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Title of Oblivious Investor: "Oblivious Investor — Low-Maintenance Investing with Index Funds and ETFs"

Publisher:  mike195
Message frequency:  0.88 / week

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As I’ve written before, the financial planning mistake I encounter most frequently is not a particular bad decision per se, but rather a misallocation of time/energy toward less important financial planning topics, while allowing more critical topics t...


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A rule of thumb that’s becoming increasingly popular is to do Roth conversions in retirement to the top of the 12% bracket and no higher.

Any rule of thumb is going to have some situations in which it doesn’t work well, but I think this rule of thumb is particularly bad.

Firstly, there are some households for which any conversions are likely to be unhelpful, due...


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The first of the videos from the 2025 Bogleheads Conference are being posted, with more coming on a regular basis. They’re being posted in chronological order from the conference, so we have the initial keynote discussion, followed by the “Bogleheads University 101” videos.

...


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Quick housekeeping note: I’m taking some time off for the holidays, so there will be no article next week. So on that note, Happy Holidays and Happy New Year to each of you, and thanks for reading!

Today’s article was inspired by a few recent online discussions (and one article) I encountered during open enrollment season, all of which made the same mistake wh...


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Vanguard recently released a new line of target-date funds: the Vanguard Target Retirement Lifetime Income funds. The new series of funds will only be available in employer-sponsored defined contribution plans (e.g., 401(k), 403(b), etc.).

What’s different about them, relative to the existing Vanguard Target Retirement Funds, is that beginning at age 55, they’ll begin ...


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