Retirement fund suggestion

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Retirement fund suggestion

Post by dave1054 » Wed Dec 06, 2017 7:45 pm

I will be retiring in about a year, and looking for a conservative fund
to put a sizable amount of my assets. Thinking of putting it in Vanguard
Wellington and forget about it. Do not want to complicate my life with
multiple funds and asset classes.
Any other suggested funds or etf? Thanks.

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Re: Retirement fund suggestion

Post by SimplicityNow » Wed Dec 06, 2017 8:16 pm

Wellington is a popular choice here at Bogleheads even though it is an actively managed fund. It's ER at 0.16% for admiral shares is fairly low as well. I believe it is about 65% stocks with about 10% of that in foreign equities. 35 % bonds and short term reserves and about 6% of those in foreign bonds.

Life Strategy Moderate Growth would be a similar non actively managed fund with about 60% stocks and about twice the international exposure to equities and bonds. ER is similar at 0.14%

Vanguard Balanced Index Fund is about 60%/40% stocks/bonds with no international equity exposure and a small international bond component with an ER of 0.7%

If you are comfortable with 60-65% of your equities in stocks any of those would be reasonable choices. Depending upon your age and the goals/purpose of your investment coupled with your need, willingness and ability to take risk would determine if 60-65% stocks would be considered conservative.
Last edited by SimplicityNow on Wed Dec 06, 2017 8:19 pm, edited 1 time in total.

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Re: Retirement fund suggestion

Post by JW-Retired » Wed Dec 06, 2017 8:17 pm

Where have all your assets been invested in past years? Is Wellington a big change in stock/bond asset allocation?
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Re: Retirement fund suggestion

Post by venkman » Thu Dec 07, 2017 1:41 am

You could do a lot worse than 100% Wellington, but...

It's not very well diversified. Mostly large-value stocks and corporate bonds. If I were going to put everything into one fund, I would go with a LifeStrategy fund--or even a Target Retirement, if you wanted to automatically get more conservative over time.

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Re: Retirement fund suggestion

Post by Sandtrap » Thu Dec 07, 2017 1:59 am

Decide on your allocation, then find a balanced fund that fits that allocation.
As other posters have listed.
Any of the Target Retirement Funds if you want its allocation to adjust over time.
or. . a fixed allocation balanced fund such as these below:

Life Strategy Moderate Growth at 60/40
Balanced Index Fund (VBIAX) at 60/40 (equity/fixed)
Life Strategy Conservative Growth at 40/60
Vanguard Wellesley Income Fund (VWIAX) at roughly 40/60
Vanguard Target Retirement Income Fund (VTINX) at 30/70
Vanguard Life Strategy Income Fund (VASIX) at 20/80
and so forth.
Compare the prospectus on each funds to fit your needs.
j :D

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Re: Retirement fund suggestion

Post by rkhusky » Thu Dec 07, 2017 2:11 pm

Wellington spits out a lot of taxable dividends and capital gains.

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