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Author: Fuskie Big funky green star, 20000 posts Top Favorite Fools Old School Fool Ticker Guide SC1 Red Winner of the 2010 Rule Breakers Challenge Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75642  
Subject: Re: New 401k Plan Date: 6/3/2005 3:53 PM
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Recommendations: 4
VINIX - Vanguard Institutional Index
This is a super 4-star Large Cap Blend with a 1.91% dividend yield and a low 0.05% expense ratio and only a super 5% turnover rate. It's performance suggests a respectible 6% weighted average return, although it has been relatively neutral so far this year. It's only real drawback is a manager just over a month on the job.

VIEIX - Vanguard Extended Market Index Institutional Class
This is a 3-star Mid Cap Blend with a 1.08% dividend yield and a low 0.08% expense ratio and a decent 17% turnover rate. It's performance has excelled during the weak market with a 7% weighted average return, although it has been relatively neutral so far this year. It's only real drawback is a manager just over a month on the job.

DODBX - Dodge & Cox Balanced Fund
This is a terrific 5-star Large Cap/High Yield Short-term Blend with a 2.04% dividend yield and a 0.54% expense ratio, and a decent 18% turnover rate. It's management goes back more than 30 years, keeping about 40% in cash or bonds. It shows strong historical performance with a weighted average return of 11%, and is ahead of the game so far this year.

PVYYX - Putnam Voyager Fund Class Y
This is a 3-star Large Cap growth fund with no dividend yield, a respectible 0.79% expense ratio, a 2 month old management team, and 46% turnover rate. It shows a low 2% weighted average return and is down for the year. Accumulation now could pay off in a bull market.

RERFX - Eurpacific Growth Fund Class R-5 (American Funds)
This is a 5-star Large Cap International Blend with a 1.68% dividend yield, a 0.61% expense ratio, a 20 year management lead, and a 30% turnover rate. It has a 12% weighted average yield over the last 3 years, and could be a valuable international component.

PGIYX - Putnam Growth & Income Class Y
This is a 3-star Large Cap Value fund with a 1.43% dividend and a 0.67% expense ratio, a 29% turnover rate, and 12 years of tenured management.
The weighted average return of 7% provides decent growth, although the Vanguard Institutional Index fund provides comparable results for less.

PGEYX - The George Putnam Fund of Boston Class Y
This is a 4-star Large Cap Value/High Yield Intermediate-term blend with a 2.10% dividend yield, a 0.75% expense ratio, a high 166% turnover rate, and just 5 years under the longest lasting manager. A 60/40 Equity/bond allocation has provided a 7% weighted average return, although results so far this year have been above average.

RWMFX - Washington Mutual Investors Class R-5 (American Funds)
This is a 3-star Large Cap Value fund with a 2.15% dividend yield, a 0.39% expense ratio, a 12% turnover rate and a 27 year tenured manager. With a 6% weighted average return over the last three years, this fund has kept its nose above water so far this year.

RICFX - Investment Company of America Class R-5 (American Funds)
This is a 4-star Large Cap value fund with a 1.90% dividend yield, a 0.35% expense ratio, a 19% turnover rate, and 18 years under the same manager. It has used about a 15% cash reserve to generate a 7% weighted average return.

If this was my 401k, and I did not have additional retirement investment accounts over which to rebalance a larger portfolio, I would probably be attracted most to DODBX, VINIX, RERFX and PGEYX. Being only 29, I would allocate my 401k contributions so that the bond content of my funds amounted to about 10% of my total, and my international allocation was about 20%.

Fuskie
Who notes this is not his 401k and he has not been 29 in years...
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