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Thread: Maui's Account Talk

  1. #1

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    Default Maui's Account Talk

    Been investing in TSP for a year now, so kinda low account balance.

    Currently sitting 100% C-fund as of November 1st after some bad moves in and out of the C and F throughout the Summer. Negative for the year so far, but hoping to recover with a year-end boost in the C and S funds.

    Current Allocation: 100% C


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  3. #2

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    Default Re: Maui's Account Talk

    Welcome to the Forum maui21ice, market is slow now and nobody knows which way it will go, most think we are due for a drop and a Santa rally but that may not be true.
    Get on the Auto Tracker and see what everyone is doing, something is going to happen.
    Best of luck
    Norman



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  5. #3

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    Default Re: Maui's Account Talk

    Welcome aboard Maui.

    Plenty to learn and you have lots of time to your advantage.

    Good luck!!
    Rules:
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  7. #4

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    Default Re: Maui's Account Talk

    Thanks nnuut and RealMoney.

    I joined the Autotracker back in October at the beginning of the month and forgot to line it up with my real TSP account mid-month when I did a jump to the F-fund. So I lostmoney the end of Oct in my real world account, but gained it all back on here. Wish it woulda been vice versa!

    Looking at the amount of people in the S-fund right now on top this year makes me wish I'd jump to that instead of the C, but I plan on staying patient and not wasting my 2 IFT this early in Nov.

    I plan on probably going S the last few days of November to catch the historically good December S-Fund gains.

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  9. #5

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    Default Re: Maui's Account Talk

    Welcome to the boards, Maui!! (R u in Maui, or some other connection?)
    I have written lots of time to new TSP'ers. Maybe I can give you a little different perspective on how you might want to do your allocations.

    I have been in TSP/FERS since its inception, having transferred in from CSRS. In the early years I set up all in equities (C,S,I) and just put as much in as possible....using Dollar Cost Averaging (DCA) as my investment plan. No matter if the market went up or down, if it went down I just was able to buy at lower prices. And when you are just starting out, you have plenty of time for the market to recover from any downturns.

    As you get closer to retirement, you don't have as much time to recover so you need to be a little more careful (of course I am now 45%C and 55%S ).

    Just look at this year. If you went all C and left it there the whole year, you would be in the top 50 on the AutoTracker (#27 actually) at 12%! Not too shabby....Plus you would have gotten add'l $ from the DCA'ing!! Even if you were in C and S all year, u would be at 10%, #62. Or all S, 6.4%. Or 20% each, 4.9%. And again, for all of these, you would have significantly more from the DCA.

    The Key when you are starting out is to just put in as much as you can. Moving it around a lot can be detrimental.

    At least it is something to consider. (This is the time for Birchtree to chime in also!)
    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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  11. #6

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    Default Re: Maui's Account Talk

    Quote Originally Posted by uscfanhawaii View Post
    Welcome to the boards, Maui!! (R u in Maui, or some other connection?)

    I have been in TSP/FERS since its inception, having transferred in from CSRS. In the early years I set up all in equities (C,S,I) and just put as much in as possible....using Dollar Cost Averaging (DCA) as my investment plan.
    Just a huge fan of Hawaii and hope to get there on vacation in the near future. I use the name Maui Ice as my Fantasy Football team names usually.

    That's actually a big help advice-wise! I have 29 more years of Federal Service to go (plus 4 years military I'm buying back), so I'm going to stay between C/S funds as much as possible early on like you said. What exactly is Dollar Cost Averaging? I've been taking a look at Seasonal Strategies lately and trying to apply them to my IFT's. I just recently started that so not much progress yet, but was figuring on starting there until I get a grasp on things.

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  13. #7

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    Default Re: Maui's Account Talk

    Quote Originally Posted by maui21ice View Post
    .... What exactly is Dollar Cost Averaging? I've been taking a look at Seasonal Strategies lately and trying to apply them to my IFT's. I just recently started that so not much progress yet, but was figuring on starting there until I get a grasp on things.
    For DCA, you set your allocation to, say, 50/50 C/S. As the funds come in, they will purchase at the current price. You buy fewer shares when prices are high, and more shares when prices are low, since you are buying with a fixed dollar amt. So you don't care if the market goes up or down. What you are depending on is that the market will eventually go up over the long term. That is why it works best if you have a long time to ensure that you can outlast any downturns. Hope that helps.
    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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  15. #8

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    Default Re: Maui's Account Talk

    Seeing a lot of allocations switch to F and G this weekend. I'm sitting 100% in C right now, but feel like there will still be a big run-up toward the end of the year.

    Already used 1 IFT to go C on November 3rd in my real world TSP, so I don't want to waste one now just to be stuck in the G or F up til 1st week of December.

    Gotta risk it, to get the biscuit...

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  17. #9

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    Default Re: Maui's Account Talk

    I take everything from my last post back.
    Seeing a lot of people with higher account balances and percentages YTD than me move to F or G funds. So I'm following their lead and joining the safe-haven.

    100% F-fund IFT submitted today for COB Monday.


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  19. #10

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    Default Re: Maui's Account Talk

    With switching from the C to the F, I have like a 10 day streak of gains going. Hopefully this keeps up.

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  21. #11

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    Default Re: Maui's Account Talk

    Going S-fund today...

    S-fund has been positive every single December except 3 times since 1988. Historically one of its stronger months.

    Happy Thanksgiving fellow investors!!

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  23. #12

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    Default Re: Maui's Account Talk

    Waiting for my S-fund allocation and IFT to kick in next Monday, so a .81% drop in the fund today was a nice surprise since the S is sitting so high right now. Looking at the seasonal approach and strategy I've been trying to stick to, I'm suppose to stay S fund for all December. However, I'm wondering if the market will drop the first 2 weeks of December and pick up id-way through for a surge through the end of 2014...

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