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VLAAX
Jun 5, 2021 2:22:38 GMT
Post by Bobpa on Jun 5, 2021 2:22:38 GMT
Anyone still holding a position in VLAAX?
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VLAAX
Jun 5, 2021 20:14:43 GMT
Post by jongaltiii on Jun 5, 2021 20:14:43 GMT
Sold it earlier this year. Bought some FMSDX instead and added some to FBALX. Very glad I did. These two have much better ER as well.
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VLAAX
Aug 17, 2021 15:43:13 GMT
Post by shipwreckedandalone on Aug 17, 2021 15:43:13 GMT
Many investors are shunning VLAAX in various investing forums since scaling back their risk level during 2020 which affected returns. However, during the mid July 2021 swoon it drew down only 16% of the SPY while returning 56% of the SPY since the swoon. IMO important to measure PM performance thru an entire business cycle. If you want high octane on the upside you normally get high octane on the downside except the elite PM's.
Not a recommendation.
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Post by racqueteer on Aug 17, 2021 16:36:56 GMT
To that point, and related also to the discussion of FMSDX:
FMSDX is actually LOWER during this period. In comparison, VLAAX leads even PRWCX.
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Post by acksurf on Aug 17, 2021 16:37:57 GMT
I like balanced funds personally - as they me from putting money under my mattress. I decided VLAAX was more volatile than I wanted for a "steady eddy" allocation fund. I've been happy with American Funds Balanced and Vanguard Tax Managed Balanced. I also have a position Fidelity Multi-Asset that I am still unsure about. I still have 10-15 years until retirement so not looking for income just a way to cut down volatility and a way to stay fully invested
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VLAAX
Aug 17, 2021 16:54:37 GMT
Post by jongaltiii on Aug 17, 2021 16:54:37 GMT
Good share on VLAAX and FMSDX. I sold my position in VLAAX in the spring in Feb as it was lagging other fine AA funds. racqueteer -appreciated seeing that chart of recent performance. On my watchlist with random YTD plots it shows: YTD Perform 4/30/21: 2.27% VLAAX vs. 11.35% FMSDX vs. 9.16% FBALX 6/25/21: 3.13% VLAAX vs. 13.26% FMSDX vs. 10.86% FBALX 8/05/21: 7.28% VLAAX vs. 13.39% FMSDX vs. 12.24% FBALX So that corresponds with the recent improvement by VLAAX. I'm still happy with my FBALX and FMSDX performance and will keep an eye on all 3.
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VLAAX
Aug 17, 2021 17:12:44 GMT
Post by racqueteer on Aug 17, 2021 17:12:44 GMT
I sold my position in VLAAX in the spring as it was lagging other fine AA funds. racqueteer -appreciated seeing that chart of recent performance. On my watchlist with random YTD plots it shows: YTD Perform 4/30/21: 2.27% VLAAX vs. 11.35% FMSDX vs. 9.16% FBALX 6/25/21: 3.13% VLAAX vs. 13.26% FMSDX vs. 10.86% FBALX 8/05/21: 7.28% VLAAX vs. 13.39% FMSDX vs. 12.24% FBALX So that corresponds with the recent improvement by VLAAX. I'm still happy with my FBALX and FMSDX performance and will keep an eye on all 3. Yeah, I did the same with VLAIX and then FMSDX when they faltered respectively. My horses have been PRWCX and FBALX; which haven't always both hit it out of the park, but HAVE moved steadily lower-left to upper-right. The other two DID stumble significantly, and were it not for that huge (4%) jump you're showing for VLAAX 6/25 to 8/5, the chart would look quite a bit different. I wonder what the specifics were on that; 'junkier' bonds, maybe? Certainly SOMETHING different than its peers.
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Post by anitya on Aug 17, 2021 20:36:19 GMT
The following is not a commentary on other posts in this thread - I could have as easily said in any thread.
My 2 cents FWIW -
Trading based on short term price actions and charts is not for everybody: whether you are trying to trade funds or something else. You have to be able to change your mind very quickly and potentially based on information that you do not have. May be you bought and the price action went against you or you sold and the price action went in the opposite direction after you sold. For the rest of us, it is better to go through the laborious process of reading and re-reading fund information and understanding what we are buying and holding until our thesis changes or new information comes to light.
Whenever I made sell choices based on short term price action, I made poor choices, even if I am overlaying price action over my fundamental analysis. That does not mean it does not work for others. IMO, knowing oneself (i.e., what works for one) is more important than finding the next hot fund or trying to avoid the next market crash.
Occasionally, I mention about buying an experimental position which is the same as putting it on a watch list for others. My level of engagement (i.e., learning) depends on whether I am just reading other people's comments on a fund, putting it on a watch list, or putting in money as an experiment. For my temperament, the first two activities only remind me of the existence of a fund, even if I am watching its price action every day. Putting money makes me pick up on things about a fund I would have otherwise missed. Luckier investors do not need to go through that laborious process - they can just look at charts and play. I am just working with my limitations, with a goal of continuous improvement. May be one day I too will be an investing Rockstar who just looks at charts and I hope to remember my then former self with no contempt.
