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The Bogleheads' Guide to Retirement Planning


Meet the wisest and most generous crowd on Wall Street: the Bogleheads. The Internet's worst-kept secret is now well out in the open; for the best in online investment education and advice, you can't beat Wisdom of crowds, indeed: a thread for almost every need, an expert contributor for every subject. Now, for the first time between these covers, the Bogleheads assemble their formidable collective expertise on retirement planning. Savor, enjoy, and learn.—William J. Bernstein, author of The Investor's Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between

"The Bogleheads' Guide to Retirement Planning delivers the power of the community. Each chapter may have its own author, yet all have been molded by the remarkable Bogleheads community, resulting in a wonderful book that offers readers a slew of practical suggestions and a hefty serving of carefully calibrated advice."—Jonathan Clements, author of The Little Book of Main Street Money

"The Bogleheads have done it again! The web's savviest and most caring investment consortium has gathered all the information you'll need to plot a safe and sane course toward retirement. Their camaraderie, kindness, and commonsense wisdom will steel you to 'stay the course' and realize your retirement dreams. With the Bogleheads, asking the audience is always the best solution."—Don Phillips, Managing Director, Morningstar

"This book pilots the reader around the shoals of retirement planning, including tricky issues such as social security, health insurance, divorce, and finding proper financial advice. This not-for-profit collaborative enterprise answers recurrent questions raised by members of the Bogleheads online forum with clarity, wisdom, and humor. It exposes fallacies, suggests alternatives, and reassures the thorough planner. It is a welcome contribution to a world where unrestrained greed and complex financial arrangements have capsized many. I keep referring back to it."—Ed Tower, Professor of Economics, Duke University

TAYLOR LARIMORE has been dubbed by Money magazine as "the Dean of the Vanguard Diehards," and Jack Bogle himself calls Taylor "the King of the Bogleheads." Now eighty-six and retired, Larimore regularly spends several hours a day answering questions for free on the forum.

MEL LINDAUER was dubbed "the Prince of the Bogleheads" by Jack Bogle. Together with Taylor Larimore, he initiated and continues to organize the grassroots Bogleheads annual meetings. Lindauer has been quoted in a number of newspapers and magazines and has appeared on CNNfn.

RICHARD A. FERRI, CFA, is a key member of the growing Bogleheads "brain trust" and founder and CEO of the investment firm, Portfolio Solutions, LLC. He is the author of seven books, including The ETF Book: All You Need to Know About Exchange-Traded Funds and The Power of Passive Investing, both published by Wiley.

LAURA F. DOGU, called "the Queen of the Bogleheads," participated as an investment panelist during the Bogleheads meetings for the last four years. Dogu is a career Foreign Service Officer with the U.S. Department of State.

Foreword (John C. Bogle).



Part I The Basics.

Chapter 1 The Retirement Planning Process (Thomas L. Romens).

Chapter 2 Understanding Taxes (Norman S. Janoff).

Part II Savings Accounts and Retirement Plans.

Chapter 3 Individual Taxable Savings Accounts (Dan Kohn).

Chapter 4 Individual Retirement Arrangements (Jim Dahle).

Chapter 5 Defined Benefit Employer Retirement Account (The Finance Buff).

Chapter 6 Defined Contribution Plans (Dan Kohn).

Chapter 7 Single-Premium Immediate Annuities (Dan Smith).

Part III Managing Your Retirement Accounts.

Chapter 8 Basic Investing Principles (Bob Davis).

Chapter 9: Investing for Retirement (David Grabiner and Alex Frakt).

Chapter 10 Funding Your Retirement Accounts (David Grabiner and Ian Forsythe).

Part IV The Retirement Payoff.

Chapter 11 Understanding Social Security (Dick Schreitmueller).

Chapter 12 Withdrawal Strategies (Carol Tomkovich).

Chapter 13 Early Retirement (Jeff McComas).

Part V Protecting Your Assets.

Chapter 14 Income Replacement (Lee E. Marshall).

Chapter 15: Health Insurance (Lee E. Marshall).

Chapter 16 Essentials of Estate Planning (Robert A. Stermer).

Chapter 17 Estate and Gift Taxes (Robert A. Stermer).

Part VI Finding Good Advice When You Need It.

Chapter 18 Seeking Help from Professionals (Dale C. Maley and Lauren Vignec).

Chapter 19 Divorce and Other Financial Disasters (David Rankine).

Chapter 20 Meet the Bogleheads (Taylor Larimore and Mel Lindauer).

Appendix I: Pearls of Wisdom.

Appendix II: Recommended Reading.


About the Editors.