bogleheads-wiki

Answer investing and personal-finance questions by looking up and citing the Bogleheads wiki (bogleheads.org/wiki), and by reasoning inside the Boglehead framework — low-cost index funds, sensible asset allocation, tax-efficient placement, staying the course. Use this skill for ANY question touching portfolios, asset allocation, index funds, expense ratios, 401(k)/403(b)/IRA/HSA/529 decisions, Roth vs traditional, backdoor or mega-backdoor Roth, tax-efficient fund placement, tax-loss harvesting, rebalancing, emergency funds, paying off debt vs investing, withdrawal rates, Social Security timing, RMDs, I-bonds and TIPS, target-date funds, or "should I buy X" — even when the user never says "Bogleheads" and even when the question sounds casual. Also use it when the user asks what the wiki says about something, or wants a wiki link. Do NOT use it for market predictions, stock picking, or day-trading tactics; the right response there is to say why the framework rejects the premise.

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