Search found 30 matches

by InvMoney
Mon Oct 07, 2019 3:03 pm
Forum: Personal Investments
Topic: Retirement Portfolio
Replies: 12
Views: 1157

Re: Retirement Portfolio

Check out Vanguard Wellesley Income (VWINX - Investor Shares). This fund is also available in slightly lower cost Admiral shares. Wellesley Income invests 35% to 40% of its portfolio in 60 to 70 value priced, large cap, dividend paying stocks and the balance of its portfolio in 900 to 1,100 intermed...
by InvMoney
Fri Sep 20, 2019 4:09 pm
Forum: Personal Investments
Topic: Get Rid of FA. Create Single Fund Retirement Portfolio
Replies: 11
Views: 1651

Re: Get Rid of FA. Create Single Fund Retirement Portfolio

With regard to your second question, I'm a 74 year old retiree who has 100% of his portfolio invested in Wellesley Income (VWINX - Investor Shares). Before index investing became in vogue, financial advisors typically recommended that retirees have 20% to 50% of their portfolio invested in 30 to 40 ...
by InvMoney
Wed Sep 18, 2019 4:51 pm
Forum: Personal Investments
Topic: [Convince Me that Wellesley is the only fund I need in retirement]
Replies: 23
Views: 2441

Re: [Convince Me that Wellington is the only fund I need in retirement]

I'm a 74 year old retiree who has 100% of his portfolio invested in Wellesley Income (VWINX - Investor Shares). Before index investing became in vogue, financial advisors typically recommended that retirees have 20% to 50% of their portfolio invested in 30 to 40 blue chip, dividend paying, quality s...
by InvMoney
Mon Aug 12, 2019 5:53 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17196

Re: Wellesley 56.05% drop today

I have Wellington and Wellesley Income in a Fidelity IRA. Checked with a Fidelity Rep about the problem and was told that Vanguard was aware of it and would have it corrected in about an hour. In reviewing today's returns for all Vanguard funds, it's apparent that only Vanguard balanced funds were a...
by InvMoney
Sun Jun 16, 2019 8:53 am
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6794

Re: Wellington VS Balanced Index

The quality, dividends and price of a balanced fund's stock holdings is significant during a market correction or a bear market. While Wellington focuses on the quality, dividends and price of the stocks it selects for its portfolio, balanced index funds don't. Because of this, Wellington has a long...
by InvMoney
Fri Jun 14, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 36
Views: 6794

Re: Wellington VS Balanced Index

Following is data that indicates the May 2019 value of $100,000 invested on January 1, 2001 in Wellington and comparable indexes, along with average annual returns. (Note: I selected January 2001 for the starting point of this analysis, because the Vanguard Balanced Index Fund's inception date was i...
by InvMoney
Sat May 18, 2019 3:29 pm
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 12409

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

Following is data regarding the annual performance of Wellington compared to Vanguard balanced index funds during bear market years as well for the 4th Quarter 2018. 2000 +10.40% - Wellington (VWELX) NA - Balanced Index (VBIAX) -0.88% - LS Moderate Growth (VSMGX) 2001 +4.19% - Wellington (VWELX) -3....
by InvMoney
Thu May 16, 2019 10:20 am
Forum: Personal Investments
Topic: Balanced (VBIAX) vs Wellington (VWENX) math question
Replies: 18
Views: 2769

Re: Balanced (VBIAX) vs Wellington (VWENX) math question

Regarding the long-term attractiveness of Vanguard's Wellington and Balanced funds, following is data that indicates the April 2019 value of $100,000 invested on January 1, 2000, along with average annual return. $383,930 (7.61%) - (VWELX) Wellington (65% stocks / 35% bonds - US and International) $...
by InvMoney
Sat May 11, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard Wellington and Wellsley over the last 20 years
Replies: 60
Views: 7765

Re: Vanguard Wellington and Wellsley over the last 20 years

Regarding more relevant comparisons, following is data that indicates the April 2019 value of $100,000 invested on January 1, 2001 in Wellesley Income, Wellington and comparable indexes, along with average annual returns. $336,768 (6.85%) - (VWINX) Wellesley Income (38% stocks / 62% bonds - US and I...
by InvMoney
Tue Apr 02, 2019 8:19 am
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 135
Views: 26839

Re: Indexing beats Wellington and Wellesley right?

