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Thanks! I can live fairly comfortably on $2,000/mo.

Thanks, in advance, for your kind advice. At 52, I have left a career with $500,000 in an IRA, all of which is in the Vanguard Wellington fund, VWELX. It's unlikely I will find employment in my field and am seeking any sort of job, even if part-time. Most of my mortgage is paid off and the...

Vanguard Wellesley : Shelter From The Storm

I see your point, although, from my newbie vantage point, Wellesley performed relatively well last year because of its dominant bond holdings. I'm considering Wellesley to combine with my Wellington holdings but am also considering Vanguard Total Bond Index, which was +5% last year.

Wellesley was fown 10 percent last year and is down nearly 5 percent this year, so, why is Wellesley so great?

Hi, some seers are forecasting a bond market crash due to the heavy influx into bonds and, so, I'm wondering if TIPS are a better way to go than a total bond index fund because at least with TIPS, your principal is protected. Would appreciate your thoughts. Thanks.

One word: TIPS

One gotcha that has kept me away from ETFs,at least in my taxable acct, is that you pay a commission on each transaction. If you dollar cost average, as I do, those commissions add up and detract from your returns, esp. over time.

Thanks for the helpful insights. In doing my due diligence on the retail version of the fund, PTTAX, I learned it has a pretty high ER of .90%, which I might swallow given the successful trackrecord of the fund, but, the dealbreaker for me is they charge a load, around 3.5%, which I can't...

I'm looking at the option of TIPS for my IRA, but, wonder, as someone still working toward retiring one day, if TIPS are appropriate over, say, a total bond index fund. Given the modest inflation rate, the interest on the TIPS bonds would be fairly modest, too,and, so, I wonder if a total bond...

I've been considering various fixed income options, which members of this forum have kindly given their feedback on, and a friend has given me yet another option to consider in the PIMCO Total Return bond fund. As a Vanguard customer, I had been considering the VG Total Bond Market index fund...

I'm beginning to agree. I also feel that the market is rigged in favor of institutional investors and the individual investors are just along for the ride whether the ride is up or all the way down. I admire John Bogle immensely for his integrity and for providing a wonderful way for the...

A friend of my family is a very conservative, safety-minded investor, and, he puts most of his investment dollars in Savings Bonds and has built up a pretty good retirement fund that has helped enable him to retire early. Wondering what your thoughts are on them. Thanks.

Thanks, everyone, for the helpful replies. Would a municipal bond fund from a reputable firm, like Vanguard, be worth considering for a taxable acct? Thanks.

Interesting, but, what of the tax advantages of munis, which are free of federal or state taxes? Also, aren't CDs insured only up to $100K? I'm looking at a taxable acct where I can grow it as much as possible.

I came across this article about Suze Orman in which she says she invests primarily in zero coupon munis and makes a pretty good case for them, esp. that they are gov't guaranteed. I'm sure the interest rates are more modest than what one can obtain from stocks, but, in this clmate, I'm liking...

Although I have most of my IRA in VG Wellington, I'm trying to get a taxable account going and am considering putting all of it in CDs because the volatility of the stock market has really taken a toll on me emotionally and financially. I don't want to take a chance with the market crashing...

Thanks. Well, Wiener didn't do so well, after all, at least in '08. I guess what would be even better would be stats on the various portfolios' performances over the last 10-yr period in comparison to the S&P 500, since he was ripping Bogle a new one over buying and holding S&P index funds...

I came across Dan Wiener's Vanguard newsletter from Aug/'08 in which he declared the previous 10 years the lost decade, making the point that those Bogleheads who invested their money in an S&P 500 index fund essentially lost all their gains from the past 10 years. He derided Vanguard's Bogle...

My '86 Honda Accord has 165,000 miles and keeps going and going.

Since my mother informed me that she's getting a 5% or 6% return on her GNMA bonds, I became more interested in bonds going forward. Problem is, there are so many kinds of bonds, in general, I'm a little lost. My primary holding is in Vanguard Wellington (IRA), which is 40% bonds, but, I'd...

That's all ya got? lol. Thanks. I'll need another lifetime just to figure it all out.

Hi, if and when I ever get to retirement, my queston is how does one actually live off his investments? Let's say a person has $1 million in stocks and bonds (mutual funds). How do you arrange to receive a regular flow of money to live on? Given bonds provide income in the form of interest...

Coincidentally, I just came across this article a few moments ago that sings the praises of VG Wellington... TheStockAdvisors.com - A Guide to Stock Advisors, Financial Newsletters, Stock Market, China Stocks, Biotech Stocks & Oil Stocks

Thanks for everyone's responses. If I wanted to be n a couple actively managed funds in the Vanguard family, what are your thoughts on Wellington and Wellesley? I'm thinking that having a manager at the helm might be an idea worth considering as opposed to a strictly passive approach. Thanks.