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Wellesley & LifeStrategy Conservative Growth
Old 06-02-2020, 05:19 PM   #1
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Wellesley & LifeStrategy Conservative Growth

Iím wondering if any of the many Vanguard fans here are using either of these funds or a combination of them as their sole or primary portfolio.

Iím thinking that a 50:50 blend of the two might make a pretty good minimalist retirement choice. With Wellesley being actively-managed and very U.S. - centric itís hard for me to choose it exclusively, but equally difficult to ignore its many decades of out-performance.
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Old 06-02-2020, 05:23 PM   #2
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No experience with LifeStrategy Conservative Growth. The bulk of my portfolio is in Wellesley and Wellington funds and have been for 15+ years. I'm a conservative, "don't just do something, stand there" type investor and the combo has worked well for me.
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Old 06-02-2020, 07:19 PM   #3
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We have reduced our holdings to LS Moderate, Wellesley, Wellington. We already had the W's and added the Life Strategy when it came out and discontinued new money into the W's.
All happy here
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Old 06-02-2020, 07:32 PM   #4
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We use both in different parts of our portfolio. No complaints.
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Old 06-02-2020, 08:40 PM   #5
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Don't forget there are global options for the W's as well. I briefly held the global Wellington, in my ira.

Ive owned both Wellesley and Wellington at 50/50 going into the year. But sold the Wellington right after New Years. No regrets, other than the lack of international.

The life strategy funds seem like nice options as well. Id be happy with either again when I get back in.
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Old 06-03-2020, 01:50 AM   #6
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Our IRAs (all Roth) are Wellington and Wellesley, my wife’s are LifeStrategy Income. Retired over 10 years, and taking all the dividends as tax free income to supplement our pensions. No complaints.
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Old 06-03-2020, 05:47 AM   #7
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Both great funds. Wellesley kicks off more money but more taxes in taxable.
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Old 06-03-2020, 06:28 AM   #8
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I haven't used Windsor, Wellington or Wellesley. Though I've seen them all praised here and elsewhere. I guess I'm a passive index investor through and through. I have all the Life Strategy funds in various parts of my portfolio. Just added the Conservative Growth one to a taxable account. I've been very happy with them.
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Old 06-03-2020, 06:55 AM   #9
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Quote:
Originally Posted by Alan View Post
Our IRAs (all Roth) are Wellington and Wellesley, my wife’s are LifeStrategy Income. Retired over 10 years, and taking all the dividends as tax free income to supplement our pensions. No complaints.
Both Wellesley and Wellington have some unqualified dividends, so there may some tax consequences to withdrawals in a taxable account.
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Old 06-03-2020, 07:23 AM   #10
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Both Wellesley and Wellington have some unqualified dividends, so there may some tax consequences to withdrawals in a taxable account.
I totally agree which is why I was careful to specify in my post that they were Roth withdrawals, and why I kept them in IRAs during the accumulation period.
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Old 06-03-2020, 07:35 AM   #11
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A big chunk of my IRA port is Wellesley and Wellington.
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Old 06-03-2020, 03:10 PM   #12
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I totally agree which is why I was careful to specify in my post that they were Roth withdrawals, and why I kept them in IRAs during the accumulation period.
Yes, I noticed the same, just added for those holding in a different account.

Best to you,

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Old 06-03-2020, 04:51 PM   #13
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Thanks everyone. I appreciate the feedback.
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