Tools & Resources

Could also be called how I learned all of this stuff.




US govt on investing

The US govt mostly does.

They have a website: mymoney.gov(https://www.mymoney.gov) and under Save & Invest(https://www.mymoney.gov/saveandinvest) They talk about having an emergency fund. If you dig further into the invest section by following the "learn more" link and searching "retirement", you can find this report(https://www.ssa.gov/policy/docs/ssb/v67n3/v67n3p53.pdf) which they talk about some Bogleheads principals:

* Diversification: "One issue of particular concern is a lack of diversification" * Target date funds: "One effective default, and an increasingly popular option for managing investments, is a life-cycle fund." The DOL has a PDF also(https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/fact-sheets/investor-bulletin-target-date-retirement-funds.pdf) * Stock Purchase Plans: "Agnew (2002) explains that over investment in company stock is a common mistake in retirement plan portfolios."

They then talk about matching and rollovers, but I'm tired of copying and pasting here. Vanguard research reports are all over that document.

The DOL has a website(https://www.dol.gov/general/topic/retirement) about retirement and amongst their documents is one on fees(https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/our-activities/resource-center/publications/a-look-at-401k-plan-fees.pdf) that says: "While contributions to your account and the earnings on your investments will increase your retirement income, fees and expenses paid by your plan may substantially reduce the growth in your account which will reduce your retirement income."

Other random US Govt provided things:

* Investment Policy Statements, the US govt provides those too(https://www.askebsa.dol.gov/SavingsFitness/Worksheets). * Savings Fitness(https://www.savingmatters.dol.gov/employees.htm) Where they have links to PDF's talking about risk "Generally, the longer you have until retirement and the greater your other sources of income, the more risk you can afford. ", etc. * On Index Funds(https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/our-activities/resource-center/publications/new-employee-savings-tips-time-is-on-your-side.pdf) and compounding.

All things Bogleheads teaches. They of course do it in that weird government sort of way, but the information is in there.

Timing The Market Games

Or games that will prove that timing the market is 99.999% of the time a terrible idea, and you shouldn't bother.