22yo in Cali. Option to have both Roth 401k and traditional 401k.
A Bogleheads thread on splitting new job contributions between a traditional 401(k) and a Roth 401(k).
r/Bogleheads · found 2026-10-14 · Source
DCA Playbook · Strategies
Strategies
Run your number on the playbook home.
90 strategies in the playbook. The full directory has every category.
Entries checked October 2026. Summaries are RogLabs's own one-line notes, not quotes from the pages. A link is not a recommendation. Nothing here is financial, investment, or tax advice, and nothing here promises a return.
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401(k)
The Bogleheads wiki page on 401(k) plans and the fund choices inside them.
Bogleheads Wiki · found 2026-10-14 · Source
401k Setup
A Bogleheads question about the first fund mix in a new Vanguard 401(k), including a rollover.
r/Bogleheads · found 2026-10-14 · Source
A dollar-cost averaging note from Wealthfront
Wealthfront's essay on the behavioral side of buying a fixed amount on a schedule.
Wealthfront · found 2026-10-14 · Source
A viewpoint on dollar-cost averaging
A Fidelity viewpoint essay on using a fixed purchase schedule.
Fidelity · found 2026-10-14 · Source
Approximating total stock market
The Bogleheads wiki page on building a total-market exposure when a plan's fund menu is limited.
Bogleheads Wiki · found 2026-10-14 · Source
Are there any Boglehead funds out there?
A Bogleheads question about a single fund that already holds a three-fund mix, so automatic deposits have one destination.
r/Bogleheads · found 2026-10-14 · Source
Asset allocation
The Bogleheads wiki page on choosing a stock and bond split before the contributions begin.
Bogleheads Wiki · found 2026-10-14 · Source
Automated saving and investing
Fidelity's note on pairing automatic bank transfers with repeating investments, and how that schedule relates to dollar-cost averaging.
Fidelity · found 2026-10-14 · Source
Backdoor Roth
The Bogleheads wiki page on the backdoor Roth contribution path when direct Roth contributions are limited.
Bogleheads Wiki · found 2026-10-14 · Source
Bitcoin doesn't require a galaxy-brain strategy. Stop overcomplicating it.
A Bitcoin post arguing for a long holding period over intraday charts.
r/Bitcoin · found 2026-10-14 · Source
Bogleheads three-fund portfolio ETF allocation
A breakdown of one Bogleheads three-fund mix using VTI, VEU, and BND, with the weights and a backtest.
Lazy Portfolio ETF · found 2026-10-21 · Source
Bogleheads three-fund portfolio review
A 2026 walkthrough of the Bogleheads three-fund portfolio using VTI, VXUS, and BND.
Optimized Portfolio · found 2026-10-28 · Source
Bogleheads® investment philosophy
The Bogleheads wiki statement of a low-cost, diversified, buy-and-hold approach.
Bogleheads Wiki · found 2026-10-14 · Source
Coinbase crypto basics, including dollar-cost averaging
Coinbase's crypto-basics hub, which includes a short guide titled as a dollar-cost averaging explainer.
Coinbase · found 2026-10-14 · Source
Dollar Cost Averaging - Optimized Cadence
A personal-finance question about putting a yearly sum in at once or splitting it into smaller scheduled purchases.
r/personalfinance · found 2026-10-14 · Source
Dollar-cost averaging
The Bogleheads wiki page on dollar-cost averaging, including how the wiki separates it from investing each paycheck as it arrives.
Bogleheads Wiki · found 2026-10-14 · Source
Dollar-cost averaging and lump-sum investing
Fidelity's side-by-side note on a schedule versus investing cash that is already available.
Fidelity · found 2026-10-14 · Source
Dollar-cost averaging and recurring crypto buys
Gemini's cryptopedia article on dollar-cost averaging by placing a crypto purchase on a repeating schedule.
Gemini · found 2026-10-21 · Source
Dollar-cost averaging versus a lump sum
Vanguard's article on spreading a pile of cash across several buys versus investing it at once.
Vanguard · found 2026-10-14 · Source
Dollar-cost averaging versus lump sum
An Of Dollars and Data essay comparing a fixed schedule with investing available cash at once.
