3:03 am, March 5, 2015

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  • TSP Newsletter
    The latest TSP newsletter touts the advantages of investing in the L funds. It provides cursory examples of two hypothetical investors; one invsested in the new and historically data lacking L fund, and the other is an extreme scenario of the buy high sell low investor. I believe its author(s) should be reprimanded. The reader walks away thinking that the L fund is the better option. However, there is no real historical data that supports investing in the L fund. Furthermore, the newsletter states that the C fund recovered 26.88% in 2009 after a loss of 36.99% in 2008. What the newsletter does not tell the reader is how the C fund 10 years later is still below the level it was in January 2000. BE MORE CAREFUL ABOUT WHAT YOU PUT INTO THAT NEWSLETTER!!! You are talking about people's retirement income and you certainly have a high degree of responsibility that maybe you do not take seriously. Are having lunch with Wall Street players?
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • TSP lies
    typical guy
    This L fund that the TSP is constantly touting is okay if you want to put your money on auto-pilot. It's a mistake to think that this money is safe because it is managed based on a pre-set schedule regardless of what happens in the market. The regular index funds should also not be set to "let it ride". The low TSP cost is usually touted as the reason why it's great but those more expensive 401k's have managers that will move money around when necessary. It's very important to protect your retirement. It's not rocket science to protect your money. You obviously want to "sell high and buy low". How do you do this? It's not easy and you shouldn't even try to sell at the top and buy at the bottom. What is easy to know is that we're in a recession. As an example, when the DOW was at 14,000 I was invested. It dropped to 12,000 and the recession had no end in sight, I moved all my money to the G fund. When the DOW hit 9,000 I moved it back to stock funds. Then the market crashed down to the 6,000's and finally went up to (currently) 11,000. If you $100 in the market and it went from 12,000 to 9,000 then you're down to $75. If the market then falls to 6,000 then you're down to $50. If the market then recovers to 12,000 you have your $100 back. If the market is at 12,000 and you have your money in the G fund then put it in the stock at 9,000 you still have your $100. Then the market goes to 6,000 so your money is now at $66 then it recovers to 9,000 and your money is back to $100. Once the market recovers to 12,000 you now have $133. I know that was long and convoluted but the point is obvious. You don't have to hit the very top and bottom. We could all see the market crashing. The key was to sell ANYWHERE on the way down and buy ANYWHERE on the way up (as long as you don't wait till it's past where you sold). Even if you sold at DOW 12,000 and bought back at DOW 11,000, that's 1/12 less loss (and subsequent gain when it recovers).
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • 3 Steps to a Million $$$ TSP Account
    Celtic Wolf
    I have been in TSP (as a CSRS employee) since the beginning in the 1980s. When the L fund get started I put a great deal of money into it, and then when all went south lost a great deal as did many others. Now I am in the G fund and being very cautious (especially as I near my retirement). I have about $200k in the TSP, and expect a monthly (with spousal benefit) of about $900 or $1k a month. I know (or think) I may do better with other funds, but once burned adage comes into play. I empathize with those who lost, as well as those who can not afford to contribute the maximum amounts per pay period. TSP is a very personal and I guess emotional topic. For now I stay the L out of the L fund, the G am I glad I am in the G fund. As for the rest of the alphabet, I am one of little trust.
    Celtic Wolf
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • A million??
    To Mr. Boy who cried Wolf, You did NOT LOSE anything in the TSP. Your value went down (big difference). The G fund will not bring your value back. Only the stock funds will do that. Your CERS pension is similar to a bond fund. You need more risk to bring your value back. Every day you wait your losing more. Get back in the game. Biff CPA hoh 34+ MNM PuiPKI
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • What about DCS??
    "Over the last 10 years the G-fund and the much-neglected F-fund (bonds) have outperformed the stock-index C, S and I funds. But when the CSIs have a good year (like 30 percent returns) it can be a very good year" What about Dollar-Cost Averaging?? All we hear about is the absolute performance of the TSP funds, relative to a single point of time (10 years). These performance numbers are worthless for a 401k. Where are the numbers showing what would have happened if someone continued to put in $100 per pay into the C, S, or I funds versus the F and G funds during that period. Who would have come out better?
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }