457, which fund for good times, which one if bear market starts.

[Ben Hogan]

Just wondering what you guys think is the best if these are all that is available to me in a 457. What would you put in a Bull market, and which for Bear?

Thanks.


RAMS Aggressive Growth   
   
RAMS Capital Preservation   
   
RAMS Conservative   
   
RAMS Growth   
   
RAMS Moderately Conservative   
   
RAMS Signature Portfolio   
   
DFA Continental Small   DFCSX
DFA Intl Small Cap Value   DISVX
DFA Large Cap International   DFALX
DFA US Large Company Portfolio   DFUSX
Vanguard Total Stock Index   VTSMX
DFA US Large Value   DFLVX
Vanguard Wellington   VWELX
Blackrock Total Return Instl   MAHQX
DFA Commodity Strategy Portfolio Institutional   DCMSX
DFA Emerging Markets Core Equity I   DFCEX
Fidelity Government Money Market Fund   SPAXX
Vanguard Long Term Investment Grade Fund   VWESX
Vanguard Wellesley Income Fund   VWINX
Victory Fund For Income   VFFIX
Wells Fargo Stable Return Fund   WELLS4
Vanguard Short Term Bond Index   VBISX
DFA US Micro Cap   DFSCX
DFA US Small Company   DFSTX
DFA US Small Value   DFSVX

[Rob_bob]

The RAMS funds look like proprietary house funds, don't know anything about them.

Without spending too much time looking at the list, in a bull market you would be in small cap and large cap funds or a total market fund like VTSMX with a touch of foreign stock too.

In bear markets you go heavier to bonds/blended funds like VWESX and VWINX.

Look up the different funds and see what their asset allocations are.  You don't want too many funds or you will likely get too much overlap/duplication of holdings and only complicate things.  Think KISS  :)

[grantmeaname]

Do you have an investment policy statement?

[Ocinfo]

Your question and premise is flawed. One does not know when a bear or bull market is about to start or end so no way to select a fund. Let’s say you go all bonds thinking a bear market is about to happen, well you might end up being right but in the mean time stocks went up 20% and you lost out on gains. By the time you realize that the bear is over, you’ve missed out on half the gains.

Don’t make it complicated. VTSMX with however much bond makes you comfortable. VWELX is also a reasonable option if you are planning to have a 70/30 stock bond split or even more bonds.


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