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Thread: Alternate LMBF methods

  1. #265

    Default Re: Alternate LMBF methods

    Here are the returns through the first half of the year:


    G F C S I LMBF-1 C>S CI>S SIM G>F
    Jan 0.20% 0.23% 1.90% 2.16% 2.89% 2.89% 2.89% 2.16% 2.89% 2.89%
    Feb 0.18% 0.71% 3.97% 2.45% 1.44% 1.44% 1.44% 2.45% 1.44% 1.44%
    Mar 0.20% (0.01%) 0.12% (0.08%) 2.85% 0.12% (0.08%)
    (0.08%) 0.12% 0.12%
    Apr 0.20% 0.81% 1.03% 1.15% 2.62% 2.62% 2.62% 1.15% 2.62% 2.62%
    May 0.19% 0.81% 1.41% (0.77%) 3.76% 3.76% 3.76% (0.77%) 0.81% 3.76%
    Jun 0.19% (0.09%) 0.62% 2.33% (0.18%)
    (0.18%) (0.18%) 2.33%
    (0.09%) (0.18%)
    YTD 1.17% 2.48% 9.34% 7.41% 14.10% 11.06% 10.84% 7.41% 8.01% 11.06%

    The I Fund lost for June but continues to lead for the year. Our methods are behind the I Fund but tend to outperform the rest of the Funds. This year we can see among the various methods that it doesn't pay to bet against the I Fund or the C Fund. CI>S is the worst performing of our methods. It has been in the S Fund all year and lost out for avoiding the C & I Funds. Even SIM is falling behind this year because of avoiding the market in May & June. So far at least it has payed to remain fully invested in the market.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  2.  
  3. #266

    Default Re: Alternate LMBF methods

    Here is the monthly return as of July 28, 2017:

    Date G FUND F FUND C FUND S FUND I FUND
    28-Jul-17 0.17% 0.43% 2.13% 1.29% 2.61%
    The best fund is I so the following IFTs take place before noon Monday, July 31, 2017.

    • LMBF-1 Changes from the S Fund to the I Fund
    • LMBF-1 SIM Remains in the F Fund till November
    • LMBF-1 C>S Changes from the S Fund to the I Fund
    • LMBF-1 CI>S Remains in the S Fund
    • LMBF-1 G>F Changes from the S Fund to the I Fund
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  4.  
  5. #267

    Default Re: Alternate LMBF methods

    We will have to wait for the final numbers tonight, but as of today's close the F Fund is our winner for August. That being the case, the following IFT's will take place before noon eastern tomorrow, Aug 31, 2017.

    •LMBF-1 Changes from the I Fund to the F Fund
    •LMBF-1 SIM Remains in the F Fund till November
    •LMBF-1 C>S Changes from the I Fund to the F Fund
    •LMBF-1 CI>S Changes from the S Fund to the F Fund
    •LMBF-1 G>F Changes from the I Fund to the F Fund
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  6.  
  7. #268

    Default Re: Alternate LMBF methods

    Here is the monthly return as of Sep 28, 2017:

    Date G FUND F FUND C FUND S FUND I FUND
    28-Sep-17 0.16% 0.47% 1.69% 3.98% 1.97%
    The best fund is S so the following IFTs take place before noon tomorrow, Sep 29, 2017.


    • LMBF-1 Changes from the F Fund to the S Fund
    • LMBF-1 SIM Remains in the F Fund till November
    • LMBF-1 C>S Changes from the F Fund to the S Fund
    • LMBF-1 CI>S Changes from the F Fund to the S Fund
    • LMBF-1 G>F Changes from the F Fund to the S Fund
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  8.  
  9. #269

    Join Date
    Sep 2007
    Location
    The Woodlands, TX
    Posts
    292

    Default Re: Alternate LMBF methods

    I'm behind again on getting my interfund transfer in.... need life to calm down for a while... and thanks cactus for keeping this up!

  10.  
  11. #270

    Join Date
    Sep 2007
    Location
    The Woodlands, TX
    Posts
    292

    Default Re: Alternate LMBF methods

    As we approach the end of the month, the move out of the I fund to the S fund was a good move.. the C Fund was better but we get a gain instead of a loss.

    I posted about this in a thread in the retirement forum... I retired about 4 1/2 years ago. I was 52 years old but because of my job, ATC, I could withdraw early from my TSP account without penalty under IRS rule 72t. I elected monthly payments that TSP calculates, the formula is based on life expectancy, Fed Fund rate and your account balance at the beginning of every year. Using the LMBF-1 method, my account balance is higher now than when I retired. No contributions, just a monthly withdrawal but my return is higher than the withdrawal amount. Happy me!


