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| Close | Change | YTD | |
| G | $13.2091 | +0.0012 | +0.68% |
| F | $13.6399 | +0.0091 | +2.29% |
| C | $13.8863 | +0.0805 | +5.06% |
| S | $18.2024 | +0.1285 | +10.58% |
| I | $18.7514 | +0.0846 | +1.16% |
| Close | Change | YTD | |
| L 2040 | $16.3254 | +0.0762 | +4.42% |
| L 2030 | $16.0684 | +0.0658 | +3.93% |
| L 2020 | $15.8233 | +0.0534 | +3.28% |
| L 2010 | $15.4905 | +0.0218 | +1.78% |
| L Income | $14.1097 | +0.0175 | +1.65% |
As the Market Drops, Expect Doomsday Scenarios and Transferring to Safety of the G Fund
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Sell, Sell, Sell !!!
ACF
Tue Nov 25, 2008 11:02 AM
Post Reply
Please help fund my retirement by selling out of the C,S & I. If you can artifically push the price of the C,S, & I to $1 per share through 09' I feel this would help me gather enough shares to capitalize when the market recovers.
The herd mentality and the uninformed investor only benefits the informed investor!!!
Some people never check their fund while the market is going up, they only get involved when it is going down and they make uninformed decisions. Dang the Luck!!!
18.33%
DOE, Albuquerque
Tue Nov 25, 2008 11:14 AM
Post Reply
I,ve lost 18.33% since january using a method i've back tested over 20 years. The market is down 44.40% (S&P). According to Blloomberg, I'm in the top 5% of all 1468 balanced funds in the US. I have averaged in the top 7% for 10 years. Can anybody do better over the long run? Give me your numbers!!
Re: 18.33%
Dept of Vet Affairs
Tue Nov 25, 2008 11:34 AM
Re: 18.33%
DOE, Albuquerque
Tue Nov 25, 2008 12:08 PM
Premise- NO ONE CAN GUESS THE MARKET CONSISTENTLY
Method. put 20% in each of 5 funds. never go below 10% in each fund, At the end of each month move 10%from the worst performing fund with more than 10% in it to the the best performing. If you had done this for a year you would be 60%g, 20 F,10%C, 10%I, and 10%,S.
You will do far better than average. if you don't beleive me, back test it. There are a couple of dozen people in my office who are using this mand are quite happy with the results.
History Repeating Itself
DOJ
Tue Nov 25, 2008 12:59 PM
Post Reply
The idea that you can dollar cost average, and should stay in the market, has been the conventional wisdom for 25 years. With millions investing, pretty much blindly, in equities during the 401k era we see all that money in equities that wasn't there generation ago, and generally staying the course has resulted in healthy gains. But, the entire growth in the economy, and corresponding growth in equities has been predicated on insane amounts of debt, both public and private. Everyone is at peak credit. The growth since the late 70s was all funded with tomorrow's money. Much of the economic data suggests we are already in an economic shrinkage analogous to the 20s-30s depression. Peak credit, deflation are are here. Save your money. Stay in the G-Fund. The market is not going to go up until de-leveraging is complete. That could take 20 years. G fund offers steady gains. Save more and keep your fed job if you can. The pension is a life saver.
MOVE IT! MOVE IT!
MEDVAMC
Tue Nov 25, 2008 1:16 PM
Post Reply
I am sorry, but I plan on retiring in 2011. I just could not stomach watching all my savings and investments go down the toilet...even as my CPA told me, "let it ride, you will get it all back....you will loose more by missing out on the gains made when this turns around"... I am sorry, but as bad as my math skills are, that just doesnt make sense to me...I only have 3 years left to recoup any loses I would have suffered, had I "let it ride"! I moved all my money into the G fund way back in February 2008, and have consequently lost less than 5K. I have watched my co-workers that subscribe to the "let it ride" theory, loose almost half of their retirement funds....Thank God my home is paid for and I have paid off all my credit cards....I have no debt. And my retirement account is still at the pre-bear market level! I will be able to stay on track and retire in 2011....so far!!!
Re: MOVE IT! MOVE IT!
VHA
Tue Nov 25, 2008 3:52 PM
The conventional wisdon that you can't time the market is quite correct. But....you can read the economy if you do the research - this downturn was pasted all over the internet as far back as September 2007. There were several informative articles on the overseas derivatives market - written generally, not for the expert.
Don't accept "canned" advice without at least thinking about it and doing a little reading on your own!
As the Market Drops
VHA
Tue Nov 25, 2008 3:38 PM
Post Reply
I'm not so sure the naysayers are all that wrong :)
The market of course is not the economy, however in the long run it will tend to track the economy - and right now the economic outlook is down for at least the next year. Investors need to be realistic and not see just what they'd like to see. Stocks could creep along the bottom for 10 years (see the 70's).
Keep in mind too, when you hear the "hold 'em at all costs" crew that the percentages work against you on the downside. A 50% loss (e.g. ytd "I" fund) means that a $100,000 account is now worth $50K. But a 50% increase in the market in the next year (dream on) means your $50 K account will only go to $75K - recovery can take you much longer than you think.
Is this not gambling?
Navy
Tue Nov 25, 2008 4:24 PM
Post Reply
I think I would do better with the horses. It's extremely regulated, easier to handicap, and I needn't concern myself with corporate greed and corruption.
Re: Is this not gambling?
DOE, Albuquerque
Wed Nov 26, 2008 7:03 AM
Black Friday
Military
Tue Nov 25, 2008 5:04 PM
Post Reply
I moved everything into G at the beginning of the year and have stayed there. Currently, I won't tell anyone not to start buying back into the stock funds right now; however, I'm waiting to see what happens after Black Friday, to see if people go shopping. I'm inclined to think retail is going to take a big hit soon.
I'm probably not going to do anything until we're into the New Year, and at the very least, the DOW needs to stop bouncing around like a ping pong ball and stabilize a bit, day-to-day, before I even start to consider getting back in.
Thanks,