Thread: Transfer balances to L?

Technically, L funds have not been tested for downturns, as they were developed in reaction to the 1999-2001 tech bubble. I have not seen an analysis of how they would have fared during that period (and am not sure if it is possible to do an analysis since L-Year funds increase their shares in conservative funds over time until reaching L income rates and for a long time we only had G and C so again analysis may be impossible).

My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.

Rokid did some testing for that awhile back. See here:

Long Term Tally

Originally Posted by Silverbird

Technically, L funds have not been tested for downturns, as they were developed in reaction to the 1999-2001 tech bubble. I have not seen an analysis of how they would have fared during that period (and am not sure if it is possible to do an analysis since L-Year funds increase their shares in conservative funds over time until reaching L income rates and for a long time we only had G and C so again analysis may be impossible).

My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.

Originally Posted by Silverbird

Technically, L funds have not been tested ....

Originally Posted by luv2read

Rokid did some testing for that awhile back. See here:

Long Term Tally

My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.

Well, hmm....I NEVER tell anyone to go to the L funds unless they seriously hate looking at the markets. I use that resource to show how "little" action there actually is in the "L" fund. I show them risk versus return. I will probably go to the L when I can't move my fingers across a keyboard.

The bodybuilders have it right - "No Pain, No Gain!"

things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.

Originally Posted by DCguy

things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.

Well, If you just take the match from Uncle Sam and do that infommercial "Set it and forget it" you could use it as your safe haven. But then again, a glance at the fund returns shows that the "G" fund returned better than any "L" fund last 12 months. Also, not much more the last three years. With the IFT limitation, you could still protect gains. I just hate not maximizing my returns. If you didn't want to "play" the game, then maybe but it really comes down to your personal prefeerence.

But aggressiveness for me is NOW....I got 17 yrs to go.

$0.04 (with interest)

Originally Posted by DCguy

things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.

exactly the way they want you to think. And all feds within 5 years of retirement, think L Income. Good little sheeple!

Originally Posted by luv2read

exactly the way they want you to think. And all feds within 5 years of retirement, think L Income. Good little sheeple!

Sheeple = 3.9 million TSP pariticpants - 3100 TSPTALK participants

http://www.tsp.gov/forms/financial-stmt.pdf

Reread these financial statements and ask the same questions I did:

1 - From 2006 to 2007 Investment Expenses down
2 - Contributions up
3 - Insurance quadrupled?
4 - Administrative expenses down
5 - Liabilities down

Why did insurance get so high? What does that insurance buy us? Did they allocate 4.3 million to pay 273,000 what is up with those insurance numbers? I need a class, but it seems to me that we are seeing some weird calculations. I can't wait to see the 2007-2008 comparison.

Originally Posted by SkyPilot

Hmmm.... No one has ever referred to me as "Shy" before.

bump

Originally Posted by nnuut

Hi SP, nice to hear from you again, been on any other trips? Enjoyed your CD of the last one.

Will return to Ukraine this fall (4th trip).

Not much to say, as I haven't changed allocation in 4 months... Just cannot figure this market out, and now that I can't move in a meaningful way, it just sucks.

That's the way it goes...

I know what you mean!! Best of luck on your next trip!
Norman