|
Favorite Vanguard core fund?
01-31-2015, 07:05 AM
|
#1
|
Full time employment: Posting here.
Join Date: Sep 2008
Posts: 998
|
Favorite Vanguard core fund?
In my Vanguard IRA I have a pretty good chunk in a MM fund. I plan to plunk into a long term Vanguard fund this year. Lots of good options. I don't plan to dip into anything for another 6 years to avoid the early withdraw penalty. Looking for a lower risk fund as I have the higher risk and no risk area covered. Have a small position in VWINX, could just add it to that one but wanted to get a few of your opinions/ recommendations 1st.
For me, the higher risk and zero risk is easy. Its the solid stuff in the middle that seems to kick my butt. 60/40? 40/60?
In the end, it might not really matter that much? Thoughts?
|
|
|
|
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
01-31-2015, 07:34 AM
|
#2
|
Recycles dryer sheets
Join Date: Jun 2014
Location: Olympia
Posts: 55
|
I have Wellington as one of my core funds in my 401k and retired 2 months ago. I will roll over that 401k in March and will invest in Wellesley or stick with Wellington with a portion going into the new ultra short bond fund that Vanguard is coming out with soon. Both funds are balanced and have been around for a very long time.
|
|
|
01-31-2015, 08:42 AM
|
#3
|
Thinks s/he gets paid by the post
Join Date: Feb 2007
Posts: 2,525
|
I have about 1/3 of my liquid NW in Wellesley which has performed remarkably well for a balanced fund for a long time. But as it is actively managed, who knows how long the pixie dust magic will continue? I've been ER'd for 12 years now and like the fairly steady income generation from that fund.
On the other hand, if one adheres to the total return investment approach and doesn't mind more frequent rebalancing a balanced fund may not be the best way to go.
|
|
|
01-31-2015, 10:19 AM
|
#4
|
Full time employment: Posting here.
Join Date: Sep 2008
Posts: 998
|
Thanks, I retired 1 1/2 yrs ago. Am 53 & this will be a long term hold.
Just to add a bit more detail.
The pixie dust magic does not bother me. Bonds on the other hand give me something to think about in a raising rate environment.
|
|
|
01-31-2015, 10:25 AM
|
#5
|
Full time employment: Posting here.
Join Date: Dec 2006
Location: chicago burbs
Posts: 806
|
Quote:
Originally Posted by ejman
I have about 1/3 of my liquid NW in Wellesley which has performed remarkably well for a balanced fund for a long time. But as it is actively managed, who knows how long the pixie dust magic will continue? I've been ER'd for 12 years now and like the fairly steady income generation from that fund.
On the other hand, if one adheres to the total return investment approach and doesn't mind more frequent rebalancing a balanced fund may not be the best way to go.
|
I have a fair amount in both Wellesley and Wellington. Aren't these balanced funds actually rebalanced daily so they maintain their stock/bond ratio?
|
|
|
01-31-2015, 10:30 AM
|
#6
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
|
Quote:
Originally Posted by golfnut
I have a fair amount in both Wellesley and Wellington. Aren't these balanced funds actually rebalanced daily so they maintain their stock/bond ratio?
|
Not according to this:
http://www.early-retirement.org/foru...ton-66703.html
__________________
Numbers is hard
|
|
|
02-01-2015, 10:17 AM
|
#7
|
Full time employment: Posting here.
Join Date: May 2007
Posts: 880
|
Quote:
Originally Posted by almost there
... I plan to plunk into a long term Vanguard fund this year. ... I don't plan to dip into anything for another 6 years to avoid the early withdraw penalty. Looking for a lower risk fund as I have the higher risk and no risk area covered....wanted to get a few of your opinions/ recommendations 1st.....Thoughts?
|
Hi Almost,
It's kind of hard to answer not knowing your desired allocation or what your risk tolerance is.
So, my only advice is diversify. Do you have Int'l stocks, REITs, Small Value,..these are typically added to a portfolio of core US stock and bond index funds.
For a little pixie dust, how about VGHAX, a health care sector fund!
__________________
"It is better to have a permanent income than to be fascinating". Oscar Wilde
|
|
|
02-01-2015, 11:52 AM
|
#8
|
Full time employment: Posting here.
Join Date: Sep 2008
Posts: 998
|
Recently got lots of Pixi dust with a ton of VGENX and some VGPMX.
(Long term hold in the Roth's)
For me, most 60/40 types of funds are low risk and will be in my taxable IRA. Have about 1/2 in no risk.
So most any low risk balanced type of fund will probably work out.
|
|
|
02-01-2015, 12:03 PM
|
#9
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,668
|
TSM
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
|
|
|
02-01-2015, 12:05 PM
|
#10
|
Thinks s/he gets paid by the post
Join Date: Jul 2002
Posts: 1,581
|
Vanguard Total Stock Market Index Fund
Vanguard Wellington Fund (about 65-35 allocation)
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|