Here is the monthly return as of 7/30/15:
The C Fund is indeed the winner for July.
Date G Fund F Fund C Fund S Fund I Fund 30-July-15 0.19% 0.45% 2.33% (0.43%) 0.95%
We will have to wait until tonight to get the final figures, but it looks like the C Fund is the winner for July. That being the case, the following IFTs take place before noon tomorrow, 7/31/2015:
- LMBF-1 Changes from the G Fund to the C Fund
- SIM Remains in the F Fund til November
- C>S Changes from the G Fund to the S Fund
- CI>S Changes from the G Fund to the S Fund
- G>F Changes from the F 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%
Here is the monthly return as of 7/30/15:
The C Fund is indeed the winner for July.
Date G Fund F Fund C Fund S Fund I Fund 30-July-15 0.19% 0.45% 2.33% (0.43%) 0.95%
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%
Here are the monthly returns as of 8/28/2015.
The best fund is G so the following IFTs take place before noon eastern Monday, 8/31/2015:
Date G FUND F FUND C FUND S FUND I FUND 28-Aug-2015 0.16% (0.05%)
(5.24%) (5.23%) (6.77%)
- LMBF-1 Changes from the C Fund to the G Fund
- LMBF-1 SIM Remains in the F Fund till November
- LMBF-1 C>S Changes from the S Fund to the G Fund
- LMBF-1 CI>S Changes from the S Fund to the G Fund
- LMBF-1 G>F Changes from the C 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%
We will have to wait until tonight to get the final figures, but it looks like the F Fund is the winner for September. That being the case, the following IFTs take place before noon tomorrow, 9/30/2015:
- LMBF-1 Changes from the G Fund to the F Fund
- SIM Remains in the F Fund til November
- C>S Changes from the G Fund to the F Fund
- CI>S Changes from the G Fund to the F Fund
- G>F Remains in the F Fund
Congratulations to G>F! That has paid off for it again. That's the 2nd time this year. The previous month was July.
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%
Here is the monthly return as of 9/30/15:
The F Fund is indeed the winner for September.
Date G Fund F Fund C Fund S Fund I Fund 30-Sep-15 0.17% 0.72% (4.30%) (6.35%) (7.03%)
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%
Here are the returns through the 3rd Quarter of the year:
It was another horrible month for equities. It's time for a bounce here, wouldn't you say?
G F C S I LMBF-1 C>S CI>S SIM G>F Jan 0.18% 2.13% (2.99%) (1.85%) 1.19% (1.85%) (1.85%) (1.85%) (1.85%) (1.85%) Feb 0.13% (0.91%) 5.75% 6.05% 5.97% (0.91%) (0.91%) (0.91%) (0.91%) (0.91%) Mar 0.16% 0.47% (1.57%) 1.24% (1.43%) 1.24% 1.24% 1.24% 1.24% 1.24% Apr 0.15% (0.28%) 0.96% (1.50%) 4.11% (1.50%) (1.50%) (1.50%) (1.50%) (1.50%) May 0.17% (0.26%) 1.29% 1.84% (0.42%) (0.42%) (0.42%) 1.84% (0.26%) (0.42%) Jun 0.17% (1.07%) (1.93%) (0.71%) (2.80%) (0.71%) (0.71%) (0.71%) (1.07%) (0.71%) Jul 0.19% 0.74% 2.10% (0.12%) 2.08% 0.19% 0.19% 0.19% 0.74% 0.74% Aug 0.18% (0.11%) (6.03%) (5.80%) (7.36%) (6.03%) (5.80%) (5.80%) (0.11%) (6.03%) Sep 0.18% 0.75% (2.47%) (4.80%) (5.02%) 0.18% 0.18% 0.18% 0.75% 0.75% YTD 1.51% 1.44% (5.24%) (5.98%) (4.33%) (9.55%) (9.32%) (7.27%) (2.96%) (8.53%)
So, is anyone sill following these methods? Looking at the YTD things haven't gotten any better. There's still a lot of red in there.
What can we say? Our methods didn't lose anything this month because none of them were in equities. C>S still does better than LMBF-1 and CI>S still does better than both of them. But that doesn't buy you anything because they are all worse than our equity funds. This is not a buy-N-hold year but you would still do better to B&H than follow these methods. What do you think?
On the positive side, SIM is doing better then the other methods and all 3 equity funds. But why stop there? If you had B&H F Fund all year you would be doing even better and be positive to boot. This is just not the year for our methods. But I said that last year as well; and the year before that was disappointing too. It does look like another case of a system falling apart as soon as I analyze it. Does that mean it's time for it to turn around? I don't know. All I see is we are on course to having our worst year ever.
