Readers' Comments
Total Comments: 39
Page 3 of 4
Page 3 of 4
Back to the Future For Your TSP Funds
Total Comments: 39
Page 3 of 4
Page 3 of 4
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| Close | Change | YTD | |
| G | $13.2022 | +0.0012 | +0.63% |
| F | $13.5899 | +0.0037 | +1.91% |
| C | $13.6954 | +0.0597 | +3.61% |
| S | $17.9490 | +0.0599 | +9.04% |
| I | $18.4015 | +0.0123 | -0.73% |
| Close | Change | YTD | |
| L 2040 | $16.1183 | +0.0405 | +3.09% |
| L 2030 | $15.8887 | +0.0354 | +2.77% |
| L 2020 | $15.6748 | +0.0291 | +2.31% |
| L 2010 | $15.4271 | +0.0128 | +1.36% |
| L Income | $14.0583 | +0.0103 | +1.28% |
March 12, 2010
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Back to the Future For Your TSP Funds
VHA
Fri Nov 21, 2008 5:00 PM
Post Reply
You don't want to miss that rebound point! Ever drop a ball of lead - not much rebound. I suspect in this market that you'll be able to back in at the rebound point for quite a while - this economy isn't going anywhere until the housing market recovers
The article assumes that you didn't actively manage your investment. That you don't do your own research and just "go with the flow". It was pretty clear to me that here wasn't anything much holding this market up when I went 100% inot the G fund last November. Heaven knows if I could see it, it had to have been pretty obvious!
Risk avoider
Labor
Fri Nov 21, 2008 7:12 PM
Post Reply
I never thought I would see times like these. There is a lesson in there for all of us: investing involves real risk. Every penney you put in the "market" funds may yield a greater return than the sure thing fund, however, your funds may also vapoize. I still believe its worth the risk but I am being forced to adjust my time lines. This is not what I wanted to do, but what I am forced to do. I am much more humble than I was a year ago.
So How's That Buy and Hold Thing Working???
DOI
Sat Nov 22, 2008 12:48 AM
Post Reply
I NEVER bought into the "buy and hold" crap, and that's just what it is! What has happened over the last year proves it, but unlike every other time since 1980 when the market had a dramatic sell-off it came back and made new highs in 1-2 years, it will take WAY MORE than two years before we see new market highs this time, more like 5-10 yeas. Significant damage HAS BEEN DONE to the global markets.
I don't advocate jumping in and out on a regular basis either. But as is widely "preached" that the average person can't "time" the market IS NOT true either!!! There are many "free" sources to stay informed about the markets via the internet and media. It was obvious since Oct. 2007 something was "rotten" in the markets, and we had several warning signs starting in spring and summer 2008, way before the worst of the sell-off began, all signals to get OUT of stocks. In my IRA I was "short" Rydex 2 X inverse funds, making 2% gain for each 1% loss in the S&P and safely in the G Fund.
Re: So How's That Buy and Hold Thing Working???
dod
Sat Nov 22, 2008 9:12 AM
This is an emotional response to an intellectual situation. Most of those who have been bitten by the buy and hold concept have been bitten because they were using it wrong, not because the concept itself is flawed.
btw, some experts say it will take 1-2 years to recover. Some experts say 5. Some experts say something different yet. How do you know which experts are right when they say different things? The obvious conclusion is that many experts are wrong since their forecasts and predictions are all over the map. It's not wise to time the market when a great deal of information available to time the market is suspect.
Investments
DoD
Sat Nov 22, 2008 8:28 AM
Post Reply
The market will reach bottom when it falls within a reasonable Price/Earnings ratio. Having placed the nest egg in the G fund in Oct 07, I am buying S and I funds as the government is headed into a bigger debt position so the return on Treasuries may be headed further downward. If you have a 10 to 30 year time horizon then stocks are still a very good bet on new contributions.
Buy and Hope
USPS
Sat Nov 22, 2008 9:05 AM
Post Reply
Thanks for making me a buy and hope TSP police. Just thanks!
A Modified Buy And Hold Strategy...
USMC
Sat Nov 22, 2008 11:37 AM
Post Reply
Like some here, I don't think it was rocket science to 'predict' a market correction late last year.
Real estate froth, credit card junk mail, refinance offers, trick loans, energy cost inflation, and financial pundits singing operatic songs of “this time it’s different” all pointed to a market top. Time to move some assets from stocks to bonds and, ahem, Social Security Lock Box Notes.
For those that moved 100% into the G and F funds, get to predicting that other half of market timing!!!
If you have 100% in the G your first two month return will be 0.67%. In 2003 the first two months return for the C Fund was 13%, the S Fund as 18%, the I Fund was 16%. You experienced market timers (with limited trading capability) will have missed half the annual growth of the stock funds by missing two months of the recovery.
So, my recommendation is to not ‘buy and hold and ignore and forget’, but to have a few asset allocations that you can maneuver through. Don’t trade often.
Death of buy and hold
DOD
Sun Nov 23, 2008 2:53 PM
Post Reply
Look for the Dow Jones to reach in the 6000's before rising from the ashes at a haphazard rate (too much value destruction of this magnitude will create less rick tolerances for at least a decade). Also the companies that rise from these ashes may not be the same ones who went head first into the abysis. Do not be sheep or lemmings. Do not listen to even the comments that are directed towards you from this author. Most of you are bobbing your head up and down as this false god speaks without doing the proper research. Panic and fear create losses and opportunities. What happened in the past may not be true of will happen today. Even the last FED chief did not realize the magnitue of our crooked government sleeping in bed with the crooked CEO's of wallstreet. Our government looked the other way as loop holes were found to get around regulations. Bad mortgages were sold as prime beef and unspectig investors from Brussels to Ontario bought the junk.