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VLAAX
Aug 17, 2021 20:49:49 GMT
Post by FD1000 on Aug 17, 2021 20:49:49 GMT
Music to my ears, use momentum and switch from lagging funds to better performing funds. From memory, VLAIX (vs PRWCX+FBALX) has lower % in stocks(about 10% lower). It has higher-rated bonds = lower performance YTD. FMSDX is a multi-adjusting-asset="Allocating the fund's assets among equity and debt securities, including common and preferred stock, investment-grade debt securities, lower-quality debt securities (those of less than investment-grade quality, also referred to as high yield debt securities or junk bonds), floating rate securities, and convertible securities. Investing in domestic and foreign issuers. Allocating assets across different market sectors and maturities. Analyzing a security's structural features and current pricing, its issuer's potential for success, and the credit, currency, and economic risks of the security and its issuer to select investments. Adjusting allocation among asset classes to take advantage of short-term market opportunities and strategic, longer-term opportunities" So, as long as risk is on + higher-rated bonds are not doing well, VLAIX will lag. Already in 12/04/2020 ( link) I pointed out "VLAIX is another good allocation fund but in the last 3 months PRWCX passed it by over 3-3.5%" Momo can be practiced every 6-9 months. PRWCX manager, Giroux, is one of the best ever.
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VLAAX
Aug 17, 2021 20:51:20 GMT
Post by anitya on Aug 17, 2021 20:51:20 GMT
I think folks that sold VLAIX last year based on Q2 fund manager commentary were justified, even if the manager turned out to be correct in their outlook and those shareholders turned out to be wrong. In this instance, the shareholders turned out to be correct in their assessment.
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Post by shipwreckedandalone on Aug 18, 2021 1:20:13 GMT
Which should you rely on? short term performance or long term? The same PM for YTD and 15 year returns. Or should we just chase the hottest thing going? VWINX is 51 percentile YTD. An average fund YTD in their category. Should we sell it? VLAAX YTD Percentile rank 93 out of 703 3 Year 7 out of 653 5 Year 9 out of 591 10 Year 5 out of 423 15 Year 8 out of 317 (the rest of them gave up)
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VLAAX
Aug 18, 2021 3:50:59 GMT
Post by jongaltiii on Aug 18, 2021 3:50:59 GMT
Which should you rely on? short term performance or long term? The same PM for YTD and 15 year returns. Or should we just chase the hottest thing going? VWINX is 51 percentile YTD. An average fund YTD in their category. Should we sell it? VLAAX YTD Percentile rank 93 out of 703 3 Year 7 out of 653 5 Year 9 out of 591 10 Year 5 out of 423 15 Year 8 out of 317 (the rest of them gave up) I mean … you make an excellent point there. I’m out of the position as of Feb… but it’s a fair point. I’m having the same discussion with myself on FSEAX…perhaps I’ll give it some time to recover to its LT median.
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VLAAX
Aug 18, 2021 4:24:47 GMT
Post by shipwreckedandalone on Aug 18, 2021 4:24:47 GMT
jongaltii, do what is best for you and your family my friend Just a topic of conversation.
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VLAAX
Nov 15, 2021 20:04:42 GMT
Post by alvinthechipmunk on Nov 15, 2021 20:04:42 GMT
VLAAX: That WAS going to be the rollover T-IRA destination for my wife's old 403b money. But they took so long, like FOREVER, to respond, we just gave up. Service matters to me. That was not a good start. So, VLAAX holds exactly ZERO of our money... We put it in BRUFX, instead.
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VLAAX
Nov 15, 2021 21:10:28 GMT
Post by yogibearbull on Nov 15, 2021 21:10:28 GMT
BRUFX is a controversial idea from the past. It has a very thin management bench, no 3rd party brokerage availability, transactions still via US Mail, and is under steady redemption. While popular at one time, search on BRUFX produces 0 results at various sites (3 I checked).
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Post by jongaltiii on Nov 15, 2021 23:59:21 GMT
Good share on VLAAX and FMSDX. I sold my position in VLAAX in the spring in Feb as it was lagging other fine AA funds. racqueteer -appreciated seeing that chart of recent performance. On my watchlist with random YTD plots it shows: YTD Perform 4/30/21: 2.27% VLAAX vs. 11.35% FMSDX vs. 9.16% FBALX 6/25/21: 3.13% VLAAX vs. 13.26% FMSDX vs. 10.86% FBALX 8/05/21: 7.28% VLAAX vs. 13.39% FMSDX vs. 12.24% FBALX So that corresponds with the recent improvement by VLAAX. I'm still happy with my FBALX and FMSDX performance and will keep an eye on all 3. Circling back to this comparison. VLAAX still trailing and by quite a bit. YTD Perform 4/30/21: 2.27% VLAAX vs. 11.35% FMSDX vs. 9.16% FBALX 6/25/21: 3.13% VLAAX vs. 13.26% FMSDX vs. 10.86% FBALX 8/05/21: 7.28% VLAAX vs. 13.39% FMSDX vs. 12.24% FBALX 11/15/21: 10.71% VLAAX vs. 18.54% FMSDX vs. 18.26% FBALX
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