  12.  
  13. #271

    Default Re: Alternate LMBF methods

    It looks like the winner for October is the C Fund. That being the case, the following IFTs take place before noon tomorrow, Oct 31, 2017.

    • LMBF-1 Changes from the S Fund to the C Fund
    • LMBF-1 SIM Changes from the F Fund to the C Fund
    • LMBF-1 C>S Remains in the S Fund
    • LMBF-1 CI>S Remains in the S Fund
    • LMBF-1 G>F Changes from the S Fund to the C Fund
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  14.  
  15. #272

    Default Re: Alternate LMBF methods

    It looks like the winner for November is the S Fund. That being the case, the following IFTs take place before noon tomorrow, Nov 30, 2017.

    • LMBF-1 Changes from the C Fund to the S Fund
    • LMBF-1 SIM Changes from the C Fund to the S Fund
    • LMBF-1 C>S Remains in the S Fund
    • LMBF-1 CI>S Remains in the S Fund
    • LMBF-1 G>F Changes from the C Fund to the S Fund
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  16.  
  17. #273

    Join Date
    Sep 2007
    Location
    The Woodlands, TX
    Posts
    292

    Default Re: Alternate LMBF methods

    Nice bump ups in stocks the past couple of months... nice wave to ride.

  18.  
  19. #274

    Default Re: Alternate LMBF methods

    It looks like the winner for December is the C Fund. That being the case, the following IFTs take place before noon tomorrow, Dec 29, 2017.

    • LMBF-1 Changes from the S Fund to the C Fund
    • LMBF-1 SIM Changes from the S Fund to the C Fund
    • LMBF-1 C>S Remains in the S Fund
    • LMBF-1 CI>S Remains in the S Fund
    • LMBF-1 G>F Changes from the S Fund to the C Fund


    Are you feeling whipsawed between the C & S Funds?
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  20.  
  21. #275

    Default Re: Alternate LMBF methods

    Here are the returns for 2017:

    Date G F C S I LMBF-1 C>S CI>S SIM G>F
    Jan 0.20% 0.23% 1.90% 2.16% 2.89% 2.89% 2.89% 2.16% 2.89% 2.89%
    Feb 0.18% 0.71% 3.97% 2.45% 1.44% 1.44% 1.44% 2.45% 1.44% 1.44%
    Mar 0.20% (0.01%) 0.12% (0.08%) 2.85% 0.12% (0.08%) (0.08%) 0.12% 0.12%
    Apr 0.20% 0.81% 1.03% 1.15% 2.62% 2.62% 2.62% 1.15% 2.62% 2.62%
    May 0.19% 0.81% 1.41% (0.77%) 3.76% 3.76% 3.76% (0.77%) .81% 3.76%
    Jun 0.19% (0.09%) 0.62% 2.33% (0.18%) (0.18%) (0.18%) 2.33% (0.09%) (0.18%)
    Jul 0.19% 0.43% 2.05% 1.11% 2.88% 1.11% 1.11% 1.11% 0.43% 1.11%
    Aug 0.19% 0.91% 0.30% (0.41%) (0.03%) (0.03%) (0.03%) (0.41%) 0.91% (0.03%)
    Sep 0.17% (0.48%) 2.06% 4.26% 2.52% (0.48%) (0.48%) (0.48%) (0.48%) (0.48%)
    Oct 0.19% 0.07% 2.33% 1.41% 1.54% 1.41% 1.41% 1.41% 0.07% 1.41%
    Nov 0.19% (0.11%) 3.07% 2.90% 1.06% 3.07% 2.90% 2.90% 3.07% 3.07%
    Dec 0.19% 0.48% 1.11% 0.47% 1.60% 0.47% 0.47% 0.47% 0.47% 0.47%
    YTD 2.33% 3.82% 21.82% 18.22% 25.42% 17.32% 16.90% 12.85% 12.89% 17.32%
    None of our methods beat any of the equity funds but they all produced decent annual returns. LMBF-1 performed best this year due to the C Fund outperforming the S Fund. CI>S was the worst performer due to greater amount of time it spent in the S Fund.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

  22.  
  23. #276

    Join Date
    Sep 2007
    Location
    The Woodlands, TX
    Posts
    292

    Default Re: Alternate LMBF methods

    Whipsawed? Naaa I've been riding the S fund with C>S... ok, we didn't beat staying in one of the equity funds but a 16.90% return is still fantastic. My account went up despite taking a monthly annuity. I think where these methods really do well is in protecting your account from large losses in down years. They will occur but staying ahead of the game is key.

  24.  
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