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Asset Allocation & Rebalancing of a 529 Index Fund Portfolio

Vanguard 529 Index Fund Portfolio Performance for November 2012

Posted on | December 30, 2012 | No Comments

Here is the performance of our Vanguard 529 portfolio for the month of November 2012.

The allocation on 30-Nov-2012 is as follows:

30-Nov-12
Vanguard Total International Stock Index Portfolio
 37.11%
Vanguard Total Bond Market Index Portfolio
 14.46%
Vanguard High-Yield Bond Portfolio
 16.04%
Vanguard Small-Cap Index Portfolio
 16.29%
Vanguard Total Stock Market Portfolio
 16.10%
Total 100.00%

 

The bond funds are starting to lose ground, which means money is coming out of the bond funds and going into the equity funds. The international fund is up nicely, making its way back to 40% of the portfolio holdings.

Below is the performance of the funds last month (Oct. 31 – Nov. 30). The portfolio as a whole was up +1.09%.

  • Vanguard Total International Stock Index (VGTSX):
 +1.80%
  • Vanguard Total Stock Market Index (VTSMX):
 +0.72%
  • Vanguard Small-Cap Index (NAESX):
 +1.14%
  • Vanguard High-Yield Bond (VWEHX):
 +0.63%
  • Vanguard Total Bond Market Index (VBMFX):
 +0.19%

 

Here is the performance of our two benchmarks for the month of November 2012:

  • Growth Fund of America (CGFAX): +2.08% (without fees)
  • Oppenheimer Blended Age-Based 0–6 Years Portfolio: +1.15%

 

Here is  how the overall market performed between Oct. 31, 2012, and Nov. 30, 2012. The performance of the different indices varied greatly last month.

  •  S&P 500
 +0.28%
  •  Dow Jones
 -0.54%
  •  NASDAQ
 +1.11%

I think the market conditions helped CGFAX last month. When you see wide variations in index performance, you are usually in a “stock pickers” market. CGFAX had the right selection of stocks last month.  Below is CGFAX’s top 10 holdings as of last September.  YTD performance is as of Dec. 28, 2012.

 

Check out the performance page; our Vanguard portfolio and the Oppenheimer Blended Age-Based portfolio still are essentially tied, but our Vanguard has a slight lead. Here is a link to the performance page.

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