www.thrifttrading.com
When did they tell you to go back into the stocks funds?ThriftTrading — TSP Fund Allocation & IFT Alerts
ThriftTrading has guided TSP investors since 2005 — averaging +10.15% per year vs. +7.52% for buy-and-hold. IFT alerts, weekly chart analysis, and independent TimerTrac verification.
been using this service for a couple years now. They told me to go in the g fund feb 26. Reluctantly I listened and of course now I don’t regret it!
Tsp.gov?
You can’t change funds in employee express. It’s all done through tsp website.
Less than a month later
Wow congrats, so you were able to bank all the downturn? around 30-50% profit in 1 year?
They didn’t tell us to get back Into the c or s funds. I was fortunate to get in when they only charged 1,000 for lifetime membership. I feel like that was a very good value considering my lack of investment knowledge. I’ve since learned a little bit more than I knew then. I think really if you’re early in your career you can’t go wrong with 50c/50s or even 75s/25c if you wanna be aggressive
oh ok. Considering how much it cost right now, I believe 1K is a good deal!. Right now I am around 55C/45S.
So what was your 12 month PIP ending 12/31? I’ve always resisted moving my money around and trying to time the market, but I know there’s at least some logic to it.
Agree. Market timing is not a good strategy in my mind. Take this stat-the returns of an investor who put $10k into a standard S&P 500 index fund (very solid plan) in 1980 and missed only the market’s 5 best days, that’s 5, by trying to time mkt, would be 38% below someone who stayed invested for a 10 year period. Source- Fidelity Investments Inc.
Unfortunately Just under 12%. I will say that overall my tsp has grown substantially in the last couple years. I ca t be too greedy. I know some people at work who are - for their pip on the year.
So everyone that just held did better than you timing the market?
Pretty much
Good point. Paid money managers/market timers consistently under perform the S&P 500 Index. Year after year. You miss, guess wrong on half a dozen upticks in the market and you never recover.
