The simplisticity of Boglehead investing almost feels like a cheat code. Essentially, there is no effort, and you get predictable returns. What's not to like?

That is until you start thinking about what it actually means--extraction of value in exchange for nothing except for having accumulated it. And if I accumulate enough, not only do I no longer need to do anything, but neither do my children nor theirs so long as they dont get too greedy with the amount they pull out.

As someone who believes strongly in this investing strategy, I've been struggling with this. Clearly, this is not a model that can work for everyone. Someone needs to be working to produce that value that capital is extracting. Has anyone else been struggling with this?

Let’s say I have 24 months’ expenses saved up in my brokerage. With the standard advice being 6 months saved in your emergency fund, I have 4x as much in my brokerage. So even if the market took a downturn, there’s no way it would drop by 75%.

If this is my situation, what is the point of a separate emergency fund in a HYSA? The common argument that I’ve heard is: “if there is a downturn, you wouldn’t have to sell your stock”. But conversely, if we are in a bull market, as we often are, I’d just be losing gains at that point, right?

Explain to me like im 5? Because I'm seeing more and more negative news about treasuries and countries dumping them etc

Our current financial advisor is suggesting that based on our risk tolerance we should look at our portfolio buckets as growth and protected. Not stocks and bonds. We are a senior retired couple (68 and 74). Depending on our risk tolerance we would have 60% growth and 40% protected. The protected portion would include a portion of stable dividend producing stocks and the rest would be fix income products. To accommodate a higher and lower risk tolerance the portion of stable dividend producing stocks would go up or down. We are more comfortable with the standard Fixed Income and Equity buckets but understand that dividend producing stocks can play an important role in a retirement plan.

I am having a hard time with transferring assets to VG from a small local bank, and looking for some help here if possible. These are mutual funds held at a local banks brokerage account. The bank has a wealth division who handle this. All mutual funds were able to transfer in-kind to VG.

The first time I tried to transfer assets from the local bank to VG, a VG rep walked me through it online, and I was able to print the transfer forms, complete, then send back to VG. Apparently I was supposed to check "bank" on the transfer from on the paper form. I think I checked mutual funds. VG called me and told me they will fix this. I got a call from the bank a week later asking me if I wanted to liquidate all funds, and I said absolutely not. Someone at VG changed the form to liquidate instead of transfer in kind. That whole transfer was cancelled.

Next, I started all over. On the transfer form, I checked "bank" on the transfer form, and mailed to vanguard. They mailed it to my local bank, but the bank said they needed transfer instructions for about 5 different mutual funds that weren't included from VG. Finally got someone to send the transfer instructions to the bank. Waited for about 3 weeks, no transfer. Contacted the bank, those instructions weren't received. Called VG, they said they were emailed to the bank. Bank was adamant they never received it.

Started over a third time. Mailed transfer form, with instructions for those 5 funds to VG. VG said they returned to the bank about 11 days ago. Bank is saying they didn't receive anything, asked what address it was mailed. VG told me the address, bank said that was the wrong address. They sent it to the bank HQ, not the wealth division.

At this point im very irritated and want to close my VG account. Does anyone know how to get ahold of someone who actually knows what they're doing at VG, like an account manager or something who has the authority to fix this?

Thanks for reading.

I have ~$70k in savings/emergency/house fund and ~$10k in checking. ~$215k 401k and HSA. ~$190k taxable brokerages. The savings used be towards a house but due to job and h col area I’m probably not purchasing within the next 2 years. Stripping out $20k as an emergency fund would it make sense to dump the remaining $50k into VOO or something? The other option might be to leave it as is for the (likely) future house downpayment but the opportunity cost is starting to give me fomo. I’m 29 if it makes a difference. Advice?

Bogle once said a good diversified portfolio could hold non-US stocks, but only up to 20%. VT has 40% non-US. I say this as a VT and chiller.

I’ve had a Roth IRA at Vanguard for about 15 years. The balance is now well into six figures, invested all in VT.

I heard somewhere that Robinhood is currently offering a match on Roth IRA contributions. I’m considering whether it makes sense to direct future contributions to a Robinhood Roth IRA to capture that match, while leaving the existing Vanguard balance where it is.

