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Thread: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

  1. #25

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    This morning I decided to move the 25% I had in F into G. So, I went from 25/25/25/25/0 to 50/0/25/25/0.

    F was making me a little nervous so I am now camped out 50% in G, 25%C and 25%S.

    For 2012, I think my strategy will be to watch closely and see if there's any kind of consensus to what the top 50 are doing and see if I can time some of my moves with theirs.

    28 of the top 50 are 100% in S right now. 36 out of the top 50 have at least 25% in S.

    Only 6 are 100% G, and 5 are 100% F.

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  3. #26

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Well, I had my TSP at 50% G 25% C 25% S and just moved it a day or two ago to 75% S 25% C (just in time to see the DOW to drop 100+ & the S&P to drop 13+ as of 12:30 pm today). My timing is impeccable.

    Maybe the market will rebound by the end of the day?

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  5. #27

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Quote Originally Posted by coastalite View Post
    Well, I had my TSP at 50% G 25% C 25% S and just moved it a day or two ago to 75% S 25% C (just in time to see the DOW to drop 100+ & the S&P to drop 13+ as of 12:30 pm today). My timing is impeccable.

    Maybe the market will rebound by the end of the day?
    Probably next week. I think today is an emotional response (knee jeck reaction) of the possible SP downgrades of European Countries. What has changed? We know they are having problems in Europe, so SP drops them, the interest rates for most of the countries high as it is.


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  7. #28

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Maybe the market will rebound by the end of the day? I kinda doubt it with what's going on in Europe.

    Speaking of Europe, I wish I had a crystal ball to see where the bottom of the I Fund is.

    It's hard to imagine TPTB allowing the global economy to come crashing down.

    Are we ever going to see fiscal sanity?

    Another $1.2 Trillion? OMG! Wake me up from this nightmare.

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  9. #29

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Wow, the markets are up today (thank you stronger than expected growth in China).

    Go figure. Glad I didn't move everything to G. I was thinking about moving it all to G after Friday's performance and worry over Europe.


    Also, does anyone know when the TSP is going to release 2011's annual statement?

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  11. Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Well, just because the S fund didnt do good in 2011 doesnt mean you should drop it. Take a good look at it year by year. It is the best fund around. I currently am 70% S and 30% C. I am 41 and have about 135,000 in the TSP, about 100K is in the S. The stock market is going to keep rising as employment improves and people start buying more. However you want to do it keep it in C or S, but not that much in I. The experts say this is the year for US stocks. Europe is going back into recession and the rest of the world is going slower than us, I used to be I but not anymore. I only go to safety of G or F when the market is going to crash like 2008.

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  13. #31

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    When can we expect to see our 2011 TSP annual statement?

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  15. #32

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    The TSP issues quarterly statements in January, April, July, and October, and annual statements for each preceding year in February.

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  17. #33

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Yesterday was two steps forward, today was one step back.

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  19. #34

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    I kinda wish I had never messed with my original allocation of 25s 50c and 25i (I think is what it was). I probably should have just held that and DCA'd it.

    In retrospect, if I had just held that, I might be around 30% for 2013.... but since I allowed fear of a major correction to worry me - I spent valuable time parked in G, and therefore, I will be lucky to get a 13% return for 2013. I'm not really complaining, as my return could have been far far worse.

    I learned a valuable lesson in that if you stink at investing, you might be better off with a buy and hold strategy.

    I am thinking about maybe going something like 30c 50s and 20i & just stick my head in the sand and see if I can sit on that & HOLD this allocation for ALL of 2014.

    Thoughts?
    Last edited by coastalite; 12-28-2013 at 12:52 PM.

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  21. #35

    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Quote Originally Posted by coastalite View Post
    I kinda wish I had never messed with my original allocation of 25c 50s and 25i (I think is what it was). I probably should have just held that and DCA'd it.

    In retrospect, if I had just held that, I might be around 30% for 2013.... but since I allowed fear of a major correction to worry me - I spent valuable time parked in G, I will be lucky to get a 13% return.

    I learned a valuable lesson in that if you stink at investing, you might be better off buying and holding. Thinking about going 30c 50s and 20i AND JUST HOLDING THAT FOR ALL OF 2014.

    Live and learn, I suppose. I, too, feared a correction and spent too much time trying to figure out how to time the market. Wasted opportunity. Hopefully, I won't make that mistake again.

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  23. #36

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    Default Re: TSP strategy for mid 40's with 20 years till retirement. Anyone? Bueller?

    Quote Originally Posted by coastalite View Post
    I kinda wish I had never messed with my original allocation of 25s 50c and 25i (I think is what it was). I probably should have just held that and DCA'd it. In retrospect, if I had just held that, I might be around 30% for 2013.... but since I allowed fear of a major correction to worry me - I spent valuable time parked in G, and therefore, I will be lucky to get a 13% return for 2013. I'm not really complaining, as my return could have been far far worse.I learned a valuable lesson in that if you stink at investing, you might be better off with a buy and hold strategy. I am thinking about maybe going something like 30c 50s and 20i & just stick my head in the sand and see if I can sit on that & HOLD this allocation for ALL of 2014. Thoughts?
    I stay in stocks until my chart tells me to cash out. I'm not good enough at investing to try and time upswing, buy dips, etc. Half the time it works when I try it and half the time I take a hit and end up making less overall. The chart doesn't lie, just go with the trend, whatever it is. When my 15 day EMA goes below my 30 EMA, and my indicators are going negative, I run to G. If not, I ride out the dips and make most of the gains. The biggest advantage I see in this strategy is it gets you out early in the bear market so you don't take a huge loss and you are sure to make most, yet not nearly all, of the gains in a bull.
    "The flag stands for rights, not results. Time to grow-up buttercup"


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