While it means different things to different people, the 'Bogleheads' (or: passive indexing) approach to investing is all about *low-cost, tax-efficient, long-term simplicity.*

*This philosophy is about making smart decisions for the long haul and sticking with your strategy through times of fear or irrational exuberance.*

Set and forget your nest egg, tune out the noise; buy, hold and rebalance; get outside, enjoy life!

“Bogleheads” is a registered trademark of the [John C. Bogle Center for Financial Literacy](https://boglecenter.net/), a 501(c)3 organization. r/bogleheads is not affiliated with the JCBC.

**Basics:**

* [The Philosophy](http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy)
* [The Forum](http://bogleheads.org)
* [The Man](http://en.wikipedia.org/wiki/John_Bogle)
* [The Book](https://www.amazon.com/Bogleheads-Guide-Investing-Mel-Lindauer/dp/1119847672/)
* [The Wiki](https://www.bogleheads.org/wiki/Main_Page)

**FAQ, Tools & Resources:**

* [Three-fund Portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio)
* [Using a 'Total Portfolio' Approach](https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts#Portfolio_3_-_Spread_asset_allocation)
* [Guide to Tax-Efficient Fund Placement](https://www.bogleheads.org/wiki/Tax-efficient_fund_placement#Assigning_asset_classes_to_different_accounts)
* [Global Stock Diversification (US + Intl)](https://www.bogleheads.org/wiki/Domestic/International)
* [Series I & EE Savings Bonds Advantages](https://www.reddit.com/r/Bogleheads/comments/i3w6zj/suggestion_now_is_a_good_time_probably_the_best/)
* [Maintaining Portfolio Spreadsheets](http://www.bogleheads.org/wiki/Using_a_Spreadsheet_to_Maintain_a_Portfolio)
* [Further Reading Material (Books)](http://www.bogleheads.org/readbooks.htm)
* [Debunking 'Dividends = Free Money'](https://www.youtube.com/watch?v=f5j9v9dfinQ)

**Related Subreddits:**

* /r/Portfolios/
* /r/Boglememes/
* [/r/PersonalFinance](http://www.reddit.com/r/personalfinance)
* [/r/Investing](http://reddit.com/r/investing)

**Considering a tilt toward [US/growth/tech](https://www.reddit.com/r/Bogleheads/comments/ikc6n0/so_you_want_to_buy_us_large_cap_tech_growth/)?**

\[Today\] a lot of investors are asking about US large, tech and growth stocks, a performance-chasing approach following a familiar pattern: people gravitate to what is popular. Alas, winners rotate. So, here goes:

Start by reading about [three-fund portfolios](https://www.bogleheads.org/wiki/Three-fund_portfolio), consider the [diversification benefits of ex-US holdings](https://www.bogleheads.org/wiki/Domestic/International), and for a simple [graphical demonstration](https://web.archive.org/web/20210109000118/https://vanguardblog.com/wp-content/uploads/sites/4/2019/02/blog_global_equity_investing_1.png) of [rotating winners](https://web.archive.org/web/20220110224018/https://movement.capital/summarizing-the-case-for-international-stocks/), [check out this chart](https://www.callan.com/periodic-table/). The bottom line is this: [global equity investments increase diversification](https://corporate.vanguard.com/content/dam/corp/research/pdf/Global-equity-investing-The-benefits-of-diversification-and-sizing-your-allocation-US-ISGGEB_042021_Online.pdf) and as of the time of this sidebar update, [international stocks](https://web.archive.org/web/20200313134254/https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths) are relatively inexpensive compared to US ones.

*Be extremely wary* of buying high, which can lead to selling low. If you're at a loss for where to begin, start with a [Target Date](https://investor.vanguard.com/mutual-funds/target-retirement/#/) fund and learn the [basics of investing](https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews#Start-up_books) before you start tilting away from a broadly diversified global portfolio.

We've all been where you are - the appeal of recent outperformers is extremely tempting. But if you had invested in the *best performing markets and sectors* during the 2000s, you'd have had a rough time during the 2010s. No one knows what the future holds, but avoid learning the hard way by diversifying. Good luck.

**Additional Subreddits:**

* [/r/Frugal](http://reddit.com/r/frugal)
* [/r/Economics](http://reddit.com/r/economics)
* [/r/Accounting](http://reddit.com/r/accounting)
* [/r/Business](http://reddit.com/r/business)

**Rules:** No Self-Promotion or Spam.

**Guidelines:** Be civil and substantive; presume good faith.

<div class="md">While it means different things to different people, the &#39;Bogleheads&#39; (or: passive indexing) approach to investing is all about low-cost, tax-efficient, long-term simplicity.

This philosophy is about making smart decisions for the long haul and sticking with your strategy through times of fear or irrational exuberance.

Set and forget your nest egg, tune out the noise; buy, hold and rebalance; get outside, enjoy life!

“Bogleheads” is a registered trademark of the <a href="https://boglecenter.net/">John C. Bogle Center for Financial Literacy</a>, a 501(c)3 organization. <a href="/r/bogleheads">r/bogleheads</a> is not affiliated with the JCBC.

