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Do Your Emotions Dictate Your Retirement Investments?

Sound Advice

Maintenance
NPS
Fri Jul 13, 2007 11:03 PM

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I read many articles about what is happening & what might happen as a result of this or that. And to date I have been very lucky as my annual returns have averaged just below 15% combined. Diversify but stay on top of this Quarterly. In Feb just eh day before the big nosedive I pulled out of the stock market by about 60% & so I have missed both the downturn & the upturn by a fair margin this time. Still I have done well in the I & the S Fund & some in the C Fund. My money is up for the year to date.

That's OK. I would be really scared to purchase more of any C or S Funds right now as the cost has run up so much that I would be spending a lot on the equities. And given that summer usually is a rest time for Indexes, I am OK with my decision to maintain a small amount, roughly 40% in Index Stock Funds within the TSP.

I do invest outside also & there too my returns have done very well. Rest easy, the Fall will come & if the elections next year don't scare Wall St, we'll do good again.

Needed information when stock rises and drops

Equal Opportunity Asssistant
Department of Education Office for Civil Rights
Wed Aug 1, 2007 8:43 AM

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This is my first time really paying attention to the stocks and my investments. I always move my stock because the market is climbing or losing. The article helped me to make a better decision. The article was very interesting.

Thank you!

Flight to safety

GOV WORKER
DOD
Mon Aug 13, 2007 8:00 AM

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I took the flight to safety in Feb. It was a short stay, as I bought back in before the market went up. I recently saw the market go down and bought more. The subprime scare is such a small portion of the overall market to sell based on that reporting is unwise, if not foolish. My time horizon is longer than that of someone facing retirement in the near future. So I will continue to stay as diversified as possible in the funds, dollar cost average.

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