The One-Fund Lazy Retirement Income Portfolio

Karen Foley/

A lazy retirement investor can sleep soundly with this single-fund strategy.

Investors that take a natural interest in the art of investing prefer to dedicate their time to being well-informed of new cutting edge investment themes, emerging trends, and economic prospects. But what about the retirement investor that doesn't have the predisposition for spending hours in front of a computer screen, researching and debating these important issues?

While I think that hiring an adviser may be an obvious choice for retirees in this category, I also think there are other viable options available. The crux of the issue is that a hands-off investor wants simplicity and ease of use, and while those basic goals could be easily achieved with myriad funds, I want to highlight a strategy that we own and implement for clients in our Strategic Income Portfolio.

Through our own independent research and due diligence as a risk manager, I have found that one of the best single funds to own for retirees seeking a modest income stream and a diversified exposure to the equity and fixed-income markets is the Vanguard Wellesley Income Fund (VWINX). I want to highlight this fund because I think it makes sense as both a portfolio building block, and as a stand-alone single-fund strategy.

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FMD Capital clients own Vanguard Wellesley Income Fund.


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