Readers' Comments
Total Comments: 24
Page 2 of 3
Page 2 of 3
Retirement Planning and the Decline of Your TSP Investments
Total Comments: 24
Page 2 of 3
Page 2 of 3
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| Close | Change | YTD | |
| G | $13.0760 | +0.0011 | +2.63% |
| F | $13.4554 | -0.0007 | +6.95% |
| C | $12.9082 | -0.0394 | +23.71% |
| S | $15.5321 | -0.0625 | +27.24% |
| I | $18.2310 | -0.1403 | +27.89% |
| Close | Change | YTD | |
| L 2040 | $15.2768 | -0.0566 | +22.32% |
| L 2030 | $15.1461 | -0.0487 | +19.99% |
| L 2020 | $15.0617 | -0.0401 | +17.13% |
| L 2010 | $15.0897 | -0.0155 | +9.09% |
| L Income | $13.7765 | -0.0111 | +7.76% |
November 21, 2009
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TSP and Asset Allocation
USDA
Mon Mar 2, 2009 1:16 PM
Post Reply
I guess I was just lucky that about 18 months ago I put everything in my TSP into the G Fund. I also put all my Private Roth IRA Money into a Federal Money market Mutual Fund. The two together averaged about 3% for 2008. With inflation I didn't make much, but I didn't lose much, if any either. The thing theat amazes me is that after 10 %, 20%, 30% 40% negative Market reporting people still stayed in and are still staying in. Someone please explain how this makes sense? By the way I am retiring as scheduled.
Re: TSP and Asset Allocation
FCC
Wed Mar 4, 2009 6:27 AM
RE: another tactic
DoD
Mon Mar 2, 2009 1:35 PM
Post Reply
It depends on your time horizon. Spreading you money around is essentially what your doing. Your in essence hedging your losses. I am doing what you first suggest, and it is becuase I have a low risk tolerance and am investing the new contributions in the other funds. In the long run we may gain by picking up shares now, and if I had not moved in October 2007 or most of the first part of last year I would just stay put at this point. I wonder if the next bubble will be in Gold, and Treasuries. If that bubble bursts than stocks will grow again, as there is no where else that seems likely at the moment.
Financial Advisor
Govt.
Mon Mar 2, 2009 2:44 PM
Post Reply
TSP participants should have financial advisors. Nothing that is currently ahppening in the stock market is unexpected if they follow experts, trends, economic analysis.
TSP Bail Out Needed
DOD
Mon Mar 2, 2009 5:06 PM
Post Reply
The TSP should be elligable for some federal bail out money. Why not us? We don't even have private jets or get 7 & 8 figure bonuses for running organizations into the ground.
Beverages
TACOM
Mon Mar 2, 2009 7:16 PM
Post Reply
The following companys have gotten their share prices obliterated in the Stock Market.
1) Coca Cola
2) Kraft Foods
3) ConAgra Foods
4) Dr. Pepper Snapple
5) Hansen Natural Corp (Monster energy drink)
6) Walmart (yes even Walmart)
7) Wendys / Arbys / Sonic / Amazon / Ebay
My point? None of the companys above are going to disappear. The Stock Market has lost confidence like no tomorrow and what's happening is total madness right now. I don't even care any more other than to occasionally buy more shares in a Food/Beverage company in my personal Stock Trading Account.
The DOW Industrials and S&P 500 and so on are in complete shambles due to Nationalization. That can be fixed if and when the *good banks* replace the *bad banks* in the Indexes. That takes years though.
5 years from today no one will complain about their TSP index funds.
Re: Beverages
DOE, Albuquerque
Tue Mar 3, 2009 8:28 AM
It's All About Laziness and Apathy
FAA
Tue Mar 3, 2009 7:37 AM
Post Reply
The reason many people lost money in the past year is that they are lazy or apathetic about their money. As TJ mentioned, nothing that happened was unexpected if you spent 30 minutes looking at housing history or the stock market in general.
If you believe what Jim Kramer et al tells you on TV, you deserve what you get. If you believe what the so called government experts say, you deserve what you get.
Ever stop to think, if these guys were so smart, why do they have regular jobs on TV, instead of being on some island retiring with their billions.
BECAUSE THEY ARE ENTERTAINERS, nothing more.
Stop watching TV, and stop believing everything you hear. Do a little research yourself. I believed the Dow would top at 13,800, and I moved to G fund at that time.
Guess what, 2 hours work max saved me the 50% of my TSP that the rest of you lost!
Please please please, if nothing else, erase
BUY AND HOLD
from your brains.
It doesn't work.
What's the take home here?
SSA
Tue Mar 3, 2009 8:00 AM
Post Reply
What is the value of this buffet of statistics and opinions? When do I get some information I can use? Knowing which way the herds are running from the fire won't be keeping anyone safe. This kind of report seems to be informative and profound but it's just a slew of numbers and a snapshot of people in panic. Oddly enough Madison Avenue is doing a better job of giving folks a practical tip or two.