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Old 04-20-2008, 09:44 PM   #21
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Since we wont be using this money for 20+ years, I'll probably put most of it into equity funds. We dont do much in the way of bondage. But point taken that its a good place to do tax inefficient investing.
RPSIX is Spectrum Income, which is a fund of funds for bonds. It's objective is different than some bond funds (stated goal is high amount of income with moderate changes in NAV).

It owns Real estate bonds, government bonds, corporate bonds, foreign bonds and emerging markets bonds, as well as income paying stocks. Allocation is 15% stock, 85% bonds. Quite happy with this fund.
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Old 04-21-2008, 09:08 PM   #22
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jIMOh, thanks for the comments, good to hear positives about TRP. I've got a TRP investor center about 25 miles from my house, going to pay a visit tomorrow.
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Old 04-22-2008, 07:41 AM   #23
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DW has her 401k at TRP. The mechanics have gone ok, the expenses are OK but not in the Vgd ball park. Last I looked most of their balanced funds "looked" a bit better than Vgd and FIDO only because they had a more aggressive AA.

BTW, I set up my Vgd web portal to retrieve her TRP account and list it on the Vgd page as an "outside" investment. It updates daily and at least I can see everything in one place -- along with a few other misc things I can't roll over, such as my active 401K, 457 through employer, and even a small old whole live policy from decades ago at NML. You can do the same at Yodlee.com.
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Old 04-22-2008, 08:13 AM   #24
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DW has her 401k at TRP. The mechanics have gone ok, the expenses are OK but not in the Vgd ball park.
Some employers, with sufficient financial clout, are able to knock these expenses down considerably. An employer, with sufficient leverage (and it might be as simple as we will take our business to Vanguard, ING or Fidelity) can have a 401K provider create "trust funds" that replicate the publicly traded funds. These trust funds are opened only to employees/retirees and the trust fund expenses are significantly lower than the publicly traded mutual fund expenses.
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Old 04-22-2008, 09:45 AM   #25
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Some employers, with sufficient financial clout, are able to knock these expenses down considerably. An employer, with sufficient leverage (and it might be as simple as we will take our business to Vanguard, ING or Fidelity) can have a 401K provider create "trust funds" that replicate the publicly traded funds. These trust funds are opened only to employees/retirees and the trust fund expenses are significantly lower than the publicly traded mutual fund expenses.
I have funds like these through my 401k. Originally I was upset, but first 4 months have shown they are better than most funds I would have picked on my own.
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