Bogleheads & Index Investing
Low-cost index funds, passive investing philosophy, three-fund portfolios, and the wisdom of Jack Bogle.
Target date funds — lazy or brilliant?
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Small cap tilt: yes or no?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Expense ratios matter more than you think — the math
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Expense ratios matter more than you think — the math
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Why I stopped trying to time the market and what happened
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
International allocation: 20% or 40%?
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Rebalancing frequency: annually, quarterly, or threshold-based?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
VTI vs VOO — the one true debate
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
The math on sequence of returns finally clicked for me
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Taxable vs tax-advantaged: how do you think about asset location?
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Taxable vs tax-advantaged: how do you think about asset location?
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Anyone using VT instead of VTI + VXUS?
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Small cap tilt: yes or no?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Taxable vs tax-advantaged: how do you think about asset location?
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
The math on sequence of returns finally clicked for me
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Taxable vs tax-advantaged: how do you think about asset location?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Anyone using VT instead of VTI + VXUS?
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Just switched from actively managed funds to index funds
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Just switched from actively managed funds to index funds
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
My 15-year Boglehead journey: what I learned
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Just switched from actively managed funds to index funds
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Anyone using VT instead of VTI + VXUS?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
Just switched from actively managed funds to index funds
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Just switched from actively managed funds to index funds
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Expense ratios matter more than you think — the math
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Small cap tilt: yes or no?
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Roth vs traditional — how I model the decision
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
VTI vs VOO — the one true debate
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Rebalancing frequency: annually, quarterly, or threshold-based?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Why I stopped trying to time the market and what happened
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Expense ratios matter more than you think — the math
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
The math on sequence of returns finally clicked for me
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
Anyone using VT instead of VTI + VXUS?
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Roth vs traditional — how I model the decision
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
Taxable vs tax-advantaged: how do you think about asset location?
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
International allocation: 20% or 40%?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Roth vs traditional — how I model the decision
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Taxable vs tax-advantaged: how do you think about asset location?
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Why I stopped trying to time the market and what happened
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
Anyone using VT instead of VTI + VXUS?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
Roth vs traditional — how I model the decision
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
My 15-year Boglehead journey: what I learned
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
International allocation: 20% or 40%?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
The math on sequence of returns finally clicked for me
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
My 15-year Boglehead journey: what I learned
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
Target date funds — lazy or brilliant?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
International allocation: 20% or 40%?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
3-fund portfolio checkup — am I overthinking the allocation?
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Just switched from actively managed funds to index funds
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Rebalancing frequency: annually, quarterly, or threshold-based?
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.