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View Poll Results: Where do you place Wellesley?
Wellesley is more than 5% of my AA, more in taxable accounts than not. 7 6.31%
Wellesley is more than 5% of my AA, more in sheltered/tax deferred accounts. 38 34.23%
I have 5% or less in Wellesley. 66 59.46%
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Poll: Wellesley Where?
Old 03-20-2013, 08:46 AM   #1
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Poll: Wellesley Where?

Just curious...

Not the school/town in MA, this one https://personal.vanguard.com/us/fun...FundIntExt=INT
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Old 03-20-2013, 08:54 AM   #2
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Maybe you should have added a zero %... because the choice given looks like I might have some in there...
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Old 03-20-2013, 08:57 AM   #3
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Nada, zilch, zip
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Old 03-20-2013, 09:00 AM   #4
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Nada, zilch, zip
+1
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Old 03-20-2013, 09:04 AM   #5
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Quote:
Originally Posted by Texas Proud View Post
Maybe you should have added a zero %... because the choice given looks like I might have some in there...
"5% or less..."
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Old 03-20-2013, 09:06 AM   #6
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I thought you meant the town in MA! My daughter studied there...
I have not even heard of the Wellesley that you have in mind
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Old 03-20-2013, 09:14 AM   #7
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Wellesley is approx. 20% of my AA and is all in my ROTH.
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Old 03-20-2013, 09:43 AM   #8
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While I think highly of the Wellesley fund and most of my assets are with Vanguard, my focus is more on the index funds because I find it easier to allocate my assets to my taxable, tax-deferred and tax-free accounts in a tax efficient manner with index funds than with a mix of balanced and index funds.

If I included a balanced fund in my portfolio I would probably lean more towards Wellington than Wellesley as Wellington's AA is more to my liking.
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Old 03-20-2013, 09:44 AM   #9
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Wellesley is 65% of DWs IRA, about 20% of our portfolio. It has worked well for her. I would hold it in taxable after retirement if drawing down assets for living. Actually adding to Wellington right now as it has a higher % equities.
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Old 03-20-2013, 09:51 AM   #10
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"5% or less..."

I know that is the answer that I would use, but that implies that I might have something... which I do not...

I think most of the people who vote 5% or less will be 0%.....
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Old 03-20-2013, 10:03 AM   #11
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I know that is the answer that I would use, but that implies that I might have something... which I do not...

I think most of the people who vote 5% or less will be 0%.....
As intended...I wasn't looking for how much Wellesley folks own. That might be another poll.
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Old 03-20-2013, 10:11 AM   #12
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I bought Wellesley as a bond replacement. It's part of the FI side of the portfolio. The yield is better than bond funds and I'm ok with a little principal volatility.

Target is 15% of AA in tax sheltered accounts.
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Old 03-20-2013, 10:35 AM   #13
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I don't own Wellesley. If this poll had been about Wellington instead, I would be right on the borderline of 5%, all of it in tax sheltered accounts.
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Old 03-20-2013, 12:50 PM   #14
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I'm into my 3rd year of ER and the dividends and cap gains distributed from from my after-tax Wellesley make up the expenses shortfall from my non-COLA pension.

If it was in my before-tax account all distributions would be taxed as regular income. I haven't done anything useful like calculate any actual tax figures, it just seemed a simple thing to do when we sold our house and switched to rented apartments just prior to actually retiring.
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Old 03-20-2013, 01:13 PM   #15
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3%, after tax.
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Old 03-20-2013, 02:36 PM   #16
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If Wellesley was available for my HSA, I'd use that for my HSA. But since that isn't I have Wellington for my HSA.

I do have a teenie-tiny amount in Wellesley so when all the Pssst conversation happens, I don't feel left out .
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Old 03-20-2013, 02:41 PM   #17
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We have less than 5% in Wellesley, and what we have is largely in IRAs, with funds we've rolled over in our efforts to be somewhat less conservative.

We did put a bit into a non-tax-deferred account, <$4k, just because I want to see how a mutual fund behaves when it kicks off whatever it kicks off at year end. You can tell me, but it won't stick until it's MY money and I SEE it!
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Old 03-20-2013, 07:40 PM   #18
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15% Wellington; 15% Wellesley. The way they fluctuate with the market, they seem to balance out/stabilize this part of my IRA. The gains and dividends also grow the IRA..........part of my attempt to stay ahead of inflation.

They're both balanced funds with low fees. I'm waiting for a "market correction" so I can build these to 25%/25% of the IRA (but at a lower price than they are costing today).
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Old 03-20-2013, 08:50 PM   #19
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Wellesley comprises 30% of our combined IRA accounts. I'm a bit concerned about having that much in one fund, but at a loss for a better place.
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Old 03-20-2013, 08:53 PM   #20
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It's just shy of 25% of our total investments.
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