FYI: Conventional wisdom says you need retirement income equal to 80% of your final salary. But there is a decent chance you could happily retire with far less.
Regards,
Ted
http://www.wsj.com/articles/you-may-need-less-money-than-you-think-for-retirement-1428701496

I don't necessarily subscribe to all of this rebalancing stuff. Pretty-much on auto-pilot these days through some very good balanced and hybrid funds (which do the rebalancing for you to some extent). I did add a lot to commodities and natural resources in late December and early January. This speculative move has yet to pay off - but I'm the patient type.
Generally, the things I hold (except the energy related) haven't done much the past 3-6 months in terms of outperformance and underperformance. Furthermore, rebalancing in retirement often consists of simply pulling IRA distributions from areas that have done the best.
However, if you are looking for things to rebalance, The link below shows the best 5 and worst 5 market segments for first quarter 2015. Just keep tapping the "next" tab to view.
Among the best performing fund sectors (which you might want to rebalance out of) are Japan, India, health care and U.S. small cap funds. Among the worst areas. (which you might want to rebalance into) are Latin America, natural resources, energy, utilities and precious metals. Keep in mind, however, that utilities are somewhat of an indirect play on interest rates. (That's because they finance a large portion of their infrastructure by floating bonds.) If you think rates will rise sharply, you may not want to get into them.
http://www.investmentnews.com/gallery/20150401/FREE/401009999/PH/the-first-quarters-best-and-worst-mutual-fund-groups&Params=Itemnr=8

Howdy,
Well, in the early days of one's retirement plan via IRA, 401k, 403b or related; it may be difficult to initially appreciate a rate of return on your money, when the balance is $2,000. Presuming a first, one year return of 8% on the money, $160 does not seem like much for most folks.
The years roll past, and a working couple has managed to provide for a family and living within their incomes from their excellent budgeting skills; allowing them to continue to set aside monies into retirement funds.
They maintained their positive investment emotions over the years, even when the investment markets had a few rough periods. They did/do monitor their investments, but were not frequent with moving money here and there. They actually enjoy this monitoring, as it is also an ongoing educational experience.
Jumping forward to retirement period.
We find their investible retirement savings to be exactly $500,000 on March 9, 2009.
They decided, within their rollover IRA accounts, to have a moderate, U.S. centered investment allocation starting with a most simple plan. VTI and BND would have 50% of the monies allocated to each fund. They would monitor these choices and make adjustments as needed, based upon the results.
The combined annualized return between these 2 funds over the past 6 years is about 10%.
The numbers: March 2009 - March 2015
--- 1st year, + $50,000 gain
--- 2nd year, + $55,000 gain
--- 3rd year, + $60,500 gain
--- 4th year, + $66,550 gain
--- 5th year, + $73,205 gain
--- 6th year, + $80,525 gain
Total current value = $885,780
Total current gain over the 6 year period = $385,780
They calculated the following fun excercise regarding their invested monies versus their time; another very precious commodity. They were curious with their time spent to monitor and perhaps take any actions with their investment holdings; as to what this would mean in terms of an hourly rate of pay for their efforts.
Upon review, this couple determined they spend an average of 20 hours per week with investment business information; in written and television form. Keeping in mind that they don't really consider this a chore, as they both enjoy keeping up to date and informed.
Twenty hours a week of time becomes 1,040 hours a year. With this in place, the following numbers were determined as to an hourly rate of pay:
--- 1st year = $48/hour
--- 2nd year = $53/hour
--- 3rd year = $58/hour
--- 4th year = $64/hour
--- 5th year = $70/hour
--- 6th year = $77/hour
Overall average of the 6 years = $62/hour
Obviously, they found these numbers quite pleasing; and more than any hourly pay rate they had received during their working careers.
Well, another view; at least for this house, as to the value of saving and investing; and how it relates in the long run, to a part-time, post-retirement pay scale for working from the comfort of your own home. :)
Hoping your hourly pay rate for the time spent monitoring and educating yourself for now or the future, to help your investments grow properly, into enough Assets Under Management; that you are well rewarded for your efforts.
All numbers should be accurate. Please let me know if the math has a problem, as I can always blame the HP-12C calculator.
Take care,
Catch