Of Dollars and Data · found 2026-10-14 · Source
Dollar-cost averaging versus lump sum, 2019
A Dividend Growth Investor post comparing a schedule with a single deployment of cash.
Dividend Growth Investor · found 2026-10-14 · Source
Dollar-cost averaging versus lump sum, DQYDJ
A comparison, using S&P 500 history, of investing a sum immediately and spreading that same sum across weekly purchases.
DQYDJ · found 2026-10-14 · Source
Dollar-cost averaging versus lump sum, Kitces
An essay that compares a scheduled series of buys with investing the same cash at once, treating the schedule as a way to spread short-term price swings.
Kitces · found 2026-10-14 · Source
Employer retirement plans overview
The Bogleheads wiki overview of workplace retirement plans where payroll deferrals are invested.
Bogleheads Wiki · found 2026-10-14 · Source
ETFs vs mutual funds
The Bogleheads wiki comparison of ETFs and mutual funds for ongoing contributions.
Bogleheads Wiki · found 2026-10-14 · Source
Fixed-income advice: Home Bias, Hedging Costs, and Duration
A Bogleheads thread from a European investor about the bond side of a long-term mix.
r/Bogleheads · found 2026-10-14 · Source
Getting started
The Bogleheads wiki starting page for someone setting up a long-term contribution plan.
Bogleheads Wiki · found 2026-10-14 · Source
Glide paths
The Bogleheads wiki page on how a stock and bond mix can change as a goal date gets closer.
Bogleheads Wiki · found 2026-10-14 · Source
How do you guys handle rebalancing VTI/VXUS in a taxable account without constantly checking it?
A Bogleheads thread about rebalancing a VTI and VXUS mix in a taxable account without watching it every day.
r/Bogleheads · found 2026-10-14 · Source
How much to save for retirement
Fidelity's viewpoint on choosing a savings amount, the input that a contribution schedule then invests.
Fidelity · found 2026-10-14 · Source
How to invest a lump sum
An Of Dollars and Data walkthrough of choices for cash that is already in hand.
Of Dollars and Data · found 2026-10-14 · Source
How to invest, from Vanguard
Vanguard's starting guide for putting a contribution plan into an account.
Vanguard · found 2026-10-14 · Source
How to start investing
Fidelity's beginner walkthrough of opening an account and making a first contribution.
Fidelity · found 2026-10-14 · Source
If You Can
William Bernstein's free booklet on saving a set share of pay into three broad index funds and rebalancing once a year.
Efficient Frontier · found 2026-10-21 · Source
Index fund
The Bogleheads wiki page on index funds.
Bogleheads Wiki · found 2026-10-14 · Source
Individual bonds vs a bond fund
The Bogleheads wiki comparison of holding individual bonds versus a bond fund in the steadier part of a mix.
Bogleheads Wiki · found 2026-10-14 · Source
Investment policy statement
The Bogleheads wiki page on writing down the contribution and allocation rules you intend to follow.
Bogleheads Wiki · found 2026-10-14 · Source
Is dollar-cost averaging a bad idea?
Terence Eden's blog post questioning the usual case for spreading purchases out.
Terence Eden · found 2026-10-14 · Source
Is your allocation really just 100% S&P 500 ETF?
A financial-independence thread asking whether people really hold only an S&P 500 ETF.
r/financialindependence · found 2026-10-14 · Source
Just Keep Buying
A 2017 essay by Nick Maggiulli on buying assets continually, which he connects to dollar-cost averaging.
Of Dollars and Data · found 2026-10-28 · Source
Lazy portfolios
The Bogleheads wiki list of simple fund mixes meant to be funded and left alone.
Bogleheads Wiki · found 2026-10-14 · Source
Lump-sum investing
The Bogleheads wiki page on investing a sum you already hold instead of metering it out.
Bogleheads Wiki · found 2026-10-14 · Source
Lump-sum investing
Fidelity's explainer of putting available cash to work in one purchase rather than spreading it out.