Regarding the pros / cons of Wellington and Wellesley Income vs comparable Vanguard index funds, following is Portfolio Visualizer data that indicates what the average annual return was for the January 1, 2001 through March 2019 period and what a $100,000 investment would have grown to during that p...
by InvMoney
Fri Mar 08, 2019 2:29 pm
Forum: Personal Investments
Topic: Getting nervous..
Replies: 66
Views: 8051

Re: Getting nervous..

LS Moderate Growth took a real hit in both the 2000-2002 and 2008 Bear Markets. Data follows for that fund, Wellesley Income and Wellington. 2000-2002 Cumulative Return -15.68% LS Moderate Growth +28.20% Wellesley Income +7.69% Wellington 2008 Return -26.50% LS Moderate Growth -9.84% Wellesley Incom...
by InvMoney
Mon Dec 10, 2018 1:38 pm
Forum: Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 6580

Re: Vanguard Wellesly Income

Following is a table that shows what $100,000 invested in Wellington, Wellesley Income and various Vanguard index funds on January 1, 2000 would be worth as of November 30, 2018. (Source: Portfolio Visualizer.) $400,481 - Wellington - VWELX $370,256 - Wellesley Income - VWINX $279,045 - Balanced Ind...
by InvMoney
Tue Dec 04, 2018 7:44 pm
Forum: Personal Investments
Topic: Vang Wellesley for Retirement
Replies: 45
Views: 6805

Re: Vang Wellesley for Retirement

I'm a retiree who has had a 50% Wellington / 50% Wellesley Income allocation for more than a decade. Following is a table that shows what $100,000 invested in Wellington, Wellesley Income and various Vanguard index funds on January 1, 2000 would be worth as of November 30, 2018. (Source: Portfolio V...
by InvMoney
Sat Oct 20, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: The End of Indexing?
Replies: 33
Views: 4509

Re: The End of Indexing?

I'm not an investment pro, but I have spent a considerable amount of time over many years analyzing mutual fund performance and have reached the following conclusions regarding index funds: 1. In a bull market when nearly all stocks are going up regardless of their fundamentals, index funds are hard...
by InvMoney
Thu Oct 18, 2018 5:53 pm
Forum: Personal Investments
Topic: Productivity of the 60/40 Split in Current Times
Replies: 6
Views: 1482

Re: Productivity of the 60/40 Split in Current Times

Vanguard's Wellington fund (VWELX - Investor Shares) has a superior long-term return to that of Vanguard's Balanced Index fund (VBINX- Investor Shares). Portfolio Visualizer data for the nearly 20 year period of January 1999 thru September 2018 follows. Wellington (VWELX) : September 2018 value of $...
by InvMoney
Thu Oct 11, 2018 9:06 am
Forum: Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1735

Re: Lump sum vs pension

I recommend the lump sum option. Years ago I retired at age 55 after a 34 years career with a Fortune 500 company. The company's pension plan did not offer a lump sum option. After I was retired for less than a year, the company declared Chapter 11 bankruptcy, and the Pension Benefit Guaranty Corpor...
by InvMoney
Mon Sep 03, 2018 12:24 pm
Forum: Personal Investments
Topic: Wellington Fund: where is the special sauce?
Replies: 41
Views: 10359

Re: Wellington Fund: where is the special sauce?

Vanguard Wellington's long-term performance since 2000 remains superior to that of Fidelity balanced funds and to Vanguard indexed balanced and stock funds. This conclusion is supported by the following Portfolio Visualizer data for the period of January 2000 to August 2018. The data presented shows...
by InvMoney
Sat Jul 28, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 115
Views: 13276

Re: Passive Index Investing, A Bubble Bound To Burst?

The data for Vanguard funds that follows raises a serious question regarding the long-term superiority of index funds over managed funds. Vanguard offers the following two index funds and one managed fund that have allocations of 30% to 40% stocks / 70% to 60% bonds, an allocation generally deemed s...
by InvMoney
Fri Jul 27, 2018 1:17 pm
Forum: Personal Investments
Topic: Conservative asset management during retirement?
Replies: 15
Views: 1851

Re: Conservative asset management during retirement?