All Search Tools have now been updated with performance data through March.
The MFO Fund Dashboard contains all funds profiled through April commentary.
Some notable funds on the Three Alarm list, which examines only absolute return within category, include:
Greenspring (GRSPX)
American Century One Choice 2025 A (ARWAX)
American Century One Choice 2035 A (ARYAX)
Third Avenue International Value Instl (TAVIX)
The Cook & Bynum Fund (COBYX)
Muhlenkamp (MUHLX)
Fairholme (FAIRX)
Valley Forge (VAFGX)
Hussman Strategic Growth (HSGFX)
Hussman Strategic International (HSIEX)
AMG Managers Brandywine Advs Mid Cap Gr (BWAFX)
Royce Partners Svc (RPTRX)
Royce Premier Invmt (RYPRX)
Delafield Fund (DEFIX)
FpA Capital (FPPTX)
Paradigm Value (PVFAX)
Royce Low Priced Stock Svc (RYLPX)
Royce Micro-Cap Invmt (RYOTX)
Royce Select I Invmt (RYSFX)
Royce 100 Svc (RYOHX)
Royce Heritage Svc (RGFAX)
Royce Pennsylvania Mutual Invmt (PENNX)
Artisan Small Cap Value Investor (ARTVX)
Ave Maria Opportunity (AVESX)
Royce Global Value Svc (RIVFX)
Royce Select II Invmt (RSFDX)
Wintergreen Investor (WGRNX)
Of Royce's 27 funds, nine are Three Alarm.
Pacific Advisors has five Three Alarm Funds...they only offer six. From its website:

We are a family of six focused mutual funds, each designed to meet a different need and to complement each other when building a diversified investment plan. Whether you are just starting out in your career, or enjoying retirement today, we deliver top quality service and a wide range of investments to meet your changing needs.

Here is a snapshot (from MFO Premium beta site) of their lifetime performance:

Really horrible family of funds, seems to me. Why would anyone buy them?
Vanguard offers 150 funds. How many are on the Three Alarm list? None. I find that remarkable. How many are on the Honor Roll? 32. I find that remarkable too.
A look at just-turned-three Great Owls, finds:
Guinness Atkinson Dividend Builder (GAINX)
Rainier International Discovery Instl (RAIIX)
DFA World Core Equity Institutional (DREIX)
Seafarer Overseas Gr and Income Instl (SIGIX)
Wasatch Frontier Emerg Sm Countrs Inv (WAFMX)
PIMCO Total Return Active EtF (BOND)
AQR TM Large Cap Momentum Style I (ATMOX)
Vanguard Target Retirement 2060 Inv (VTTSX)
2060?!
A total of 8159 funds (oldest share class only, at least one year old) are included in this quarter's update.
We also updated the look a bit to support new site theme...here's example of Risk Profile output:

Enjoy.
c

FYI: Small-cap stocks make a big difference.
Regards,
Ted
http://www.marketwatch.com/story/how-to-double-your-target-date-retirement-funds-return-in-a-single-move-2015-04-09/print

http://www.sec.gov/Archives/edgar/data/1002624/000100262415000005/hsfstatutorysticker481-20154.htm
497 1 hsfstatutorysticker481-20154.htm
T. Rowe Price Health Sciences Fund
Supplement to Prospectus Dated May 1, 2014
Effective June 1, 2015, the T. Rowe Price Health Sciences Fund will be closed to new investors. Accordingly, the prospectus is updated as follows.
Under “Purchase and Sale of Fund Shares” in section 1, the following is added:
Subject to certain exceptions, the fund will be closed to new investors and new accounts after the close of the New York Stock Exchange on June 1, 2015. Investors who already hold shares of the fund after June 1, 2015, may continue to purchase additional shares.
Under “More Information About the Fund and Its Investment Risks” in section 3, the following is added:
Subject to certain exceptions, the fund will close to new investors and will no longer accept new accounts after the close of the New York Stock Exchange (normally 4 p.m. ET) on Monday, June 1, 2015.
Additional share purchases are permitted for investors holding shares of the fund directly with T. Rowe Price at the close of the New York Stock Exchange on June 1, 2015, as well as for participants in an employer-sponsored retirement plan where the fund serves as an investment option. New T. Rowe Price IRAs in the fund may be opened only through a direct rollover from an employer-sponsored retirement plan. Investors already holding shares through intermediaries generally will be able to purchase additional shares. If permitted by T. Rowe Price, fund shares may also be purchased by new investors in intermediary wrap, asset allocation, and other advisory programs when the fund is an existing investment in the intermediary’s program. If you are purchasing shares through an intermediary, check with the intermediary to confirm your eligibility to purchase shares of the fund.
The fund’s closure to new investors does not restrict existing shareholders from redeeming shares of the fund. However, any shareholders who redeem all fund shares in their account would not be permitted to purchase additional shares until the fund is reopened to new investors. Transferring ownership to another party or changing an account registration may also restrict the ability to purchase additional shares.
The fund reserves the right, when in the judgment of T. Rowe Price it is not adverse to the fund’s interests, to permit certain types of investors to open new accounts in the fund, to impose further restrictions, or to close the fund to any additional investments, all without prior notice.
The date of this supplement is April 8, 2015.
F114-041 4/8/2015
--------------------------------------------------------------------------------

