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• Acknowledgments
• Foreword
• Introduction
• Part I: Essentials of Successful Investing
• Chapter One: Choose a Sound Financial Lifestyle
• What’s Your Financial Lifestyle?
• Take These Steps Before you Start Investing
• Chapter Two: Start Early and Invest Regularly
• The Magic is in the Compounding
• This Above All: Saving is the Key to Wealth
• Finding The Money to Invest
• Summary: The Most Important Things
• Chapter Three: Know What You’re Buying: Part One
• Stocks
• Bonds
• Chapter Four: Know What You’re Buying: Part Two
• Mutual Funds
• Mutual Fund Management Styles
• Annuities
• Exchange-Traded Funds
• What We’ve Learned
• Chapter Five: Preserve Your Buying Power with Inflation-Protected Bonds
• I Bonds
• Tips
• Summary: I Bond Versus Tips
• Chapter Six: How Much Do You Need to Save?
• Putting What We’ve Learned to Work
• Chapter Seven: Keep It Simple
• How Investing is Different from Most of Life
• Index Investing: it Pays to Be Lazy
• Why Indexing is So Effective
• How to Buy Index Funds
• Bogleheads and Actively Managed Funds
• Chapter Eight: Asset Allocation
• The Efficient Market Theory (EMT)
• Modern Portfolio Theory
• Designing Our Personal Asset Allocation Plan
• Portfolio Guidelines
• Chapter Nine: Costs Matter
• Fees Covered by The Prospectus
• Fees Not Covered by The Prospectus
• Adding it All Together
• Taking Advantage of Lower Costs
• Low Cost as a Predictor
• Conclusion
• Chapter Ten: Taxes: Part One
• The Devastating Impact of Taxes
• How Mutual Funds are Taxed
• Turnover and Taxes
• Investing in Taxable Accounts
• Bonds in Your Taxable Account
• Chapter Eleven: Taxes: Part Two
• Use Tax-Sheltered Accounts
• Placing Funds for Maximum After-Tax Return
• Tax-Savvy Ideas
• Chapter Twelve: Diversification
• Chapter Thirteen: Performance Chasing and Market Timing Are Hazardous to Your Wealth
• Past Performance Does Not Predict Future Performance
• Market Timing
• Financial Newsletters
• Financial Shows On TV
• Wall $Treet Week
• Financial Magazines
• The Bogleheads Contest
• Predicting Interest Rates
• Stay The Course
• Chapter Fourteen: Savvy Ways to Invest for College
• Methods of Saving for College
• Summary of College Savings Plans
• Chapter Fifteen: How to Manage a Windfall Successfully
• Windfalls are About a Whole Lot More Than Money
• Chapter Sixteen: Do You Need an Advisor?
• The Alphabet Soup of Financial Designations
• Part II: Follow-Through Strategies to Keep You on Target
• Chapter Seventeen: Track Your Progress and Rebalance When Necessary
• Principles of Rebalancing
• Assessing a Portfolio
• When Should I Rebalance?
• Market Forces
• How to Rebalance
• Other Rebalancing Considerations
• Chapter Eighteen: Tune Out the “Noise”
• The Great Wall Street Marketing Machine
• What The Investment Media Don’t Want You to Know
• The Three Biggest Lies—Wall Street Version
• Separating Soothsayers from The Truth Sayers
• Chapter Nineteen: Mastering Your Investments Means Mastering Your Emotions
• Welcome to the Field of Behavioral Economics
• Greed and Fear
• How Smart People Make Bad Investment Decisions
• Keeping Emotions in Check
• How To Escape the Emotional Traps
• Chapter Twenty: Making Your Money Last Longer Than You Do
• The Retiree’s Spending Dilemma
• The Two Best Ways to Insure Income for Life
• Three More Ways to Ensure Income for Life
• A Prudent Plan for Tapping Your Portfolio
• Chapter Twenty-One: Protect Your Assets by Being Well-Insured
• Common Insurance Mistakes
• Three Key Rules for Being Properly Insured
• Life Insurance
• Health Care
• Long-Term Disability Coverage
• Protecting Your Property
• Long-Term Care
• Locating Good Insurance Companies and Agents
• Chapter Twenty-Two: Passing It On When You Pass On
• Documents We’ll Need
• Other Considerations
• Gifting
• Letter of Instruction
• Disclaimer
• Chapter Twenty-Three: You Can Do It
• What We’ve Learned
• Help From the Bogleheads
• In Closing
• Appendices
• Appendix I: Glossary of Financial Terms
• Appendix II: Books We Recommend
• Appendix III: Financial Websites We Recommend
• Appendix IV: Vanguard Asset Allocation Questionnaire and Pie Charts
• About the Authors
• Index
• End User License Agreement