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Investing Newsletter, Top Mutual Funds, Mutual Fund Ratings

Top No-Load Mutual Funds Model Portfolios

Every Quarter We Update Our Model Portfolios of Best Performing No-Load Mutual Funds, Fidelity Mutual Funds, and Vanguard Mutual Funds. Besides possible changes in Asset Allocation, we let you know of any new funds to buy for your portfolio, or previous funds to sell from your portfolio. Here are our portfolios for July of 2005.

All Funds Model Portfolio

% Return

Conservative

Insightful

Fund Name

Symbol

Type

1 Yr

3 Yr

Taxable

IRA/401K

Taxable

IRA/401K

PIMCO Low Duration D

PLDDX

STB

2.44

3.12

20%

15%

15%

10%

PIMCO Total Return Mortgage D

PTMDX

IGB

5.97

4.94

10%

10%

10%

10%

Westcore Flexible Income

WTLTX

HYB

10.35

10.99

10%

10%

10%

10%

*Third Avenue Real Estate Value

TAREX

RE

30.93

23.00

10%

10%

10%

10%

Neuberger Berman Real Estate

NBRFX

 

33.60

23.40

 

 

 

 

Alpha Hedged Strategies

ALPHX

Hdg

13.44

-

0%

5%

5%

5%

*Julius Baer International Equiy

BJBIX

Intl

19.33

15.34

5%

5%

5%

10%

UMB Scout WorldWide

UMBWX

 

16.58

12.51

 

 

 

 

Selected American Shares

SLASX

LCC

8.83

11.31

5%

5%

5%

5%

TCW Galileo Dividend Focused N

TGIGX

LCV

14.72

13.75

5%

5%

5%

5%

Kinetics Paradigm

WWNPX

MCC

27.44

22.17

0%

5%

5%

5%

RS Value

RSVAX

MCC

34.09

30.19

5%

5%

5%

5%

Artisan Mid Cap Value

ARTQX

MCV

27.52

21.71

5%

5%

5%

5%

*RS Partners

RSPFX

SCC

26.15

28.98

5%

5%

5%

5%

Pennsylvania Mutual Inv

PENNX

 

13.94

14.91

 

 

 

 

Third Avenue Small-Cap Value

TASCX

SCV

14.79

15.24

5%

5%

5%

5%

Your Money Mkt or Tax Exempt Money Mkt

MM TEMM

n/a

n/a

15%

10%

10%

10%

 

 

 

 

 

100%

100%

100%

100%

Fidelity Investments

Return %

Conservative

Insightful

Fund Name

Symbol

Type

1 Yr

3 Yr

Taxable

IRA/401K

Taxable

IRA/401K

Short-Term Bond or

FSHBX

STB

2.96

3.71

20%

20%

15%

15%

Spartan Short-Interm Muni

FSTFX

STMB

2.93

2.85

 

 

 

 

Mortgage Securities

FMSFX

IGB

5.38

4.68

5%

5%

5%

5%

Capital & Income

FAGIX

HYB

14.16

21.35

5%

5%

10%

10%

Strategic Income

FSICX

MSB

11.78

12.45

10%

10%

10%

10%

Real Estate Investments

FRESX

RE

34.53

20.98

10%

10%

10%

10%

International Discovery

FIGRX

Intl

14.61

14.05

10%

10%

10%

10%

Contrafund

FCNTX

LCB

11.94

11.53

10%

10%

10%

10%

Value

FDVLX

MCV

16.39

14.61

5%

10%

10%

10%

Small Cap Independence

FDSCX

SCC

13.02

9.69

10%

10%

10%

10%

Cash Reserves or

FDRXX

MM

1.86

1.29

15%

10%

10%

10%

Spartan Muni Money

FIMXX

TEMM

1.58

1.14

 

 

 

 

 

 

 

 

 

100%

100%

100%

100%

Vanguard

 

 

Return %

Conservative

Insightful

Fund Name

Symbol

Type

1 Yr

3 Yr

Taxable

IRA/401K

Taxable

IRA/401K

Short-Term Corp

VFSTX

STB

3.09

3.73

15%

20%

15%

15%

Ltd-Term Tax-Ex

VMLTX

STMB

2.61

2.61

 

 

 

 

GNMA

VFIIX

IGB

6.10

4.56

10%

10%

10%

10%

High-Yield Corporate

VWEHX

HYB

8.42

9.49

10%

10%

10%

10%

REIT Index

VGSIX

RE

32.18

19.96

10%

10%

10%

10%

International Value

VTRIX

Intl

14.94

12.72

10%

10%

10%

10%

Windsor II

VWNFX

LCV

13.80

11.46

10%

10%

10%

10%

Strategic Equity

VSEQX

MCC

16.37

16.88

10%

10%

15%

15%

Explorer

VEXPX

SCG

8.89

12.62

10%

10%

10%

10%

Prime Money Mkt or

VMMXX

MM

1.96

1.33

15%

10%

10%

10%

Tax Exempt Money Mkt

VMSXX

TEMM

1.73

1.26

 

 

 

 

 

 

 

 

 

100%

100%

100%

100%

* Funds Closed to New Investors.

 

Portfolio Changes For 3rd Quarter 2005

There are several changes to our Recommended Fund List and All Funds Model Portfolios this quarter.

First of all, Third Avenue Real Estate Value (TAREX) and Julius Baer International Equiy (BJBIX) have closed to new investors. While you should stay invested in these funds if you already are, we have added Neuberger Berman Real Estate (NBRFX) and UMB Scout WorldWide (UMBX) for those of you looking to invest new money into Real Estate Funds and International Funds.

We have eliminated Neuberger Berman Fasciano (NBFSX) from our recommended list because we have been disappointed with its performance over the last year. In addition, we have replaced the Royce Micro Cap (RYOTX) and Royce Premier (RYPRX) with the Royce managed Pennsylvania Mutual Fund (PENNX). This fund uses a style that is a blend of the two funds it is replacing and gives the manager the flexibility to take advantage of both small cap and micro cap companies.

In addition, our recommended list now includes TCW Galileo Dividend Focused (TGIGX) as an additional Large Cap Value choice, and Kinetics Paradigm (WWNPX) and RS Value (RSVAX) in the Mid Cap Core category.

Asset Allocations For 3rd Quarter 2005

Starting off the second half of 2005, we have Increased our equity allocation by taking 5% of our Insightful Portfolio from High Yield Bonds and moving that to Mid Cap Funds which we feel are likely to outperform both Small Cap Funds and Large Cap Funds through the rest of this year. There have been no changes to our Conservative Portfolio Asset Allocations.

Insightful Model Portfolio Asset Allocation

Insightful Investing Conservative Portfolio Asset Allocation

 

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