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Wellesley Comparables
Old 01-20-2008, 11:24 AM   #1
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Wellesley Comparables

What are some Vanguard Wellesley equivalents offered by TR Price and Fidelity. Looking for a fund to hold short term (3-5 year) funds other than MM / CD which you have to monitor/redeem/ladder more often.
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Old 01-20-2008, 11:54 AM   #2
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What are some Vanguard Wellesley equivalents offered by TR Price and Fidelity. Looking for a fund to hold short term (3-5 year) funds other than MM / CD which you have to monitor/redeem/ladder more often.
I don't know of any similar Fidelity and TR Price funds personally, though there may be some.

My brother (who is much wealthier than I am) has his broker handle his CD's, so that he doesn't have to do anything at all. He has given his broker instructions, and the broker monitors, redeems, and ladders everything, and just channels the interest into a checking account. For that he pays 0.5%, and he says it is worth it to him in order to eliminate the hassles. Just an idea.
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Old 01-20-2008, 11:57 AM   #3
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RPSIX at T Rowe Price. Spectrum Income. Holds 20% stocks, 80% bonds (all taxable). This is a fund of funds, I own it.

20% is in PRFDX (Equity Income- dividend paying stocks)
80% is in bonds (international and domestic, government, real estate and corporate).

T Rowe also has a balanced fund which is 60-40 allocation which is quite good. Fidelity has a balanced fund as well. Both balanced funds had ads in smart money magazine (Jan 2008 issue) which beat their lipper averages.

I would also consider PRPFX (permanent portfolio) for short term time horizons (less than 6 years). It owns stocks (around 20-40%), bonds (US) swiss francs, gold, silver and a few other inflation hedges. I think portfolio is 1/6 in each of 6 different inflation beating positions (stocks, bonds, francs, gold, silver and one other asset class I think).

I am opening PRPFX as my position to "pay down my mortgage". Any money I would have used to pay down mortgage is going into a taxable account in PRPFX. Permanent Portfolio.

ask same question on fund alarm and you will get many more choices than these. I think most (75%+?) posters here use Vanguard index funds for most investing needs.
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Old 01-20-2008, 02:08 PM   #4
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You could combine a total bond index with a large value index at 65:35.
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Old 01-20-2008, 02:29 PM   #5
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RPSIX at T Rowe Price. Spectrum Income. Holds 20% stocks, 80% bonds (all taxable). This is a fund of funds, I own it.

20% is in PRFDX (Equity Income- dividend paying stocks)
80% is in bonds (international and domestic, government, real estate and corporate).

T Rowe also has a balanced fund which is 60-40 allocation which is quite good. Fidelity has a balanced fund as well. Both balanced funds had ads in smart money magazine (Jan 2008 issue) which beat their lipper averages.

I would also consider PRPFX (permanent portfolio) for short term time horizons (less than 6 years). It owns stocks (around 20-40%), bonds (US) swiss francs, gold, silver and a few other inflation hedges. I think portfolio is 1/6 in each of 6 different inflation beating positions (stocks, bonds, francs, gold, silver and one other asset class I think).

I am opening PRPFX as my position to "pay down my mortgage". Any money I would have used to pay down mortgage is going into a taxable account in PRPFX. Permanent Portfolio.

ask same question on fund alarm and you will get many more choices than these. I think most (75%+?) posters here use Vanguard index funds for most investing needs.

I too am looking into prpfx until this mess blows over
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Old 01-20-2008, 03:07 PM   #6
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moneycentral.msn.com has a good fund research tool. The fund deluxe screener can be set to find fund with %-bond and %-stocks 'near' VWINX.

TRRIX looks like a good match.

Fund Research Wizard - Comparison - MSN Money
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