Active Funds must have reasonable expenses and value-focused strategies—including the flexibility to keep higher cash balances when there aren’t any stocks worth buying from a value standpoint. We will also invest in flexible Bond Funds and Alternative Strategy Funds to mitigate risk. Any single fund should not comprise more than 10% of our overall portfolio. We will also use Morningstar.com’s portfolio X-ray to make sure we don’t have considerable overlap between funds. Remember, the perfect portfolio is still the one that you can stick with based on your own personal circumstances, risk tolerance, and time horizon.
Current Buy and Hold Funds:
| Fund Name | Ticker | Category |
| Vanguard Prime Money Market Fund | VMMXX | Money Market |
| TFS Market Neutral Fund | TFSMX | Market Neutral |
| FPA New Income Fund | FPNIX | Absolute Return – Bond |
| *Vanguard REIT Index ETF | VNQ | Real Estate – REITs |
| *Vanguard Global EX U.S. Real Estate ETF | VNQI | Foreign Real Estate – REITs |
| Vanguard Inter-Term Bond Idx Inst | VBIMX | Intermediate-Term Bond |
| Vanguard Total Stock Mkt Idx Inst | VITSX | Total Stock Market |
| Vanguard Total Intl Stock Mkt Idx Inst | VGTSX | Total Foreign Stock Market |
| Westwood Income Opportunity Fund | WHGIX | Balanced – Variable Mix |
| Berwyn Income | BERIX | Balanced – 30% Stock 70% Bond |
| Vanguard Wellington Admiral Fund | VWENX | Balanced – 65% Stock 35% Bond |
| FPA Crescent Fund | FPACX | Balanced – Variable Mix |
| Oakmark Equity & Income Fund | OAKBX | Balanced – 60% Stock 40% Bond |
* I cashed out of my Real Estate Holdings in January 2015 – felt they were too overvalued to hold – look to buy back in at lower prices.
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