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Thread: Last Month's Best Fund Method Strategy

  1. #265

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    Mar 2012
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    Default Re: Last month best fund method

    I think I might follow this method. Does the switch need to be exactly on the 1st day of the month?

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  3. Default Re: Last month best fund method

    On the first of the month I wasn't able to make the transfer in time. It would have been on the second, so I deviated from the LMBF method and kept my stuff in the S Fund because I didn't like what the I fund was doing. I know we still have a week before the next transfer, but I'm glad I did! While it's looking like the April's transfer will be to the C Fund, the S Fund isn't doing too bad.

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  5. #267

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    Default Re: Last month best fund method

    Quote Originally Posted by Rifleman View Post
    I think I might follow this method. Does the switch need to be exactly on the 1st day of the month?
    This thread tracks data based on the end of the month, yes. You can do it whatever date you want, and your results will vary. Your decision on where to put your money is yours- no one else knows you, your risk tolerance, your future goals, or what you would like to do with your money. That's purely up to you.

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  7. #268

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    Mar 2012
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    Default Re: Contribution Allocation Questions

    I have another question, please remember my Newbness, will it mess things up if I keep like 30 in the G fund and then move my other 70 around doing to last months best fund? Or am I over thinking it?

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  9. #269

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    Default Re: Contribution Allocation Questions

    Quote Originally Posted by Rifleman View Post
    I have another question, please remember my Newbness, will it mess things up if I keep like 30 in the G fund and then move my other 70 around doing to last months best fund? Or am I over thinking it?
    That would be a more conservative way to handle your account. The 30% in G would always be safe from losses, but wouldn't make any money for you either. As far as whether it would "mess things up", you would probably think so if the LMBF was making money, but wouldn't think so if it was losing. You would end up with a different return, yes.

    After getting frustrated by the market last year, I thought I might follow this system this year. Others suggested I use it as an indicator to consider when making my own decisions. That's how I use this and the Sentiment Survey now. I don't follow them exactly, but take them into account when deciding what to do with my money. I also look at whether the market is bull or bear, and where the S&P's daily price is in relation to the major moving averages (20, 50, & 200 days). It's a lot to think about when you're new. Good luck!

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  11. #270

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    Default Re: Contribution Allocation Questions

    Rifleman, if you keep some money in G it means that money is not in equities, "out of risk". If markets move up, you'll make less (about 30% less given your example). If markets move down, you'll lose less (again, about 30%). The G fund is considered a cash equivalent and will keep your value in real $$s.
    2011: 12.73%; 2012: 16.44 %, 2013: 17.46%, 2014: 5.35 ; Past 12 months 6.81% as of 01/31/2015



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  13. #271

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    Default Re: Contribution Allocation Questions

    LAST MONTH BEST FUND: for March 31, 2012

    Well, we HAD been in the "I" fund in March, as a result of February's data. Once again it shows that chasing return isn't always the best path. But we did get a positive return for the month, although only a small one.

    For March, it turns out "C" was the best performer, earning over 3%, so we will initiate an IFT to move from the "I" fund to the "C" fund, and we'll hope for some more positive stuff.
    month-03-2012.jpg
    Be careful out there.

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  15. #272

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    Default Re: Contribution Allocation Questions

    Well, this isn't very nice. The "Last Month Best Fund" method didn't look so good in April after all.

    For April we finish up with a falling C fund, and that means we slip back at bit.

    The best fund for April was the "F" fund. So...of course, we'll move INTO "F" effective at the close of business tomorrow.

    A IFT trade then out of "C" fund, and into "F" fund is called for.

    lmfmarch.jpg

    Moving to the "F" fund before noon tomorrow, effective COB tomorrow afternoon.

    Good luck.

    (LMBF method return for 2012 right now is positive +5.74% for the year)

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  17. #273

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    Mar 2012
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    Default Re: Contribution Allocation Questions

    What is the best way to see the best performing fund for the month of May? I keep pulling up 1day, 5day, then 3 month or yearly, I have a feeling I am not looking in the right place, it shouldn't be this hard...

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  19. #274

    Default Re: Contribution Allocation Questions

    F Fund was best fund in May at 0.91%
    100% S Fund COB 6 March 2015

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  21. #275

    Default Re: Contribution Allocation Questions

    Quote Originally Posted by Rifleman View Post
    What is the best way to see the best performing fund for the month of May? I keep pulling up 1day, 5day, then 3 month or yearly, I have a feeling I am not looking in the right place, it shouldn't be this hard...
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  23. #276

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    Default Re: Contribution Allocation Questions

    Foregive me Father for I have sinned, and failed to post the LAST MONTH BEST FUND results for May before the noon deadline.

    That's ok, because this time there is NO CHANGE.

    For May, the "F" fund once again was the best of the pack. Meaning NO IFT this month, and continued success using the LAST MONTH BEST FUND method.


    Stays put in "F" - no IFT needed.

    Enjoy.

    6-01-2012.JPG

    Sorry I wasn't paying close attention. I SHOULD be following this myself. Instead. I suckered myself into thinking the S fund was good, so I'm personally a bit bloody right now. I have GOT to get myself some LMBF discipline!



    LMBF method return for 2012 right now is positive +7.43% for the year and on a roll! )

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