Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Your Favorit Retirement Funds?
Old 07-09-2009, 09:55 AM   #1
Recycles dryer sheets
Join Date: Nov 2008
Posts: 109
Your Favorit Retirement Funds?

Please tell us some of your FAVORITE RETIREMENT FUNDS.
I have some, but they are no longer my favorite & I am looking to transfer to some conservative mutual funds. Currently, I have---DODGX, DODFX, CGMFX, CGMRX, PRWCX, WWNPS, VWLTX.
I want to find funds that will pay 5-8% dividend without loosing much principal. This way I can create a steady income. Currently I am 60yr old and semiretired.

rsingh6675 is offline   Reply With Quote
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 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!

Old 07-09-2009, 10:07 AM   #2
Recycles dryer sheets
Lawrence of Suburbia's Avatar
Join Date: Mar 2009
Location: Newcastle, WA
Posts: 93

Good luck. Most conservative funds I'm aware of are lowering dividends. VWINX pays 5% now, I know that. VWEHX pays 8% currently, but there's a risk premium there (it's corporate debt.)

I don't see anything wrong with the funds you have now.

Don't just do something; stand there!

- Jack Bogle
Lawrence of Suburbia is offline   Reply With Quote
Old 07-09-2009, 10:45 AM   #3
ziggy29's Avatar
Join Date: Oct 2005
Location: Texas
Posts: 15,419
Wellesley will pay about 5%, but it's suffering from dividend cuts even as its NAV has fallen over the last year.

Other than that, intermediate-term investment grade corporates might work, but they will have some default risk as well as inflation/interest rate risk.

If there were "safe" 5-8% yields out there, people would be flocking to them in this environment... and the demand would drive up prices to the point where they wouldn't yield 5-8% any more.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)
ziggy29 is offline   Reply With Quote
Old 07-09-2009, 12:15 PM   #4
Recycles dryer sheets
Join Date: Nov 2003
Location: Charlotte
Posts: 360
Our core funds are now the Wellington/ Wellesley combo. Managed balance of value stocks and mostly intermediate corporate bonds. They are pretty much mirror images of each other in stock to bond ratio, so pretty easy to control a stock/bond allocation; e.g., equal amounts in each fund will be roughly a 50/50 stock/bond allocation. We use international and REIT indices for further diversification on the stock side and 2-5 year CDs and treasuries for short term fixed income.
WilliamG is offline   Reply With Quote
Old 07-11-2009, 12:39 PM   #5
Thinks s/he gets paid by the post
charlie's Avatar
Join Date: Mar 2004
Location: Dallas
Posts: 1,211
A combination of Wellesley and Vanguard's 5% Managed Payout fund
to suit your risk tolerance would be my choice. This would give
excellent diversification on the equity side with a large cap value
tilt. I use both funds. Manage Payout in taxable and Wellesley in
tax exempt. I also own Intermediate Term Investment Grade and
Templeton Global Income (GIM) plus several inflation linked individual
corperate bonds in the IRA. All of these investments were made to
produce current income, hopefully to keep uo with inflation.


charlie is offline   Reply With Quote
Old 07-11-2009, 01:45 PM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 7,662
The funds don't make the portfolio; the asset allocation does.

Why not pick one of the popular asset allocation models and be done with it? For example, maybe you want 50% bonds and 50% stocks. Just fill your stock allocation with VTI, VEU, VBR, and VSS. You don't need anything more, but you could tweak if you wanted to. Bonds, the same thing, pick BND and TIP. There you go: 6 funds. These are among the lowest expense ratios funds available for their asset class.

See also: Is it Christian if you give more of your money to a financial advisor than to the Church? and Lazy Portfolios - Bogleheads

And read this to understand that you want Total Return in a tax-efficient way:
LOL! is offline   Reply With Quote
Old 07-11-2009, 03:10 PM   #7
Thinks s/he gets paid by the post
DblDoc's Avatar
Join Date: Aug 2007
Posts: 1,224
Originally Posted by LOL! View Post

And read this to understand that you want Total Return in a tax-efficient way:

Thanks for posting that link. I lost it some time ago and as hard as I looked at Vanguard I couldn't find it again.

DblDoc is offline   Reply With Quote
Retirement Funds or Ports?
Old 07-12-2009, 11:57 AM   #8
Recycles dryer sheets
Join Date: Oct 2008
Posts: 295
Retirement Funds or Ports?

If your regarding Vanguard Retirement Funds?
For what age? Or are oyu retired , then use their Sliding bar routine and help to designe a port for you ..

I am not a Fan of them and like others.. their are many other ways to set up a Retirement Plan/Fund/Port that is much better..

Example: Wm. Larkin at Cabot Mgmnt has a Excellant Port for Div & Income has been paying over Double the best VG Retirement Plan..
Fido has a few as well as do other Fund Families and Investment Mgmnt. firms to better suit your Needs..

Shop around before committing yourself..

Dennis is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Retirement funds Texas Proud FIRE and Money 3 03-21-2008 05:48 PM
Target Retirement Funds: Bond Funds vs Actual Bonds? Gearhead Jim FIRE and Money 11 10-23-2007 11:39 AM
Where should Target Retirement Funds go? Olav23 FIRE and Money 2 04-04-2006 11:24 PM
Targeted retirement funds - I don't get it. HBH FIRE and Money 7 03-11-2006 01:58 PM
FI taxable funds versus retirement funds just_hatched FIRE and Money 12 10-10-2005 09:09 AM


All times are GMT -6. The time now is 06:21 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.