Hi sir MIKEM. Typo.. If I was 25 yo again.. I would do 100% 2055 or 2060 TDF or buy 90 bucks in Vti and 10 in BND.. Or put everything in Vffdx

If you 100 bucks is it better to buy 70 bucks in BND and 39 bucks in vti

For a teenager with a 40-50 year time horizon? Really?

Hi sir @_crash if you 100 bucks is it better to buy 50 to 70 bucks in VTI and rest in BND.. Fees so much lower, maybe less worries long term.. You can sell anytime

Ought to have mentioned that this new 50-70 fund would be for a young relative, just graduating high school.

Then a 50-70 balanced fund might be the last category I would choose for a young kid. A Total Stock Market fund is what I would put a young person into. No bonds, no cash, straight global equity (assuming this is for long term investing).

...Oops. Ought to have mentioned that this new 50-70 fund would be for a young relative, just graduating high school. Already, I/we will be starting him into BIAWX simply because of its very low minimum to get in. I'm glad for ALL the responses. I'll be checking those funds out, one by one. He's not "married" to TRP the way I am. I never put any money into RPBAX because I never liked their top 5 holdings. ...But now, I see that's CHANGED a bit.

GDMZX (7.5%) and RPGAX (10%) are the two funds that use up most of the $'s in my "Mixed 2 Pot". There is also a smaller amount of BTBFX (2.5%) there. Between those three, the fit looks to be within the 50 to 70% limits. I am comfortable with all three....

@Jim0445: Thanks, however you can listen to the audio version off of the same link
Regards,
Ted

I recall the money you're dealing with in this question is all traditional IRA, correct?
I'm confused about your portfolio.
You noted recently, that: "PRWCX = 32.35% of my stuff. I'm now bond-heavy, in retirement. It's my favorite, too, and my only balanced fund. I'm 61% bonds, 25% US equities, and 7% foreign equities. The rest is cash and cash equivalents and "other," according to Morningstar.
You also noted in this thread that PRWCX is closed to new investors. This is correct, I can not purchase. But, if you already hold PRWCX at TRPrice; are you not able to add to this fund?

FYI: Reality checks can be painful.
That seemed to be the lesson earlier in the past week when global markets tumbled as trade tensions quickly escalated between the U.S. and China.
Regards,
Ted
https://www.barrons.com/articles/trade-war-stock-market-outlook-51558120641?mod=past_editions

FYI: You, too, can make a fortune in the art market. All you need is an eye for important, beautiful works, some spare cash and a time machine. If you lack the ability to go back a decade or more to buy what we now know will bring huge prices, well, then, making great returns in art is very, very hard.
Regards,
Ted
https://www.bloomberg.com/opinion/articles/2019-05-16/getting-rich-investing-in-art-is-so-easy
Barron's Article:
https://www.barrons.com/articles/art-market-stays-hot-despite-trade-headwinds-51557941417?mod=djem_b_Weekly Feed for Barrons Magazine

Hi @Crash:
I currently own ABALX in the 50/70 allocation fund classification. I have also looked at JDBAX ... MAGWX ... and CVTRX; and, I have found them to be pretty good and interesting as well. All of the tickers are for A shares so you might wish to look for other share classes that are avaliable, if interested.

...Like PRWCX (closed to new investors) and DODBX. (too volatile, even in a tame-ish category.) I'm "shopping" for other good prospects in this category. Any of you all have good experiences with others in this peer group? Want to suggest? OEF only...Thank you.

