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Thrift Savings Plan Funds All Up in December--Ending a Dismal Year of Returns

system

Acountant, Retired gs 14
DOE, Albuquerque
Mon Jan 5, 2009 11:27 AM

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I have a very effective strategy that now puts me in the top 6% of all balanced funds {1500 of them) as measured by bloomberg over an 8 year period. This year i was in the top 3.2% with an 11.86 loss as compared to 35.19 loss for the S&P and 22% loss for the average balanced fund.

Re: system

Human Resources Specialist
NASA
Mon Jan 5, 2009 3:01 PM
So.... Are you gloating or planning to share your strategy?

RE. System

Engineer
Space Cadets R us
Thu Jan 8, 2009 8:44 AM

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Hey wise guy,

If you would have pulled out of the market in September of 2007 you would have had a 0 percent loss and small gain in the G fund.

The smart people realized that financial stocks started thier slide back in June/July before the public knew what was happening.

Here are a few more tips: Buy and hold (cost averaging) doesn't work for markets like these. Past history doesnt predict future performance, you only have to get within 50 percent of knowing the top/bottom to come out better than the buy and hold strategy.

Do the math and read some technical analysis books.

Oh and for the authur of the article: Thanks for the John Madden play by play of the markets. Tell us something that will help these TSP perticipants. Oh and a little hint for you: We are not at the bottom of this market yet.

Article on 401K

Engineer
Space Cadets R us
Mon Jan 12, 2009 11:32 AM

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A great link on 401K contributions


http://articles.moneycentral.msn.com/RetirementandWills/InvestForRetirement/meltdown-calls-401-k-s-into-question.aspx

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