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View Poll Results: Where do you place Wellesley?
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Wellesley is more than 5% of my AA, more in taxable accounts than not.
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7 |
6.31% |
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Wellesley is more than 5% of my AA, more in sheltered/tax deferred accounts.
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38 |
34.23% |
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I have 5% or less in Wellesley.
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66 |
59.46% |
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03-20-2013, 07:46 AM
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#1
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,304
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Poll: Wellesley Where?
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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03-20-2013, 07:54 AM
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#2
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Posts: 17,241
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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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03-20-2013, 07:57 AM
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#3
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 14,183
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Nada, zilch, zip
__________________
Have Funds, Will Retire
...not doing anything of true substance...
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03-20-2013, 08:00 AM
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#4
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Administrator
Join Date: Jan 2008
Location: Chicagoland
Posts: 40,716
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 Quote:
Originally Posted by HFWR
Nada, zilch, zip
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+1
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03-20-2013, 08:04 AM
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#5
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,304
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Quote:
Originally Posted by Texas Proud
Maybe you should have added a zero %... because the choice given looks like I might have some in there...
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"5% or less..."
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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03-20-2013, 08:06 AM
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#6
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Recycles dryer sheets
Join Date: Aug 2011
Posts: 106
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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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03-20-2013, 08:14 AM
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#7
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2006
Posts: 5,350
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Wellesley is approx. 20% of my AA and is all in my ROTH.
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03-20-2013, 08:43 AM
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#8
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,373
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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.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
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03-20-2013, 08:44 AM
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#9
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Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 3,346
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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.
__________________
T.S. Eliot:
Old men ought to be explorers
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03-20-2013, 08:51 AM
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#10
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2005
Posts: 17,241
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Quote:
Originally Posted by Midpack
"5% or less..."
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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%.....
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03-20-2013, 09:03 AM
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#11
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,304
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Quote:
Originally Posted by Texas Proud
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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As intended...I wasn't looking for how much Wellesley folks own. That might be another poll.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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03-20-2013, 09:11 AM
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#12
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Thinks s/he gets paid by the post
Join Date: Aug 2007
Posts: 2,873
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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.
__________________
Eat, Drink and Be Merry.
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03-20-2013, 09:35 AM
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#13
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Full time employment: Posting here.
Join Date: Jan 2013
Posts: 681
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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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03-20-2013, 11:50 AM
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#14
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,128
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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.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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03-20-2013, 12:13 PM
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#15
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Thinks s/he gets paid by the post
Join Date: Aug 2012
Posts: 1,862
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3%, after tax.
__________________
FIRE Class of 2018 @ 61
Old men and women sit in the shade of trees they planted long ago
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03-20-2013, 01:36 PM
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#16
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2008
Posts: 13,147
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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  .
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
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03-20-2013, 01:41 PM
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#17
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Posts: 1,500
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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!
__________________
Chief Retirement Strategist
The AR Group
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03-20-2013, 06:40 PM
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#18
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Full time employment: Posting here.
Join Date: Jun 2012
Location: Ohio Suburb and WV Farm
Posts: 519
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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).
__________________
"Everything becomes more itself." --C.S. Lewis
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03-20-2013, 07:50 PM
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#19
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Recycles dryer sheets
Join Date: Mar 2012
Posts: 125
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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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03-20-2013, 07:53 PM
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#20
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Full time employment: Posting here.
Join Date: Dec 2006
Location: chicago burbs
Posts: 806
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It's just shy of 25% of our total investments.
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