The asset allocation recommended by investment professionals for retirees generally ranges from 20% to 40% stocks / 80% to 60% bonds. Vanguard offers the following four funds that have asset allocation in the ranges recommended above: - Life Strategy Income (VASIX) , which has 20% invested in US and...
by InvMoney
Fri Jul 13, 2018 11:19 am
Forum: Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 7312

Re: [Considering the Vanguard LifeStrategy Fund]

Regarding international exposure, Wellesley Income and Wellington have about 6% and 11%, respectively, invested in international stocks. Investing in international stocks and bonds involves currency exchange rate risk and political risk as well as securities performance risk. An argument can be made...
by InvMoney
Fri Jul 13, 2018 10:28 am
Forum: Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1746

Re: One Fund During Retirement?

Wellesley Income is an excellent choice for a retired person, and it has, as well as its sister fund, Wellington, outperformed alternative index funds on a long-term basis as the following data indicates: Value As Of June 1, 2018 of $100,000 Invested On January 2, 2000 (19.5 Year Period ) VWINX - We...
by InvMoney
Wed Jul 11, 2018 6:29 pm
Forum: Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 7312

Re: [Considering the Vanguard LifeStrategy Fund]

Wellesley Income and Wellington are viable alternatives to comparable Life Strategy funds. As the following data indicates, Wellesley Income and Wellington have had superior performance. Accumulative Percent Performance For 10 Year Period Ending June 30, 2018 VWINX - Wellesley Income (37% stocks / 6...
by InvMoney
Sat Jul 07, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Active Management Justification
Replies: 33
Views: 2370

Re: Active Management Justification

When we're in a stock bull market such as we currently are, some investors loose site of the consequences of a bear market on a stock heavy, indexed portfolio that by its very nature takes no steps to mitigate losses during bear markets. The data that follows is for the 19 year period of January 1, ...
by InvMoney
Sat Jul 07, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 6674

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

When we're in a stock bull market such as we currently are, some investors loose site of the consequences of a bear market on a stock heavy, indexed portfolio that by its very nature takes no steps to mitigate losses during bear markets.
by InvMoney
Sat Jun 23, 2018 3:05 pm
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 12409

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

The data for the 2000 thru 2017 period reveals that: - Wellington's average annual performance of 8.46% exceeded the Balanced Index fund's average of 6.35% by 2.11%. - Wellington's average annual return was 33% higher than the Balanced Index fund's average. - Wellington out performed the Balanced In...
by InvMoney
Sat Jun 23, 2018 11:45 am
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 12409

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

The Wellington (VWELX Investor Shares) fund has out performed the Balanced Index (VBINX Investor Shares) fund since 2000. Annual performance data follows. Year / VWELX / VBINX 2017 / 14.72% / 13.89% 2016 / 11.01% / 8.77% 2015 / .06% / .51% 2014 / 9.82% / 9.99% 2013 / 19.66% / 18.10% 2012 / 12.57% / ...
by InvMoney
Sun Jun 17, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard's actively managed funds better?
Replies: 11
Views: 2355

Re: Are Vanguard's actively managed funds better?

While some of the specific stock and bond holdings of the Wellington and Wellesley Income funds have changed since 2000, the investment philosophy of both of these funds has not. This is also the case for the Life Style Conservative Growth, Moderate Growth and Balanced Index funds. It's true that pa...
by InvMoney
Sun Jun 17, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard's actively managed funds better?
Replies: 11
Views: 2355

Re: Are Vanguard's actively managed funds better?

Some Vanguard managed funds are better than relative index funds, most notably Vanguard Wellington (VWELX - Investor Shares - 60% to 65% stocks / 40% to 35% bonds) and Vanguard Wellesley Income (VWINX - Investor Shares - 35% to 40% stocks / 65% to 60% bonds ). Supporting data follows. ______________...
by InvMoney
Sun Jun 17, 2018 12:12 pm
Forum: Personal Investments
Topic: Using Wellesley Fund as a bond alternative
Replies: 18
Views: 3132

Re: Using Wellesley Fund as a bond alternative

Vanguard Wellesley Income is an excellent conservative balanced fund that invests 35% to 40% in large cap, blue chip, dividend paying stocks and 65% to 60% in intermediate term investment grade bonds. Since inception on 7/1/1970, Wellesley Income Investor Shares (VWINX) have had an average annual re...
by InvMoney
Mon Jun 11, 2018 3:40 pm
Forum: Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 7079

Re: Strategy for a prolonged bear market

While it's true that most bear markets last less than two years, it usually takes more than two years for the market to fully recover. The last two bear markets illustrate this point. During the 2000-2002 bear market, Vanguard's S&P 500 Index Fund had annual losses of -9.06%, -12.02% and -22.15% res...