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Are We Returning to Normal? Thrift Savings Plan Investors Pouring into the G Fund

Funds going into the G Fund

retired
USPS
Tue Mar 17, 2009 9:19 AM

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It is quite obvious why large amounts of money are going into the "G"G Fund. Where else are you going to put it? The market turning around? Wishful thinking.

A slow progression back...

Tech Writer
TACOM
Tue Mar 17, 2009 9:36 AM

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Might be wise for those heavily in the G fund at this time to think about heading slowly back into the stock funds.

I don't think it is smart to pick a bottom and launch your entire G fund into stocks. But a slow transfer once a week or even once a month could allow you to plan your transfers in accordance with the market trends.

Ultimately, I never put 1 cent into the G fund during this Bear market. Of course I am young:-)

Re: A slow progression back...

Analyst
USDA
Tue Mar 17, 2009 10:22 AM
Nothing slow about it. For that matter, let the market hang low for as long as it wants. That just means cheaper shares for purchase longer. BUY NOW WHILE THE SALE LASTS!

Crazy!

Analyst
USDA
Tue Mar 17, 2009 9:39 AM

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Now is NOT the time for buying G fund shares. Its is time to buy C, S, and I. You can buy twice the shares per dollar right now.

Its crazy!

Re: Crazy!

ACF Specialist
DHHS
Tue Mar 17, 2009 11:15 AM
Good post. I agree. Some people don't get just how logical and simple investing can be.

Re: Crazy!

UL Manager
ICE
Tue Mar 17, 2009 12:39 PM
Absolutely good advice.

The problem is, no one is telling gov't employees that you BUY LOW. Everyone is so focused on the $$ that they forget to look at the number of stocks they could be buying at bargain prices.

Too bad, really.

Re: Crazy!

Program Manager
VA
Tue Mar 17, 2009 2:29 PM
I would add a MAY BE to this. taking money OFF the table is a good idea at times. if you are nearing retirement, buying into equities MIGHT NOT be the best strategy. 20+ yers to retirement, I would agree with buying all you can at these prices. I moved into G and F (60%) about 14 months ago and avoided getting KILLED. Might want to consider adding NEW money to C, S, and I since these will rise eventually.

Re: Crazy!

Don
USDA
Tue Mar 17, 2009 3:32 PM
I really feel sorry for all the baby boomers out there,
they will be dead by the time the market goes back to 2006 levels.

Re: Crazy!

Retired
Retired
Tue Mar 17, 2009 5:04 PM
I feel more sorry for the baby boomer's grandchildren. The baby boomers will get to die. The grandchildren will have to pay the absurd debt the politicians have piled up, and then they get to die.

TSP funds

vsr
va
Tue Mar 17, 2009 9:48 AM

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The best thing to happen to the TSP in recent years is the lifecycle (L) funds. Pump your money into these funds based on a estimated retirement date and hang on. By transffering money from stock funds into G funds now, you have effectively locked in your losses! As Bernie proved your gains and for that matter losses are just on paper.

TSP

CO
VA
Tue Mar 17, 2009 10:11 AM

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All I know is I no longer look at what's left in my TSP account. I had close to $100,000.00 and I bet if I'm lucky I have $10.00 left. I think I'll give my $10.00 to AIG to help them out.

Bottom??

Chief
Retired
Tue Mar 17, 2009 10:12 AM

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With all that's going on right now, can you really believe we're near the bottom? Really? I personally can't imagine folks feeling secure enough with all that's going on to push it up. Folks will continue to fear the uncertainty. As a result, they will not spend and jump into perceived safer environments. No spending, no jobs, no investing, no profits, etc, etc. I feel we'll see the DOW down under 5 before we begin to snap back. Oh, and I feel the bailouts will stretch it out longer than it should and the recovery will be longer than you can imagine, not a quick snap. That's all just my opinion of course. No one knows what will happen, no one.

G fund TSP

computer specialist
census
Tue Mar 17, 2009 10:26 AM

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I am afraid that if we put too much in the G fund, Congress will eye the money sitting there the way they did with Social Security and we will be on the losing end.

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