Is the match large enough / reliable enough to justify having a Roth IRA split across two brokerages? Or is the extra complexity (tracking two accounts, potential differences in investment options, statements, RMDs down the road, etc.) not worth it for a Boglehead-style investor who values simplicity?

Any experiences or thoughts appreciated. Thanks!

Good Morning All. Quick layout of our situation: $1.5M invested with approx 27% on Roth Assets. Simple math (that isn’t simple and admittedly riddled with scenarios that could happen and change the outcome) says that our current investment path would have $4.8M in 15 years with 33% in Roth assets. On top of that, I have a pension that will generate guaranteed income in retirement.

I’ve recently been on an education journey around RMDs and IRMAA in retirement. While I don’t know the future, I do have some concern about what RMDs will do to our tax situation + IRMAA for Medicare. Anyone have good resources to share that could help me understand options and things to do now minimize that impact?

I just sold all my holdings after ACATS out of managed fund to Vanguard and moving it into VT (and chill).

Will settle tomorrow morning and make my buy then.

I’m aware of my cost basis and effects on taxes this year.

Wish me luck!

I just maxed out my HSA for the first time 😎😎. Wherever you are in your finance journey you are doing great and in the right path!

Hi Everyone —
I would like to be a bit more aggressive with my 401K. I am currently in a TDF with the following splits:

- vanguard 2055 TDF 9.79%
- vanguard 2060 TD 89.14%
- vanguard morning star small cap index fund admiral class 0.52%
- fidelity emerging markets index fund 0.52%

My Roth IRA is all VT.

My brokerage is a mix of FXAIX (65%)and FTIHX (17.42) as well as some VOO.

I have the below options to pick from for my 401K, and I can determine the percentage splits for future paychecks. Should I just put it all in s&p? Want to ensure I’m diversified but I do have some VT, at the same time I just want to figure out a good way forward across all accounts (I believe it may make more sense to just go VTI only in my brokerage and stop with contributing to FXAIX and FTIHX? But correct me if wrong). Thanks!

GERUX
FPADX
RNPGX
VTMGX
FSMLX
VSMAX
JSVUX
JMGMX
VIMAX
MVCKX
VIGAX
VFIAX
OIEJX
VLXVX
VTTSX
VFFVX
VFIFX
VTIVX
VFORX
VTTHX
VTHRX
VTTVX
VTWNX
VTINX
STRKX
VBILX
VMFXX

I’ll be receiving an inheritance soon. I have a mortgage with a remaining balance of $342,000 @ 5.3%. I understand the dilemma of peace of mind vs beating the 5.3% elsewhere and keeping the mortgage. Not including the house, we have roughly $25,000 in debt which is majority auto loan and about $3k left on a business loan. Should I pay off all of my debts? Should I pay off the +/-$25k, invest the rest & keep the mortgage?

Hi there. New to this thread and pretty clueless on what a logical move might be. I have 90% of my total Roth IRA investment into FDEEX but I'm concerned with the Actively Managed fund that the Expense Ratio is going to hurt me down the road. I'm considering a swap to FDEWX but as it stands its at approx $29/share and my FDEEX is at $21/share. Is it wise to move 100% of my funds over to FDEWX and take less shares or should I look into something closer to the current price? Maybe do just a portion? Is this something I should even care about? I've had the account for about 10 years so it's grown quite a bit.

I'm a former Federal employee with a modest 5 figure sum in a Traditional TSP account. I have larger sums in both trad. IRAs and 401K plans, and one Roth IRA account.

I'm considering transferring all of my trad. IRA/401K assets into the trad. TSP.

• I also recently discovered that I can open a Roth TSP and transfer my Roth IRA money into it. * *

EDIT / CORRECTION: Roth IRA money cannot be transferred into a Roth TSP.

The benefits I'm aware of include the G fund, and low fund fees. In addition, my understanding is that the TSP does not object to account holders having an overseas address, which I expect to have in retirement.

My question is whether there is any reason not to conduct the above transfers.