Investing, be it money and/or time is to obtain a personal goal, yes?
TIME investing:
I spent a fair amount of time investing in a particular educational path.
I wanted to have the ability to be within a work area that I enjoyed and that would also provide a "decent" livelyhood.....wage.
That did happen (the career); but I was not part of a union workforce, and I knew at a young age that I would not have a bountiful pension program that was very evident in a large, union wage state as Michigan was during my work period. I would not have any health benefit, nor a cost of living index attached to my retirement.
I/we knew we would and should be prepared to provide for ourselves monetarily in the future; for any shortcomings or unknowns from any other income source. We did not and still do not have any rich relative who will be dropping a boatload of money into our laps upon their passing; and we still have not had the big win in the lotto.
MONETARY investing:
From the above arose active investing of our monies that were in excess of our needs from our budget.
As to active investing, well, as @Old_Joe noted too; I don't know what else one could name the direct involvment of investing; other than one being active. One decides; plain and simple about how to guide the monies, eh?
When I use the word "active" here, it is only in the sense of being involved with the decision of "what" for an investment. We're not very fussy about the sector(s) where the capital appreciation arrives. We have active, passive and etf's.
Take care,
Catch

http://www.sec.gov/Archives/edgar/data/1396092/000120928615000184/e1618.htm
497 1 e1618.htm
LEADSMAN CAPITAL STRATEGIC INCOME FUND
Supplement dated April 7, 2015
to the Prospectus and Statement of Additional Information
each dated September 15, 2014
The Board of Trustees (the “Board”) of World Funds Trust (the “Trust”) has approved a Plan of Liquidation (the “Plan”) relating to the Leadsman Capital Strategic Income Fund (the “Fund”), effective April 7, 2015. Leadsman Capital LLC, the Fund’s investment adviser (the “Adviser”), has recommended to the Board to approve the Plan based on its representations of its inability to market the Fund and the Adviser’s indication that it does not desire to continue to support the Fund. As a result, the Board has concluded that it is in the best interest of the Fund’s shareholders to liquidate the Fund.
In connection with the proposed liquidation and dissolution of the Fund called for by the Plan, the Board has directed the Trust’s principal underwriter to cease offering shares of the Fund immediately as of the date of this Supplement. Shareholders may continue to reinvest dividends and distributions in the Fund or redeem their shares until the liquidation.
It is anticipated that the Fund will liquidate on or about April 7, 2015. Any remaining shareholders on the date of liquidation will receive a distribution of their remaining investment value in full liquidation of the Fund. If you have questions or need assistance, please contact your financial advisor directly or the Fund toll-free at 1.800.673.0550.
IMPORTANT INFORMATION FOR RETIREMENT PLAN INVESTORS
If you are a retirement plan investor, you should consult your tax advisor regarding the consequences of any redemption of Fund shares. If you receive a distribution from an Individual Retirement Account or a Simplified Employee Pension (SEP) IRA, you must roll the proceeds into another Individual Retirement Account within sixty (60) days of the date of the distribution in order to avoid having to include the distribution in your taxable income for the year. If you receive a distribution from a 403(b)(7) Custodian Account (Tax-Sheltered account) or a Keogh Account, you must roll the distribution into a similar type of retirement plan within sixty (60) days in order to avoid disqualification of your plan and the severe tax consequences that it can bring. If you are the trustee of a Qualified Retirement Plan, you may reinvest the money in any way permitted by the plan and trust agreement.
This Supplement, and the existing Prospectus dated September 15, 2014, provide relevant
information for all shareholders and should be retained for future reference. Both the
Prospectus and the Statement of Additional Information dated September 15, 2014 have
been filed with the Securities and Exchange Commission, are incorporated by reference,
and can be obtained without charge by calling the Fund toll-free at 1.800.673.0550.

