10:16 pm, April 24, 2015

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  • The first approach
    BeanerECMO
    what I've taken re: 401K (TSP-like). I maxed out my contribution for the pre-tax contribution; and I added another 5% post-tax IRA account. It's as several money managing gurus have said, "Give until it hurts, and save until it hurts." And, you make cuts in other parts of your budget (just like all levels of government should in planning for the future). Even in the financial downturn, in coordination with efforts between my money manager and me, financial hits against the principal have been avoided. The basic tenet of any investment is - DO NOT PANIC AND SELL. When one does, more often than not, it's too late, and unnecessary losses will be suffered. Besides, any number above the principal is not real anyway - that goes for homeowners as well. However, do this only if you're able.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Good Points
    Moderate
    If you leave out the nonsense in your second paragraph, you made some good points. I cannot afford the max and get no match, I have a reasonable pension. The TSP will act as a small supplement to my retirement. Wish I could have rothasized it years ago, but that was not available. I am also in the G fund as I have investments on the outside due to the tax advantages.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Ah yes,
    BeanerECMO
    Moderate and nonsense - a good pairing.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Ah yes
    Moderate
    Actually, your second paragraph is pure nonsense. it is a shame that you are incapable of presenting some good points without adding your stupid garbage about liberals who do not agree with you.--------You have always been a regressive. You learned how to read from sweatshop owners. They gave you a job of repressing mugging those who want to help real workers (among them are union people).------Guess beaner is full of beans among other things.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Encourage a Co-worker
    JBsPoint2Ponder
    Do your co-worker, especially the younger one, a big favor and encourage them to give at leat 5% to get the 5%.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Average TSP balance
    jimprideaux
    The statistic that the average TSP account balance for CSRS workers was $81,875.96 and the average TSP balance for FERS workers was $81,144.40 is misleading. It does not take into account time in service. For example: You have 1000 employees with 30 years in service and each have a $200,000 balance. Also you have 1000 employees who were just hired and made their first contribution of $100 or so. The simple average was that employees have an average account balance of about $100,000. It is this simple average that we have in the article. I would like to see a more meaningful statistic that was tied in with length of service or age.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Let's see the Median, not the Mean!
    RW
    It would be far more informative if we saw the Median instead of the arithmetical Average; i.e., what is the midpoint of all TSP totals? So, if you have a long tail either on the high or low side, the middle shows more effectively the Federal worker picture. Citing the Wikipedia article on median household income: '"The median household income is commonly used to generate data about geographic areas and divides households into two equal segments with the first half of households earning less than the median household income and the other half earning more.[1] The median income is considered by many statisticians to be a better indicator than the average household income as it is not dramatically affected by unusually high or low values." ' So, if statistically, the median is considered a better indicator, why are these articles ONLY citing the mean account figures?
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • TSP Millionaire's
    bundies
    The people that want more control of their investments are the same people that wanted Social Security invested in the stock market. Since the mid decade depression we haven't heard from them. Maybe they realize that there is a difference between saving for retirement and taking your bank roll to Vegas.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
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