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Wellesley & LifeStrategy Conservative Growth
06-02-2020, 05:19 PM
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#1
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Full time employment: Posting here.
Join Date: Apr 2005
Posts: 807
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Wellesley & LifeStrategy Conservative Growth
I’m 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.
I’m 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 it’s hard for me to choose it exclusively, but equally difficult to ignore its many decades of out-performance.
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06-02-2020, 05:23 PM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,004
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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.
__________________
Numbers is hard
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06-02-2020, 07:19 PM
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#3
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Recycles dryer sheets
Join Date: Jun 2010
Location: Scottsdale
Posts: 91
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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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06-02-2020, 07:32 PM
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#4
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Moderator
Join Date: Jul 2010
Posts: 7,925
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We use both in different parts of our portfolio. No complaints.
__________________
"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute." William Feather
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ER'd Oct. 2010 at 53. Life is good.
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06-02-2020, 08:40 PM
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#5
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Recycles dryer sheets
Join Date: Oct 2004
Posts: 295
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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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06-03-2020, 01:50 AM
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#6
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,056
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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.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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06-03-2020, 05:47 AM
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#7
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Thinks s/he gets paid by the post
Join Date: Jul 2007
Location: St. Louis
Posts: 1,563
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Both great funds. Wellesley kicks off more money but more taxes in taxable.
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06-03-2020, 06:28 AM
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#8
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Recycles dryer sheets
Join Date: Mar 2007
Posts: 315
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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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"Retirement isn’t really a switch you flip at a certain age anymore," the Schwab report states. "It’s a financial state that allows for the flexibility to make work optional."
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06-03-2020, 06:55 AM
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#9
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Thinks s/he gets paid by the post
Join Date: Oct 2017
Location: Tellico Village
Posts: 2,607
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Quote:
Originally Posted by Alan
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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Both Wellesley and Wellington have some unqualified dividends, so there may some tax consequences to withdrawals in a taxable account.
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Retired May 13th(Friday) 2016 at age 61.
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06-03-2020, 07:23 AM
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#10
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,056
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Quote:
Originally Posted by VanWinkle
Both Wellesley and Wellington have some unqualified dividends, so there may some tax consequences to withdrawals in a taxable account.
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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.
__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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06-03-2020, 07:35 AM
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#11
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gone traveling
Join Date: Sep 2003
Location: DFW
Posts: 7,586
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A big chunk of my IRA port is Wellesley and Wellington.
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06-03-2020, 03:10 PM
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#12
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Thinks s/he gets paid by the post
Join Date: Oct 2017
Location: Tellico Village
Posts: 2,607
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Quote:
Originally Posted by Alan
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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Yes, I noticed the same, just added for those holding in a different account.
Best to you,
Vw
__________________
Retired May 13th(Friday) 2016 at age 61.
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06-03-2020, 04:51 PM
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#13
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Full time employment: Posting here.
Join Date: Apr 2005
Posts: 807
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Thanks everyone. I appreciate the feedback.
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