Fidelity · found 2026-10-14 · Source
Managing a windfall
The Bogleheads wiki page on a sudden sum of cash, including the choice to invest it at once or over several months.
Bogleheads Wiki · found 2026-10-14 · Source
Mega-backdoor Roth
The Bogleheads wiki page on after-tax 401(k) contributions that some plans let you convert.
Bogleheads Wiki · found 2026-10-14 · Source
NerdWallet on lazy portfolios
NerdWallet's walkthrough of simple two-fund and three-fund index mixes, including adding money on a set schedule.
NerdWallet · found 2026-10-21 · Source
Over 1 mil in a tech index fund. How to diversify?
A financial-independence question about a portfolio concentrated in one tech sector fund.
r/financialindependence · found 2026-10-14 · Source
Prioritizing investments
The Bogleheads wiki page on the usual order of workplace match, high-interest debt, and tax-advantaged accounts.
Bogleheads Wiki · found 2026-10-14 · Source
Rebalancing
The Bogleheads wiki page on putting a drifted mix back to its targets, often with new contributions.
Bogleheads Wiki · found 2026-10-14 · Source
Reinvesting dividends
Vanguard's explanation of using dividends to buy more shares of the same holding automatically.
Vanguard · found 2026-10-14 · Source
River Learn
River's public learning section on Bitcoin, including how scheduled buying is described.
River · found 2026-10-14 · Source
Roth IRA
The Bogleheads wiki page on Roth IRAs.
Bogleheads Wiki · found 2026-10-14 · Source
Save and invest, Investor.gov
The SEC's overview page on saving and then investing those savings.
Investor.gov · found 2026-10-14 · Source
Saw this supercharged recurring buy feature, is it better than a regular DCA?
A Bitcoin thread about a recurring buy that increases when the price is lower, versus a flat schedule.
r/Bitcoin · found 2026-10-14 · Source
Scheduled buys, holding, or selling some bitcoin
A question about whether a long-term bitcoin plan should use only scheduled buys, holding, or selling some after large price rises.
r/Bitcoin · found 2026-10-28 · Source
Should I keep FHDDX or switch my 401(k) to 100% FXAIX?
A Bogleheads question about leaving a target-date fund in a 401(k) or sending new contributions to an S&P 500 index fund.
r/Bogleheads · found 2026-10-14 · Source
Simplifying to a three-fund portfolio
A Bogleheads thread about collapsing several factor funds into a smaller Roth IRA mix.
r/Bogleheads · found 2026-10-14 · Source
Stocks, part VI: portfolio ideas to build and keep your wealth
A Stock Series chapter that sets out three sample portfolios built from broad stock and bond funds.
JL Collins · found 2026-10-28 · Source
Swan Bitcoin articles
Swan's public article list, including explainers around saving in Bitcoin.
Swan Bitcoin · found 2026-10-14 · Source
Target date funds
The Bogleheads wiki page on target-date funds that change their stock and bond mix as a date approaches.
Bogleheads Wiki · found 2026-10-14 · Source
Tax loss harvesting
The Bogleheads wiki page on selling a holding at a loss in a taxable account while keeping a similar market exposure.
Bogleheads Wiki · found 2026-10-14 · Source
Tax-efficient fund placement
The Bogleheads wiki page on which funds tend to sit in taxable accounts versus IRAs.
Bogleheads Wiki · found 2026-10-14 · Source
Taxable account
The Bogleheads wiki page on investing in a regular brokerage account after tax-advantaged room is used.
Bogleheads Wiki · found 2026-10-14 · Source
The 3 Ways to Squander a Bitcoin Bear Market
A Bitcoin thread about ways people abandon a buy plan in a down market, including the use of leverage.
r/Bitcoin · found 2026-10-14 · Source
The benefits and limitations of dollar-cost averaging
FINRA's note on dividing a sum into equal purchases over time, and on how that differs from investing the sum at once.
FINRA · found 2026-10-21 · Source
The lump sum versus dollar-cost averaging decision
A 2018 post that sets investing available cash at once next to spacing the same cash into the market over a year.