@ Catch & John - I found the list of Googled articles to have some fairly misleading titles. However, once one starts reading the articles the truth starts to surface. The only tax issue to holding an MLP in an IRA account has to do with UBTI or UBIT (unrelated business tax income) in excess of $1000/year. If your MLP reports UBTI greater than this your IRA, not you, will have to declare and pay the required tax. Your brokerage firm completes the required forms and may charge you for this service.
Having owned multiple MLP's in my retirement IRA's for over 10 years now I have never seen a positive UBTI much less one over $1000. In fact, as one article mentioned, TurboTax actually kicks the K-1 out of tax reporting if you state that the MLP is held in a retirement account. Do consult with your accountant or tax preparer and you should find that there are no issues.

Mulder,
Since you are considering VASVX, you might want to look into VMVAX for the following reasons.
1. VMVAX is more of pure mid cap value fund. 36% of VASVX is large cap.
2. VIMAX has superior 1 and 3 year returns and while Admiral shares have not not been in existence for 5 years, VMVIX has better 5 year returns.
3. VMVAX has an expense ratio of 0.09%. VASVX has an expense ratio of 0.41%.
While I think VASVX is a fine actively managed fund, I believe that is primarily attributable to Jim Barrow, its lead manager and secondarily, Mark Giambrone, both of Barrow, Hanley, Mewhinney & Strauss. Jim will be 75 in the next few months and in preparation of his eventual retirement, Vanguard has has added two fund advisers (Donald Smith & Co and Pzena Investment Management), which I feel dilutes the good ideas from Barrow and Giambrone.
Mona

FYI: Retirement-oriented managers take top awards; other victors include American Funds, Oakmark and Lord Abbett.
Regards,
Ted
http://www.investmentnews.com/article/20150331/FREE/150339978?template=printart
Reuters Slant:
http://www.reuters.com/article/2015/04/01/funds-lipperawards-idUSL2N0WX1NN20150401

Based upon what I've seen over the years; that although Baird does have investor class shares, the majority of these funds ( I shares) that I have seen as portfolio choices were offerings inside of retirement plans, and that the "I" shares, being using by large institutions (pension funds, etc.)
I am aware of a large pension plan that will be replacing PTTRX at the end of April with the institutional class of the Baird intermediate term bond fund.
Another Pimco loss; although PTTRX is beating most of their related fund competition YTD.
Knee jerk stuff by managers (pension funds, etc.) , as was discussed here, last year.
@Mark . Agree. I was also trying to determine the value of a compare of HY funds to a more straight line bond fund. Oh, well.

@hank That's a pleasant way of looking at the situation. And it was pleasurable to note I have done pretty much the same thing, for the same reasons--- I just hadn't fully realized why until I read your comment! [I hope you are aware that, with such a temperament, you're gonna need an additional 5-10 yrs of living expenses in your retirement]

I own WAEMX in a retirement acct.@ Schwab. When trying to purchase additional shares this A M ,got this message.
This order cannot be placed. Please read the Order Verification message(s) below for assistance.
Order Messages
We cannot process your order because shares for this fund are only available to institutional customers.