PRFDX was hot out of the gate in the 90s (inception 1985). Talk of the fund community for several years and highly prized by investors. So hot that manager Brian Rogers became a regular on Wall Street Week. Seems to have taken a wrong turn somewhere along the way - though value has been out of favor for years. Not that it’s a bad fund. It isn’t. But hasn’t lived up to the earlier high expectations. I haven’t observed anything outstanding from the fund in near 20 years compared with some of Price’s other offerings. (But perhaps I haven’t looked hard enough.)
Back to Rogers - He retired 2 years ago (2017). Here’s a brief blurb published prior to his retirement.
BRIAN C. ROGERS
Brian, 61, joined T. Rowe Price as a portfolio manager in 1982 and is currently chairman of the Board and chief investment officer. Previously, he served as portfolio manager of the U.S. Large-Cap Equity Income Strategy and the Equity Income Fund for 30 years, beginning with their inception in 1985. From 1994 to 2003 Brian was the first manager of the U.S. Value Equity Strategy and the Value Fund, and he was a founding member of the team managing the U.S. Large-Cap Value Equity Strategy from 2000 to 2015. He was elected to the firm's Board of Directors in 1997, joined the Management Committee in 2003, and was named Board chair in 2007. https://troweprice.gcs-web.com/news-releases/news-release-details/t-rowe-price-chairman-and-cio-brian-rogers-retire-march-2017

But trails the S&P 500 index over 1,3,5, and 10yr periods and only pays 0.50% more in annual dividends. Nice fund I'm sure and it's hard to argue with success but it seems like it could be better.

@Gary - the original post by Ted linked this article:
https://www.marketwatch.com/story/the-media-is-lying-to-you-about-trumps-china-tariffs-2019-05-14/print

FYI: T. Rowe Price Equity Income has stuck to its playbook, earning a Morningstar Analyst Rating of Silver.
The approach is simple yet well executed. Manager John Linehan invests in undervalued dividend-payers. But unlike some equity-income funds, absolute yield is not the only driver here; valuation, the quality of management, and company fundamentals also matter.
Regards,
Ted
https://www.morningstar.com/articles/929547/a-simple-wellexecuted-approach-to-dividendpaying-s.html

@STB65
Well thought out post on May 16 - I thank you!
@Mark
Your May 16 post is referenced to who and what post? thank you.

Suspect goverment regulations part of MassMutual problem
"Oppenheimer eventually swelled to some $230 billion in assets. In spite of that success, MassMutual put the firm on the sale block, reasoning that OppenheimerFunds would need a bigger investment than the insurer was willing to make to effectively compete in an industry facing long-term headwinds."
https://www.institutionalinvestor.com/article/b1ff53twv05b0n/Why-MassMutual-Chose-to-Sell-Oppenheimer-Funds

The average 401(k) employee contribution in the first quarter of the year reached a record $2,370, a 15% increase from a year earlier. The average match was $1,780, a 6% increase from one year earlier.

@Derf @hank
If one plucked down "x" dollars, buy and hold on Oct. 30, 2007; the below percentages are total return for the period through May 16, 2019.
Same chart layout as last post, but with a start date of Oct. 30, 2007; which is very close to multiple equity market tops before the big melt of Sept., 2008.
Total returns for this period, buy and hold.
--- QQQ = 278%
--- FSPHX = 276%
--- FDGRX = 228%
--- VPMCX = 198%
--- FCNTX = 168%
--- SPY = 138%
Another observation. Same funds chart, but from Oct. 30, 2007 to Jan. 2013.
Imagine an investor deciding to invest $100,00 on Oct. 30, 2007, and vowed to be brave and bold enough to ride the equity markets through 2020, when some of the money would aid in retirement.
They sweat a bit as they find their portfolio value dip going into the end of 2007. But, about half way into 2008, things are looking better. Then early September tests their braveness, to be further tested into the end of the year and the spring of 2009. Going into the end of March, 2009, the worst appears to be past. The equity markets move along and slightly upward through the rest of 2009, 2010 and then the middle of 2011 finds another portfolio whack as the credit rating of the U.S. is downgraded. Eventually, a bit more positive travel for the remainder of 2011 and 2012.
However, take a peek at the returns after a little more than 5 years.
I suspect these are the types of experiences that find folks leaving equity investing and not returning.
Five years can be a very long time to watch one's money travel such a path.
Chart here
Have a good remainder,
Catch