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Hi, I'm new here, retired greatgrandfather
Old 04-03-2015, 05:52 PM   #1
Confused about dryer sheets
Join Date: Apr 2015
Location: Cabot
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Hi, I'm new here, retired greatgrandfather

Would appreciate advice from Vanguard experts on where to reinvest IRA of approx. $150,000. Currently, Wellington(VWELX) $64,000, Wellesley Income(VWINX) $43,000, and Intermediate Term Bond Index(VBILX) $43,000.

Considering moving VWELX to VBIAX(Balanced Index Admiral Shares, VWINX to VBINX(Balanced Index Investment Shares, and VBILX to VFSTX(Short-term Investment Grade).

Any advice whether this would be good, bad, or indifferent. Would appreciate any and all answers. Thanks!

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Old 04-03-2015, 07:04 PM   #2
Thinks s/he gets paid by the post
Join Date: Feb 2011
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Welcome aboard!

Not an FP, but would repeat the usual caveat that intelligent 'advice' depends on individual circumstances. Like investor's age, goals, other assets (inc pensions or annuities), expenses, etc, etc, etc.

As you prob know, Vanguard Admiral shares have lower expense ratios and higher minimum investments. Looks like you would qualify-
If you love the Balanced Index fund, why not put both VWELX and VWINX into VBIAX?
Otherwise your proposed changes seem to be moving equity exposure from managed lg cap value to lg cap blended index, slightly decreasing your equity allocation (by ~2%), and shortening the effective duration of your bond allocation. Dividend/interest income looks like it would be less, but with the potential to rise if interest rates pick up over next 6-12+ mo. No one knows what the future holds, but basically your proposed portfolio changes seem fairly modest to me. How that fits into your personal situation, only you can decide.
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