A Wealth of Common Sense · found 2026-10-14 · Source
The shockingly simple math behind early retirement
Mr. Money Mustache's essay on savings rate as the lever in his early-retirement writeup, not a trading system.
Mr. Money Mustache · found 2026-10-14 · Source
The Stock Series
JL Collins's stock-series index, a long public guide to buying broad stock funds and holding them.
JL Collins · found 2026-10-14 · Source
Thoughts on recurring buys that double during the dip?
A Bitcoin thread about River's option to double a recurring buy when the price has dropped.
r/Bitcoin · found 2026-10-14 · Source
Three fund portfolio for Fidelity 401k - is there a difference between VTI/VXUS/BND vs. FXAIX/FTIHX/FXNAX?
A Bogleheads question about Fidelity fund stand-ins for VTI, VXUS, and BND inside a 401(k).
r/Bogleheads · found 2026-10-14 · Source
Three-fund portfolio
The Bogleheads wiki page on a portfolio of a total U.S. stock fund, a total international fund, and a bond fund.
Bogleheads Wiki · found 2026-10-14 · Source
Three-fund portfolio on Portfolio Charts
Portfolio Charts' page for a three-fund mix of U.S. stocks, developed-market stocks, and Treasury bonds, with long-run charts.
Portfolio Charts · found 2026-10-21 · Source
Traditional IRA
The Bogleheads wiki page on traditional IRAs.
Bogleheads Wiki · found 2026-10-14 · Source
Value averaging
The Wikipedia article on value averaging, a cousin of dollar-cost averaging that changes the contribution to hit a target path.
Wikipedia · found 2026-10-14 · Source
Value averaging
The Bogleheads wiki page on value averaging, which varies the next contribution to follow a target balance.
Bogleheads Wiki · found 2026-10-14 · Source
Vanguard four fund portfolio
The Bogleheads wiki page on a four-fund Vanguard mix.
Bogleheads Wiki · found 2026-10-14 · Source
Vanguard investor education
Vanguard's library of investor education articles on funds, accounts, and contributions.
Vanguard · found 2026-10-14 · Source
What are ETFs?
Vanguard's explainer of exchange-traded funds.
Vanguard · found 2026-10-14 · Source
What are index funds?
Fidelity's primer on index funds, the usual vehicle for a hands-off stock contribution.
Fidelity · found 2026-10-14 · Source
What is an ETF?
Fidelity's primer on exchange-traded funds and how they differ from mutual funds.
Fidelity · found 2026-10-14 · Source
What is dollar-based investing?
Vanguard's note on buying by dollar amount, including fractional ETF shares, which is how a fixed contribution lands.
Vanguard · found 2026-10-14 · Source
What is dollar-cost averaging bitcoin? (River)
River's explainer of buying a fixed dollar amount of bitcoin on a schedule, including drawbacks of that habit.
River · found 2026-10-21 · Source
What is dollar-cost averaging?
Fidelity's learning-center explainer of buying a fixed dollar amount on a schedule.
Fidelity · found 2026-10-14 · Source
What is dollar-cost averaging? (Ally)
Ally's short explainer of dollar-cost averaging and how a fixed dollar amount is invested on a repeating schedule.
Ally · found 2026-10-28 · Source
What is dollar-cost averaging? (Schwab)
Charles Schwab's learning article defining a fixed-dollar purchase schedule.
Charles Schwab · found 2026-10-14 · Source
What’s the best option? VTTSX, VFIAX, FXAIX
A Bogleheads comparison of a target-date fund and two S&P 500 index funds for an IRA left on autopilot.
r/Bogleheads · found 2026-10-14 · Source
Where to invest house sale proceeds for 10 years?
A financial-independence thread about where to park house-sale proceeds for a decade away from home.
r/financialindependence · found 2026-10-14 · Source
White Coat Investor on the three-fund portfolio
White Coat Investor's explainer of a portfolio built from a few broad stock and bond index funds.
White Coat Investor · found 2026-10-21 · Source
Why I don't like dollar cost averaging
JL Collins on why he would invest a lump sum in a total-market index fund rather than spread that cash over later dates.
JL Collins · found 2026-10-21 · Source
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