Rokid's Account

[rokid]

Here's my "buy and hold" account allocation for comparison's sake:

24.1% F Fund

23.3% C Fund

34% S Fund

18.6% I Fund

2005 YTD return as of 2/4/2005: -.53%

[rokid]

Allocations as of 11 Feb 2005:

24.2% F Fund

23.2% C Fund

33.8% S Fund

18.8% I Fund

My 2005 YTD return: -.34%

2005 YTD return 20% each fund: -.11

[rokid]

Allocations as of25 Feb 2005:

23.8% F Fund

22.8% C Fund

34.6% S Fund

18.8% I Fund

My 2005 YTD return:.26%

[rokid]

Allocations as of10 Mar 2005:

24.3% F Fund

22.3% C Fund

34.6% S Fund

18.8% I Fund

My 2005 YTD return:.00%

[rokid]

Just another data point forFundSurfer's tally:

February January December Total Moves since 1 Jan

Rokid1.85%.46% 2.19% 4.50% 0

March, not so good!

[rokid]

Oops - correction - sorry about that! I thought Jan looked too good to be true!:^

February January December Total Moves since 1 Jan

Rokid+1.86% -1.92% 2.19% 2.13% 0

[rokid]

Allocations as of 24 Mar 2005:

23.5% F Fund

23.9% C Fund

33.6% S Fund

19.0% I Fund

My 2005 YTD return: -2.14%

[rokid]

March February January December Total Moves since 1 Jan

Rokid-1.61% 1.86% -1.92% 2.19% .52% 0



2005 YTD: -1.67% :?

[rokid]

Just to stay in line with FundSurfer's tally for comparison purposes:

March February January Total Moves since 1 Jan

-1.61% 1.86% -1.92%-1.67%0

[rokid]

Allocations as of15Apr 2005:

25.6% F Fund

21.9% C Fund

33.9% S Fund

18.6% I Fund

My 2005 YTD return: -3.87%

At this point I wish I had some money in the G Fund. Furthermore, I wish I was 60/40 stocks/bonds. However, looking at the long term, I think stocks, not bonds,are the place to be. Of course, if the stock market keeps falling, I'll be 60/40 in the very near future.:?

All it takes is a couple of good days and I'll be in positive territory again. In addition, all of my new allocations willhave the advantage of having beenpurchased at relatively bargain prices. Still, it hurts to loose thousands of dollars in one week. :(

[rokid]

Allocations as of29Apr 2005:

25.7% F Fund

22.1% C Fund

33.6% S Fund

18.6% I Fund

My 2005 YTD return: -3.41%

AprilMarch February January Total Moves since 1 Jan

-1.74%-1.61% 1.86% -1.92%-3.41%0

It could be worse. In addition, the new buys are cheap! :^

[rokid]

Sorry this is late. My computer's hard drive blew.

Allocations as of31May 2005:

25.3% F Fund

22.2% C Fund

34.2% S Fund

18.3% I Fund

My 2005 YTD return: -.46%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Total moves - 0

June is looking outstanding! :^

[rokid]

Allocations as of30Jun 2005:

25.3% F Fund

21.8% C Fund

34.8% S Fund

18.2% I Fund

My 2005 YTD return:1.23%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Total moves - 0

Buy, hold, and rebalance. Hopefully, I'll make some $$ in the second half of the year.:^

[rokid]

Allocations as of29Jul 2005:

24.7% F Fund

21.9% C Fund

35.1% S Fund

18.3% I Fund

My 2005 YTD return:4.35%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Total moves - 0; I'm looking to rebalance based on the 25/5 rule. However, my allocations seem to remain relatively static, i.e. there's not enough variability in fund returns to upset my allocations.

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

Jul was excellent! Hopefully, no hurricanes in Aug and more good returns!:^

[rokid]

Allocations as of31 Aug2005:

24.9% F Fund

21.5% C Fund

34.7% S Fund

18.9% I Fund

My 2005 YTD return:4.72%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Aug .37%

Total moves - 0

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

August was a miserable month until the last day. I feel guilty about Katrina. Although the hurricane is a terrible disaster for the people of Louisiana, Mississippi, Alabama, and Florida, it will generate a lot of economic activity.

I certainly hope the federal government can get its act together soon - especially Homeland Security. Their response so far is embarrassing - not to mention deadly for the poor people impacted by the storm. :(

[rokid]

Allocations as of30 Sep 2005:

24.7% F Fund

21.4% C Fund

34.5% S Fund

19.4% I Fund

My 2005 YTD return:5.67%

Last three months: 4.44%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Aug .37%

Sep .95%

Total moves - 0

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

29 Sep saved the month! So far, better than a money market fund - but notmuch better!:^

[Sr]

Allocations as of30 Sep 2005:

24.7% F Fund

21.4% C Fund

34.5% S Fund

19.4% I Fund
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don't mean to be argumentative or smart alec but am curious. IF you believe in allocation across TSP funds and you need not, L funds are by far the most scientifically and mathematically proven allocation mix based on MPT. What makes your allocation so unique that you are willing to forgo the sweat and tear that went into L fund development? I know only time will tell if you are right. But life is so short and there are so many roses to smell........