Emerging Markets Small Cap Fund is open to direct purchases to new investors through Wasatch only.
http://www.sec.gov/Archives/edgar/data/806633/000119312515103112/d896282d497.htm
497 1 d896282d497.htm WASATCH FUNDS TRUST
WASATCH FUNDS TRUST
Supplement dated March 24, 2015 to the
Statement of Additional Information dated January 31, 2015
Investor Class
Wasatch Core Growth Fund® — Investor Class (WGROX)
Wasatch Emerging India Fund® — Investor Class (WAINX)
Wasatch Emerging Markets Select Fund® — Investor Class (WAESX)
Wasatch Emerging Markets Small Cap Fund® — Investor Class (WAEMX)
Wasatch Frontier Emerging Small Countries Fund® — Investor Class (WAFMX)
Wasatch Global Opportunities Fund® — Investor Class (WAGOX)
Wasatch Heritage Growth Fund® — Investor Class (WAHGX)
Wasatch International Growth Fund® — Investor Class (WAIGX)
Wasatch International Opportunities Fund® — Investor Class (WAIOX)
Wasatch Large Cap Value Fund® — Investor Class (FMIEX)
Wasatch Long/Short Fund® — Investor Class (FMLSX)
Wasatch Micro Cap Fund® — Investor Class (WMICX)
Wasatch Micro Cap Value Fund® — Investor Class (WAMVX)
Wasatch Small Cap Growth Fund® — Investor Class (WAAEX)
Wasatch Small Cap Value Fund® — Investor Class (WMCVX)
Wasatch Strategic Income Fund® — Investor Class (WASIX)
Wasatch Ultra Growth Fund® — Investor Class (WAMCX)
Wasatch World Innovators Fund® — Investor Class (WAGTX)
Wasatch–1st Source Income Fund® — Investor Class (FMEQX)
Wasatch-Hoisington U.S. Treasury Fund® — Investor Class (WHOSX)
This Supplement updates certain information contained in the Wasatch Funds Statement of Additional Information for Investor Class shares, dated January 31, 2015. You should retain this Supplement and the Statement of Additional Information for future reference. Additional copies of the Statement of Additional Information may be obtained free of charge by visiting our web site at www.WasatchFunds.com or calling us at 800.551.1700.
The last paragraph in the section entitled “General Information and History” in the SAI is hereby deleted in its entirety and replaced with the following:
The Emerging Markets Small Cap Fund, Frontier Emerging Small Countries Fund, International Growth Fund and Small Cap Growth Fund are each closed to new investors with the exception of: (1) investors who purchase shares directly from Wasatch Funds; (2) clients of all investment advisors with discretionary investment allocation programs where such advisors and programs had investments in the Fund prior to the Fund’s closing date; and (3) retirement plans and their participants where such plans had investments in the Fund prior to the Fund’s closing date.
PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE
Wasatch's web site: https://secure.wasatchfunds.com/Our-Funds.aspx

Crash -- ? wtf? DSENX is LV, the others are all moderate allocation, right?
I don't disagree that proper categorizing is pretty problematic for this rotating LV fund indexing some value-rotating ETN, but with secret sauce added via debt derivatives. If I have it right. LV seems not so wrong, though Lipper puts it as absolute return.
I am about to move quite a lot of retirement moneys (for me) into it, so that will guarantee it will drop.

Of course the return on cash is laughable, I've loaded up my max I-bonds for this year (which I like because of the tax-deferred nature, they make a good emergency fund.) I'm in my mid-40s and still have a ways to go until retirement - hopefully an early one - and I need a place to park cash since I'm a bit risk averse. And I have a lot of cash, way too much for an emergency fund.
So - more RPHYX? Maybe intermediate bond ETF like BIV? Switch my cash into large cap growth and transfer my 401k/IRA to be more heavily into bonds to avoid the tax on dividends (which I did with VIPSX years ago)?

Hi NumbersGal,
In the World Allocation space, I would take a serious look at MTOIX ($500 min in Fidelity retirement accounts + TF) and HCOYX ($100 min in Scottrade accounts + TF, $500 min in TDA retirement accounts + TF).
Kevin

FYI: Founded in 1937, T. Rowe Price Group (TROW) provides global investment management services to retail and institutional clients across the globe. T. Rowe Price Group offerings include sponsored mutual funds distributed in the United States. As well, the company offers investment portfolios such as sub-advised funds, separately managed accounts, target-date retirement trusts, collective investment trusts, a Luxembourg-based fund offered to investors outside the US, and portfolios offered through variable annuity life insurance plans in the US
Regards,
Ted
https://marketrealist.com/2015/03/t-rowe-price-group-750-billion-assets-management/
M* T. Rowe Price Fund Family: http://quicktake.morningstar.com/FundFamily/Snapshot.asp?Country=USA&Symbol=0C00001YZ8
T. Rowe Price Website: https://individual.troweprice.com/public/Retail?adcode=7208&PlacementGUID=6AC14F2B1CD24E679071DC6F825FACD7

I give How? save more, invest more, spend less...take your pick
I heard/read a new a new prescription for Retirement success "SIMPLIFICATION"
try it.....