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Old 08-24-2015, 08:11 AM   #21
Recycles dryer sheets
Join Date: Nov 2009
Posts: 460
Originally Posted by mathjak107 View Post
one fund is not a portfolio so blue chip growth is only one fund in a 50/50 portfolio with other funds . both contra and blue chip growth are positive for the year , my VTI and veu are negative . the bond funds are just barely positive . ..
Most Balanced Funds by their very nature could be one's entire investment portfolio. Vanguard and almost every other Mutual Fund company offers them as alternatives to putting together your own mix of stock and bond Funds. Target Date Funds that adjust stock to bond ratios over time have become very successful retirement investment vehicles. As I've said before - Balanced Funds are the most underrated retirement/retiree investment vehicle IMHO.

This thread is about Wellesley and Wellington Balanced Funds' yields - where the OP is questioning if they are viable for a decent retirement income stream. They both currently pay out the highest Balanced Fund yields available at Vanguard, while also providing very good long term growth. One needs to obtain some pretty decent knowledge of financial investing (or pay out some your hard earned money to an advisor) to put together a stock and bond portfolio to duplicate this effortless approach. And you'll still need to do your own rebalancing to maintain stock/bond ratio yourself (or pay an annual management fee on your entire portfolio value, whether their efforts are positive "for you" or not).

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