Readers' Comments
Total Comments: 18
Page 2 of 3
Page 2 of 3
TSP Interfund Transfers Soar in January
Total Comments: 18
Page 2 of 3
Page 2 of 3
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| Close | Change | YTD | |
| G | $12.7116 | +0.0013 | +3.51% |
| F | $12.1775 | +0.0497 | +2.07% |
| C | $9.4002 | -0.9235 | -43.24% |
| S | $10.4051 | -1.2566 | -47.42% |
| I | $12.2414 | -0.9997 | -50.56% |
| Close | Change | YTD | |
| L 2040 | $11.1768 | -0.8749 | -38.72% |
| L 2030 | $11.4481 | -0.7783 | -34.24% |
| L 2020 | $11.8446 | -0.6618 | -28.86% |
| L 2010 | $13.2444 | -0.3625 | -14.33% |
| L Income | $12.4113 | -0.2200 | -7.86% |
December 2, 2008
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recession
fs
Thu Feb 28, 2008 5:50 PM
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I think folks are looking at the big financial picture: outsourcing jobs, the national debt, the mortgage industry/housing market/buliding trades fiasco, crude prices, the disparity in income growth between the top 1% and the middle class and making decisions based on those factors. It seems that the stock market is being artificially stabilized by the economic stimulus plan and falling prime rates. Those of us choosing G and F are afraid the housing crisis will continue and deepen, as will income disparity and that the stimulous and prime rates will be insufficient to halt a recession. Could it be the stimulus and prime rates are signals the threat of resession is dire and is investing in G and F a viable hedge against loosing out under those market conditions?
Buy high, sell low
DoD Navy
Fri Feb 29, 2008 7:40 AM
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Those who transferred their funds within the last few months have been buying high and selling low, exactly the opposite of what you want to do.
If you feel you must change your contribution allocation in reaction to the market, change how you contribute, don't shift funds.
So, if I feel the market is crashing I could change my contributions to 100% G fund, but leave the existing balance alone.
TSP Transfer Funds
DOD Civilian
Fri Feb 29, 2008 12:53 PM
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I have been reading your page some time, and heeded your advice on knee jerk fund transfers. Back on 16 July 07 my funds had hit its all time high in the L fund. On 4 September 07 it had dropped by $5164.00. I finally regained my loses on 26 FEB. 08. After some thought I transfered my funds to the G fund. Today the 29th of FEB. the stock market is over 200 points down. In the G fund at least I will be gaining a little with my monthly contributions. I can't handle this roller coaster. Any idea when a little stabilization will hit the market?
TSP Investing For Long Haul Advice
DoC
Fri Feb 29, 2008 8:20 PM
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My advice is, just don't look at your TSP - not each day, each week, or each month. All that does is generate panic in down turns and euphoria in upturns. Look at it once or twice a year, at most. Get in an L fund and stay there.
Avoid having to depend totally on your TSP during retirement for income! Have other dependable savings and investments too (but not Social Security, which has been transformed into a fancy welfare system due to the WEP and GPO). It's necessary to live on less and save the rest!
Keeping up with the TSP returns generates just too much emotion for the average person to deal with when lots of money is at stake. Read the books by John Boogle and learn about "the return to the mean" principle and diversification through asset allocation.
My younger brother is a professional investment manager and tax expert with millionaires for clients. He says the same thing -- for the average person, "just don't look at it!"
limits on TSP trades vs ...
FAA
Sun Mar 2, 2008 3:21 AM
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I have sat back and said little while this debate has raged on but this morning on reading the comments of Mr Warren Buffett, i feel compelled to write in and share. clearly Mr Buffett knows what he is talking about and i feel that its not the trading thats costing us so much, its the fee's for the overhead staffing perhaps a few less board members and rule makers.
"Buffett adds that the presence of "layers of consultants and high-priced managers," or "helpers," at financial advisers and mutual funds is another factor pulling down returns for individual investors as well as pension plans"
Buy and hold will only cost you…
Labor
Mon Mar 3, 2008 8:59 AM
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Position yourself to take advantage of the sharp market fluctuations and make some money. It is not that hard to do. If you have bought the I fund at $21+ on Feb 7, 8, or 11 you could have sold it for $23+ plus share on Feb 27 or 28. What is a better opportunity to make some bucks? Well, you will have another chance soon. Watch!!!
Transferring on Dips
DoD
Mon Mar 3, 2008 9:30 PM
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I transfer funds from the G over into the stock funds when I see a few days of dips or a real big dip that occurs in one day. IF the market is down for the day at say 100-200 points before noon....it's nice to transfer some of the funds that are stashed in the G or F fund and buy on a dip - moreso with the S and I funds...but also C. The other day the I fund took a nasty hit...and it was down 2-3% all day....great day to get some money into it....while I may not get a bottom....the key is not paying for it when it's up too high. Buying more on dips works out great with index funds like we have in our TSP....but you can't look at the market if it's down 10 points and then transfer $$....it might be up 50 or more by the end of the day....if it's down pretty good for 2 hrs in the morning....chances are it will stay down for the whole day....the worse it is....the better.