[rokid]

Sr,

1. I established this allocation prior to the advent of the L Funds. I'm tracking it on the board to provide a results comparison to the market timing. I'll finish out this year posting once a month. However, since there are now so many passive allocation examples, e.g. Tom's 20% each fund and the L Funds, I may not post next year.

2.My allocation is based on a Markowitz efficient frontier analysis (Visual MVO software) and the exact level of projected risk/return that's right for me. I've taken on more risk with the S Fund to, hopefully, increase my return. In addition, I don't agree with the various L Fund asset allocations.I don't understand how they were arrived at. I'm comfortable with and understand what I'm doing and why.

3. The L Funds favor the G Fund over the F Fund. Right or wrong, my analysis indicates the F Fund, as part of a portfolio, provides a higher return over time.

4. The L Funds are constantlyadjusting the level of risk/return over time.I want to be able to exactly specify my portfolio's projectedrisk/return.

5.Everything I've read recommends quarterly to yearly rebalancing. The L Funds balance daily -probably as an administrative convenience. Frequent rebalancingtends to reduce returns because it precludes taking advantage ofasset class momentum, e.g. the superiority of the C Fund during the 1990s.

6. I'm coordinating my TSP with my wife's 401K as one portfolio. Establishing my own TSP asset allocation makes this easier for me to do.

7.Now established, my allocation iseasy to maintain. My contributions match my target asset allocations. I rebalance once a year and that's it. In fact, I just rebalanced my portfolio this morning. Now, I won'ttouch it for another 12 months.

8. If the L Funds start outperforming my allocation by a significant amount, I may change my mind. I'm open to any approach that increases returns for the same level of risk. :^

[rokid]

Sr,

FYI.

The 2020-2040 Funds beat me this month - too much F Fund on my part. However, I'm still ahead for the year!

Theasset allocation expert,William Bernstein, claims that the key to successful asset allocation is not changing it once it is established. Therefore, if I'm in the ball park, allocation-wise,and hold fast, I should do all right.

[rokid]

Yearly rebalancing completed. Currently:

F Fund - 25%

C Fund - 20%

S Fund - 36%

I Fund - 19%

[rokid]

Allocations as of31Oct 2005:

25.5% F Fund

20.1% C Fund

35.4% S Fund

19.0% I Fund

My 2005 YTD return:3.74%

Last three months: -.6%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Aug .37%

Sep .95%

Oct -1.92%

Total moves - 1; Rebalanced4 Oct

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

31 Oct saved the month! YTD, slightly worse than my 4.0% bank account interest!:^

[rokid]

Calculation error!:?

My YTD return is 3.61%.My month to month figures are correct.

[rokid]

Allocations as of30Nov 2005:

25.0% F Fund

20.2% C Fund

35.8% S Fund

19.0% I Fund

My 2005 YTD return:6.72%

Last three months: 2.03%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Aug .37%

Sep .95%

Oct -1.92%

Nov 3.00%

Total moves - 1; Rebalanced4 Oct

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

[rokid]

A copy of my spreadsheet. The fund allocation variations reflect changingNAVs, not IFTs.

[rokid]

Allocation as of 2 Jan 2006

25% - F Fund
20% - C Fund
36% - S Fund
19% - I Fund

[rokid]

Allocations as of 30 Dec 2005:

24.9% F Fund

19.9% C Fund

35.6% S Fund

19.6% I Fund

My 2005 return:8.1%

Last three months: 2.33%

Jan -1.92%

Feb 1.86%

Mar -1.61%

Apr -1.74%

May 2.96%

Jun 1.69%

Jul 3.12%

Aug .37%

Sep .95%

Oct -1.92%

Nov 3.00%

Dec 1.29%

Total moves - 1; Rebalanced 4 Oct

My target allocations are: 25% F Fund; 20% C Fund; 36% S Fund; and 19% I Fund.

[rokid]

MM,

For tracking purposes, I'm still here and holding steady.:cheesy:

[rokid]

For tracking purposes, I'm still here and holding steady.

[rokid]

A slight adjustment to my asset allocation.

G Fund - 10%
F Fund - 15%
C Fund - 20%
S Fund - 35%
I Fund - 20%

This allocation reduces my risk and expected return. However, it starts me on the road to a retirement allocation and gets me invested in all of the TSP funds.

[rokid]

Incidentally, I submitted this IFT, today.

[rokid]

Still at:

G Fund - 10%
F Fund - 15%
C Fund - 20%
S Fund - 35%
I Fund - 20%

[rokid]

Still at:

G Fund - 10%
F Fund - 15%
C Fund - 20%
S Fund - 35%
I Fund - 20%

[rokid]

Still at:

G Fund - 10%
F Fund - 15%
C Fund - 20%
S Fund - 35%
I Fund - 20%:nuts:

[rokid]

Still, still at:

G Fund - 10%
F Fund - 15%
C Fund - 20%
S Fund - 35%
I Fund - 20%:nuts:

[rokid]

New Year, same allocation:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund

[rokid]

Holding at:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund

[rokid]

Holding at:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund

[rokid]

Holding at:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund

[rokid]

Still holding at:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund

[rokid]

Still holding at:

10% G Fund
15% F Fund
20% C Fund
35% S Fund
20% I Fund:rolleyes: