Retirement TSP Seasonal Strategies

[thesoonerkid]

ThriftTrading

www.thrifttrading.com

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!

 

[erik088]

ThriftTrading

www.thrifttrading.com

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!

When did they tell you to go back into the stocks funds?

 

[ShortGuy]

Is there a place to change your TSP fund besides employeeexpress.gov? I thought there was one.

 

[Dontbotherme]

Is there a place to change your TSP fund besides employeeexpress.gov? I thought there was one.

Tsp.gov?

 

[the inquirer]

Is there a place to change your TSP fund besides employeeexpress.gov? I thought there was one.

You can’t change funds in employee express. It’s all done through tsp website.

 

[thesoonerkid]

When did they tell you to go back into the stocks funds?

Less than a month later

 

[erik088]

Less than a month later

Wow congrats, so you were able to bank all the downturn? around 30-50% profit in 1 year?

I am asking because I saw their membership cost and it is a little bit pricey.

 

[thesoonerkid]

Wow congrats, so you were able to bank all the downturn? around 30-50% profit in 1 year?

I am asking because I saw their membership cost and it is a little bit pricey.

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

 

[erik088]

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.

 

[BrocolliRob]

with how few fund options there are within the TSP, paying for a service to tell you “strategies” seems unnecessary. I’m 33, so nowhere near retirement. Current is 45% C, 45% S, 10% I. One year performance 23%.

 

[TimShady]

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

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.

I let my 50C/50S ride all year and ended up making 24.91%

 

[Motodog]

with how few fund options there are within the TSP, paying for a service to tell you “strategies” seems unnecessary. I’m 33, so nowhere near retirement. Current is 45% C, 45% S, 10% I. One year performance 23%.

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.

 

[BrocolliRob]

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, that’s 5, days, by trying to time mkt, would be 38% below someone who stayed invested for a 10 year period. Source- Fidelity Investments Inc.

the one thing I took away from business school is you can’t time the market. You’ll maybe get lucky a few times but like you said, overall it’ll just hurt you.

 

[clr2lnd]

50c/50s for all of 2020. 12 month pip of 31.77%

 

[thesoonerkid]

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.

I let my 50C/50S ride all year and ended up making 24.91%

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.

 

[Traffic8Out]

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?

 

[thesoonerkid]

P

So everyone that just held did better than you timing the market?

Pretty much

 

[Termine]

Careful with those 12 month PIP numbers... don't they include your yearly contributions when calculating that? So someone maxing it out would have a better "performance" than someone only doing 5%, everything else being equal.

 

[Motodog]

Careful with those 12 month PIP numbers... don't they include your yearly contributions when calculating that? So someone maxing it out would have a better "performance" than someone only doing 5%, everything else being equal.

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.

 

[TimShady]

PIP doesn’t include contributions, just growth. I started maxing my TSP this year so my account is about 60% higher than it started and my PIP is 24%. They show it as your “Personal Rate of Return” on your statement.