Readers' Comments
Total Comments: 29
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Lifecycle Funds Growing in Popularity--But With an Unexpected Twist
Total Comments: 29
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| Close | Change | YTD | |
| G | $13.2033 | +0.0011 | +0.64% |
| F | $13.5947 | +0.0048 | +1.95% |
| C | $13.6927 | -0.0027 | +3.59% |
| S | $17.9723 | +0.0233 | +9.18% |
| I | $18.5302 | +0.1287 | -0.04% |
| Close | Change | YTD | |
| L 2040 | $16.1474 | +0.0291 | +3.28% |
| L 2030 | $15.9136 | +0.0249 | +2.93% |
| L 2020 | $15.6956 | +0.0208 | +2.45% |
| L 2010 | $15.4351 | +0.0080 | +1.41% |
| L Income | $14.0647 | +0.0064 | +1.33% |
March 15, 2010
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Asset Allocation
US Army
Tue Aug 18, 2009 9:09 AM
Post Reply
I'm not surprised that folks don't understand what they are investing in. When was the last time you received a class on Asset Allocation? Or even the TSP itself?
Why unexpected?
irs
Tue Aug 18, 2009 9:18 AM
Post Reply
The L-funds are marketed as something you should put your money in the fund closest to when you will need it. Even though I am retiring in a year or so, I plan I using the money over the rest of my life which (hopefully) will be to the L-2040 horizon or beyond even though it starts in the L-2010 horizon.
F Fund Issues
USDA
Tue Aug 18, 2009 9:24 AM
Post Reply
I would use the L funds as a primary (if not only) investment choice and never look again but only if I could make sure that NONE was invested in F. F is such a poor performer over time, I have no interest in F.
Re: F Fund Issues
NAVAIR
Thu Aug 20, 2009 9:42 AM
Does anyone know if any person with any actual authority to in fluence TSP changes read these? I've contacted the TSP regarding similar issues but there's no response acknowledging my correspondence, only dead silence. No indications of what changes MAY be contemplated, and if there are, God forbid they actually poll the owners on our take regarding any contemplated changes. Really makes me feel like they care.
above ad re: Bernanke's Secret Debt Solution
DCMAC
Tue Aug 18, 2009 9:28 AM
Post Reply
First of all, I thought your article was enlightening about how TSP investors are investing in the L fund.
My real question is about the above ad: "Will Bernanke's Debt Solution End The Financial Crisis?".
Is this and any other ads to be considered approved by either you or FedSmith?
Are "UncommonWisdomDaily.com" and "Ads by Goooooogle" reliable sites? I just want to be sure before I respond to this one that it is a legitimate site and not a sales pitch by the author.
Thank you for any clarification. Robert
TSP Experience
Navy Supply Information Systems Activity
Tue Aug 18, 2009 9:37 AM
Post Reply
From 1995 when I started in TSP until 2006, I invested 80% in C Fund and 20% in G Fund. I never changed the allocation and I never moved funds. During this 11 year time period, the G Fund outperformed the C Fund. At the end of that time, the G fund held 22% of my total funds, while the C Fund held 78% of my total funds. Since late in 2006, I have invested totally in the L2010 Fund and that helped me reduce my losses during the stock crash of last year.
Finance for the Masses
NAVAIR
Tue Aug 18, 2009 9:44 AM
Post Reply
It always surprises me that the "experts" are surprised that folks don't take their one-size-fits-all advice with no modifications. Most of us are adults with at least some clue as to our assets, incomes and projected retirement needs. Of course we're going to tailor our plans for our individual situations. Why can't I tailor my own "Lifetime Fund" with the mix of funds I select?
Re: Finance for the Masses
NASA
Tue Aug 18, 2009 10:57 AM
You don't need the L-funds if you do indeed have a clue. Simply ignore the L-fund(s), which are not intended for people who have a clue!
The new L funds help "normal" people diversify their holdings without having to pay any attention to their investments. However, this will always trail those who are successful at timing the drops and climbs of the index funds.
Of course, it will also beat those who are not as successful in their timing, and manage to buy high and sell low.
Good Luck with your timing!
Re: Finance for the Masses
NAVAIR
Wed Aug 19, 2009 9:29 AM
Re: Finance for the Masses
USDA
Thu Oct 29, 2009 12:53 PM
L Funds as diversification
Education
Tue Aug 18, 2009 10:04 AM
Post Reply
I'm 63, CSRS Offset, and within 24 months of retirement. I moved 25% of my TSP out of L-2010 and into the C Fund roughly 6 months ago, figuring that the market was bottoming out. I "get" the purpose of the L funds but I decided that I could afford to take a chance on a stock market reversal with a portion of my TSP. So far that has proven to have been a wise (lucky) decision. In "normal" times, I would not have made this move and I see it, in any event, as relatively short term (months, not years) before I move that significantly enhanced 25% back to L-2010.