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Old 02-19-2020, 02:53 PM   #41
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Originally Posted by michaelc View Post
Target2019,
Thanks, but I dont know where you are seeing PRWCX was down 40% in 2008/2009. According to Yahoo Finance, is was only down 27.17% in 2008.
Peak to trough...
22.33 on 7/9/2007
11.81 on 3/2/2009
-47%

I could be wrong. My first WAG was eyeballing a chart on my phone earlier.
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Old 02-19-2020, 03:03 PM   #42
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Originally Posted by target2019 View Post
Peak to trough...
22.33 on 7/9/2007
11.81 on 3/2/2009
-47%

I could be wrong. My first WAG was eyeballing a chart on my phone earlier.
By using just the raw share prices the 47% doesn't include the impact of dividends or capital gains distributions.

But it doesn't explain the magnitude of the difference. Per PV from Jul 2007 to Feb 2009 (PV only does whole months) was -23.72%.
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Old 02-19-2020, 06:12 PM   #43
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I personally would not get out of the TRP Cap Appr fund. It is an excellent fund, IMO. It is now closed to new investors. I'm super happy I'm in it, and wish I could put more in it!
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Old 02-19-2020, 08:04 PM   #44
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Yes, another reason why the FA's advice is bad, the fund is closed to new investors. I meant to mention that earlier but forgot.
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Old 02-26-2020, 05:42 PM   #45
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I agree, Wellesley is more appropriate for conservative investors in retirement.

Wellington is Wellesley's less conservative cousin.

However, you should probably also think about tax efficient placement. I would decide what I want my overall asset allocation (AA) to be, then fill the 403b with fixed income up to your fixed income allocation and the fill out the rest with stocks. That will also put higher growth equties in your tax-free Roth and keeping bonds in your 403b since withdrawals will be taxes as ordinary income when withdrawn.

Having stocks in tax-deferred accounts effectively converts growth that would be tax at preferential tax rates to income that will be taxed at ordinary tax rates.
Just to be clear, as far as your spendable income goes it doesn't make one bit of difference whether you put your growth in the Roth or the fixed income, IF your tax rate into the Roth is the same as your tax-rate out in retirement.

In most cases, your tax rate is less in retirement which favors putting the growth in the tax-deferred IRA.

https://seekingalpha.com/article/397...-iras-and-rmds
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