One more positive note is G>F. For the second time this year it parted company with LMBF-1 and on both occasions it profited from that course of action. By itself G>F isn't doing that great this year, but it still remains a viable option for a jump to safety move in some other system if you have one.
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%
Sorry, these are late. I got busy and totally spaced it out. The best you can do now is get in Monday before noon. That will be going back to LMBF instead of LMBF-1.
Here are the monthly returns as of 10/29/2015.
The best fund is C so the following IFTs take place before noon eastern Friday, 10/30/2015:
Date G FUND F FUND C FUND S FUND I FUND 29-Oct-2015 0.16% (0.10%) 8.97% 5.75% 7.06%
- LMBF-1 Changes from the F Fund to the C Fund
- LMBF-1 SIM Changes from the F Fund to the C Fund
- 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 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%
Here are the monthly returns as of 11/27/2015.
The best fund is S so the following IFTs take place before noon eastern Monday, 11/30/2015:
Date G FUND F FUND C FUND S FUND I FUND 27-Nov-2015 0.16% (0.31%)
0.77% 2.18% (0.57%)
- 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%
Here are the results through November:
They are not much to look at I'm afraid. You'd be better off in any of our TSP funds than following our methods. Looks like the SIM variant came through again against the other LMBF-1 methods. This looks like the worst year yet for our methods.
G F C S I LMBF-1 C>S CI>S SIM G>F Jan 0.18% 2.13% (2.99%) (1.85%) 1.19% (1.85%) (1.85%) (1.85%) (1.85%) (1.85%) Feb 0.13% (0.91%) 5.75% 6.05% 5.97% (0.91%) (0.91%) (0.91%) (0.91%) (0.91%) Mar 0.16% 0.47% (1.57%) 1.24% (1.43%) 1.24% 1.24% 1.24% 1.24% 1.24% Apr 0.15% (0.28%) 0.96% (1.50%) 4.11% (1.50%) (1.50%) (1.50%) (1.50%) (1.50%) May 0.17% (0.26%) 1.29% 1.84% (0.42%) (0.42%) (0.42%) 1.84% (0.26%) (0.42%) Jun 0.17% (1.07%) (1.93%) (0.71%) (2.80%) (0.71%) (0.71%) (0.71%) (1.07%) (0.71%) Jul 0.19% 0.74% 2.10% (0.12%) 2.08% 0.19% 0.19% 0.19% 0.74% 0.74% Aug 0.18% (0.11%) (6.03%) (5.80%) (7.36%) (6.03%) (5.80%) (5.80%) (0.11%) (6.03%) Sep 0.18% 0.75% (2.47%) (4.80%) (5.02%) 0.18% 0.18% 0.18% 0.75% 0.75% Oct 0.17% 0.02% 8.45% 5.61% 7.07% 0.02% 0.02% 0.02% 0.02% 0.02% Nov 0.17% (0.24%) 0.31% 1.75% (0.86%) 0.31% 0.31% 1.75% 1.75% 0.31% YTD 1.86% 1.21% 3.08% 1.03% 1.55% (9.25%) (9.03%) (5.63%) (1.25%) (8.24%)
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%
Well it looks like the G Fund is the winner for December. The C Fund came close yesterday but just could not pull it off today. So that being the case the following IFT's for January will take place before noon eastern tomorrow, Dec 31, 2015.
- LMBF-1 Changes from the S Fund to the G Fund
- LMBF-1 SIM Changes from the S Fund to the G Fund
- LMBF-1 C>S Changes from the S Fund to the G Fund
- LMBF-1 CI>S Changes from the S Fund to the G Fund
- LMBF-1 G>F Changes from the S 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%
They better be or I messed up again. Even if they are only open half a day your TSP IFT should go through as long as you get it in on time.
Remember that the LMBF-1 methods choose their Best Fund on the penultimate trading day so you can get your IFT in by the end of the month. That is what the -1 means. We throw away the last day to enter the new month invested in the new fund. This was the initial difference between these methods and James' LMBF which entered after the first day of the month.
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%
S&P500 (C Fund) (delayed) (Stockcharts.com Real-time) |
DWCPF (S Fund) (delayed) (Stockcharts.com Real-time) |
EFA (I Fund) (delayed) (Stockcharts.com Real-time) |
BND (F Fund) (delayed) (Stockcharts.com Real-time) |
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Yahoo Finance Realtime TSP Fund Tracking Index Quotes |
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