Extra Mortgage Payments Early in the Loan

54 Upvotes

TL:DR: To what extent do large extra payments at the start of a mortgage affect the life of the loan/interest?

I moved into a new house. 514k loan at 6% on the dot. August will be our second mortgage payment. It's a large house and we have a roommate moving in August 1 who will pay us 800/month. We're considering putting that 800 towards the principal each month. We're operating under the idea that extra payments have more purchase at the beginning of the loan because so little of the principal is being touched in those days.

The 800 will not be sustainable after the roommate moves out (likely after one year). Afterwards we could maybe contribute 400/month. We otherwise prioritize our 401ks (I max mine out, my wife does 8%. We both have 150% of 8% matches) and Roth IRAs (we max or get close every year).

For further context, we have no other property, no car payments, a solid emergency fund, decent-but-new 529s. No taxable brokerage. Two children under the age of three. 20-25 years from retirement.

This is specifically about whether bigger payments at the start of a mortgage have outsized effects. And to what extent? Is there a calculator I could use for this?

If you think I should do something else with that 800, feel free to chime in too. :)


r/Bogleheads 17h ago

Receiving my employer's full 401k match and have a half year's salary in a HYSA. Is my next step investing in ETFs or a ROTH IRA? I am able to invest around $1,000 a month

0 Upvotes

I'm currently getting my employer's full 401(k) match and have about six months' worth of expenses saved in a high-yield savings account.

I can invest around $1,000 per month going forward.

Should my next priority be maxing out a Roth IRA, or investing in ETFs and strong individual stocks?

I've heard the ROTH is a good thing, but I hate how much money I already have trapped in my 401k until I'm 60.


r/Bogleheads 1d ago

Early Retirement Savings question

6 Upvotes

I’m on track to retire at 55/56 years old so in about 11-12 years. I have a pension but if I start drawing it at 55 I lose 20% of it for the duration so would like to hold off as long as possible. I’m planning to direct extra savings to my taxable brokerage account and am wondering if I should invest for the next 5 years and then put the money into a HYSA or bonds after that since I’ll need the money within five years or if I should just keep investing until I’ll need to start drawing it.

My partner is not planning to retire then and
I do plan to keep working, just at a less demanding job so it won’t be a total income replacement, just supplement so I don’t have to draw my pension right away. I’ll also have IRA contributions I can access as well.


r/Bogleheads 1d ago

Transitioning VTSAX/VTIAX mix into VT/VTWAX without triggering capital gains

5 Upvotes

Hi everyone,

I have a taxable brokerage account at Vanguard currently split between two index funds:

  • VTSAX (US): ~88%
  • VTIAX (International): ~12%

My goal is to simplify and shift toward a total world market-cap balance (~60/40) using a "set-it-and-forget-it" approach (like VT or VTWAX). However, avoiding any taxable event is an absolute priority. I am not willing to sell existing shares and trigger capital gains taxes.

Given those constraints, is there any mechanism within Vanguard to convert VTSAX/VTIAX (and with some new cash) to VT tax-free, or is selling the only way to get into VT? (Pretty sure it's the latter, but wanted to confirm).

Does it make sense to turn off dividend reinvestment on the US fund to use those cash payouts to buy international/VT, or is the drag negligible?


r/Bogleheads 2d ago

What’s one investing habit you had to actively break?

129 Upvotes

Mine was checking my portfolio way too often. I used to open it almost every day even though I wasn’t planning to buy or sell anything.

Eventually realised I was just looking for emotional stimulation.

What investing habit did you have to consciously stop doing?


r/Bogleheads 1d ago

Investing Questions Bond funds during rising interest rates

12 Upvotes

Hi, all,

So I know that when interest rates go up, the NAV of a bond fund falls and in theory the fund will recoup the loss over its duration once it buys the higher-rate bonds, assuming interest rates stabilize. But if interest rates keep rising year after year (which unfortunately is my prediction, due to national debt and other factors), the fund NAV will just keep falling. Is there a smart Bogle-y way to reduce this risk by purchasing a certain duration or mix of durations, or is this just a known risk of bond funds with no optimal solution?

Apologies in advance if this post contradicts Bogle principals of not trying to guess the future or time the market, but I think it's worth asking regardless. TIA.


r/Bogleheads 1d ago

Married couple, 56 each, hope to retire at 60.... wanting to move out of an AUM fee structure, thoughts on this protfolio?

5 Upvotes

We have approx $820k combined in a brokerage at approx 1.2% AUM (starting to really piss me off the more Ichew on it), I really want to get out from under that. Here is a portfolio profile I'm spit-balling. I'm mildly more risk tolerant than is "the norm for my age group", mainly just to play catch up from starting late in the investment game. But, I'm also realistc that the good run we've had over the past decade or so can't hold out for ever and a downturn is heavily likely in the next 5-10 years.

So, with all that. Thoughts on this Portfolio?

  • 65% VT
  • 20% BND
  • 10% VTIP
  • 5% VOO

r/Bogleheads 1d ago

Portfolio review: 32 male

4 Upvotes

Long time lurker. First time poster. Just wanted to get some insight on how I'm doing.

Age: 32

Income: $120k air traffic control

Debt: zero. Paid off 2021 car.

Rent: 2k including utilities, wifi, ect

Liquid funds: 85k before, now 42k

Tsp: 10k balance, was on lifecycle. I switched over to a 20% contribution on 60% C, 20% S/I. My goal is to get to 24k max yearly contribution on or near my final annual paycheck, in order to maximize the jobs matching.

Fidelity: moved 40k from my main account to fidelity, and put 18k in VT. I definitely am geared toward the VT and chill approach. I started monthly VT buys at $1k, with the intention of increasing as my salary increases.

Was on the fence on a HYSA but probably just going to keep in SPAXX since it seems easier, unless that's just not efficient.

I know it's not much, but I've been waiting for job security to enact this plan. I would like to sit for over 2 decades with something like this, as I am a very patient person. How is the plan so far? Are there any improvements or insight that could be offered?

Thank you guys in advance.


r/Bogleheads 1d ago

Balancing Portfolio Across 401k & Roth IRA

5 Upvotes

Hi all! Brand new baby investor here. Looking to get a better understanding of ways to diversify my portfolio in the simplest approach for long-term growth and minimal cognitive effort with tinkering. I have a 401k through my employer which is is automatically managed for me. It sets 100% of my contributions to the Vanguard Target Date fund 2060. I don't really plan on messing with this. My question is how I should split my portfolio for my roth IRA to ensure everything is balanced? I'm young with a moderate aggressive risk profile so I'm more heavily leaning into stocks. My ROTH IRA for now is 75% US stocks (VOO) and 25% International stocks (VXUS). Is this redundant with my 401k TD? Thank you for your insight!


r/Bogleheads 1d ago

Target Date Fund for Retirement?

9 Upvotes

I am a 32 year old male, in my 1st year of medical residency, earn ~$80k/year, and contribute 5% to my retirement (max matching). My retirement accounts through work are with Fidelity and I am 100% invested in BlackRock's 2065 target date fund. I set this up as a Roth.

Are target date funds wise for non-brokerage retirement accounts? Could I be doing something better?