Basics:

<ul>
<li><a href="http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy">The Philosophy</a></li>
<li><a href="http://bogleheads.org">The Forum</a></li>
<li><a href="http://en.wikipedia.org/wiki/John_Bogle">The Man</a></li>
<li><a href="https://www.amazon.com/Bogleheads-Guide-Investing-Mel-Lindauer/dp/1119847672/">The Book</a></li>
<li><a href="https://www.bogleheads.org/wiki/Main_Page">The Wiki</a></li>
</ul>

FAQ, Tools &amp; Resources:

<ul>
<li><a href="https://www.bogleheads.org/wiki/Three-fund_portfolio">Three-fund Portfolio</a></li>
<li><a href="https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accounts#Portfolio_3_-_Spread_asset_allocation">Using a &#39;Total Portfolio&#39; Approach</a></li>
<li><a href="https://www.bogleheads.org/wiki/Tax-efficient_fund_placement#Assigning_asset_classes_to_different_accounts">Guide to Tax-Efficient Fund Placement</a></li>
<li><a href="https://www.bogleheads.org/wiki/Domestic/International">Global Stock Diversification (US + Intl)</a></li>
<li><a href="https://www.reddit.com/r/Bogleheads/comments/i3w6zj/suggestion_now_is_a_good_time_probably_the_best/">Series I &amp; EE Savings Bonds Advantages</a></li>
<li><a href="http://www.bogleheads.org/wiki/Using_a_Spreadsheet_to_Maintain_a_Portfolio">Maintaining Portfolio Spreadsheets</a></li>
<li><a href="http://www.bogleheads.org/readbooks.htm">Further Reading Material (Books)</a></li>
<li><a href="https://www.youtube.com/watch?v=f5j9v9dfinQ">Debunking &#39;Dividends = Free Money&#39;</a></li>
</ul>

Related Subreddits:

<ul>
<li><a href="/r/Portfolios/">/r/Portfolios/</a></li>
<li><a href="/r/Boglememes/">/r/Boglememes/</a></li>
<li><a href="http://www.reddit.com/r/personalfinance">/r/PersonalFinance</a></li>
<li><a href="http://reddit.com/r/investing">/r/Investing</a></li>
</ul>

Considering a tilt toward <a href="https://www.reddit.com/r/Bogleheads/comments/ikc6n0/so_you_want_to_buy_us_large_cap_tech_growth/">US/growth/tech</a>?

[Today] a lot of investors are asking about US large, tech and growth stocks, a performance-chasing approach following a familiar pattern: people gravitate to what is popular. Alas, winners rotate. So, here goes:

Start by reading about <a href="https://www.bogleheads.org/wiki/Three-fund_portfolio">three-fund portfolios</a>, consider the <a href="https://www.bogleheads.org/wiki/Domestic/International">diversification benefits of ex-US holdings</a>, and for a simple <a href="https://web.archive.org/web/20210109000118/https://vanguardblog.com/wp-content/uploads/sites/4/2019/02/blog_global_equity_investing_1.png">graphical demonstration</a> of <a href="https://web.archive.org/web/20220110224018/https://movement.capital/summarizing-the-case-for-international-stocks/">rotating winners</a>, <a href="https://www.callan.com/periodic-table/">check out this chart</a>. The bottom line is this: <a href="https://corporate.vanguard.com/content/dam/corp/research/pdf/Global-equity-investing-The-benefits-of-diversification-and-sizing-your-allocation-US-ISGGEB_042021_Online.pdf">global equity investments increase diversification</a> and as of the time of this sidebar update, <a href="https://web.archive.org/web/20200313134254/https://www.fidelity.com/viewpoints/investing-ideas/international-investing-myths">international stocks</a> are relatively inexpensive compared to US ones.

Be extremely wary of buying high, which can lead to selling low. If you&#39;re at a loss for where to begin, start with a <a href="https://investor.vanguard.com/mutual-funds/target-retirement/#/">Target Date</a> fund and learn the <a href="https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews#Start-up_books">basics of investing</a> before you start tilting away from a broadly diversified global portfolio.

We&#39;ve all been where you are - the appeal of recent outperformers is extremely tempting. But if you had invested in the best performing markets and sectors during the 2000s, you&#39;d have had a rough time during the 2010s. No one knows what the future holds, but avoid learning the hard way by diversifying. Good luck.

Additional Subreddits:

<ul>
<li><a href="http://reddit.com/r/frugal">/r/Frugal</a></li>
<li><a href="http://reddit.com/r/economics">/r/Economics</a></li>
<li><a href="http://reddit.com/r/accounting">/r/Accounting</a></li>
<li><a href="http://reddit.com/r/business">/r/Business</a></li>
</ul>

Rules: No Self-Promotion or Spam.

Guidelines: Be civil and substantive; presume good faith.
</div>

t5_2shb7

Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term investments. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost indexes, diversified between equities and fixed income. Buy, hold, pay low fees, and stay the course!

<div class="md">Bogleheads are passive investors who follow Jack Bogle&#39;s simple but powerful message to diversify with low-cost index funds and let compounding grow wealth. Jack founded Vanguard and pioneered indexed mutual funds. His work has since inspired others to get the most out of their long-term investments. Active managers want your money - our advice: keep it! How? Investing in broad-market low-cost indexes, diversified between equities and fixed income. Buy, hold, pay low fees, and stay the course!
</div>

Is it a bad idea to have all of my investments (IRA, brokerage, emergency fund) in Vanguard or should I diversify into another brokerage?