Thread: czapor1967's Account Talk

Originally Posted by czapor1967

okay, so I think my plan to "live a little" isn't working out very well... I've gone from in the 680's down to around 903 on the AutoTracker since my move into the I fund at the beginning of the month, in your guys' opinion should I get out or wait it out? I'm not feeling very good about the move now, but then there are systems out there that say that it was time to get into the I fund... I'm really confused here

It's not the move it is the risk you are willing to accept. The Tracker is just a learning tool a comparision and no one will think different if you are 900 or 100 on the Tracker. YOU have to determine how much RISK you can stand in your account. If you started with $100,000.00 and you are currently at $80,000.00 can you afford to go lower or move to the G fund and wait for the market to go up again. Your choice.....Don't worry about Tracker position.

Originally Posted by nasa1974

It's not the move it is the risk you are willing to accept. ... YOU have to determine how much RISK you can stand in your account.

I can see the wisdom in those words.

It's interesting to me when members of this community from whom I've learned much make moves in completely opposite directions. That tells me that (a) people will disagree on what the best move is on a given day and (b) people don't always have the same investment objectives ... their risk tolerance may be different.

For us newbies, the information shared in this community is a bit overwhelming. The learning curve is steep and when you're making monetary decisions, there is some stress ... making money is fun ... losing money not so much.

I believe it's important to have a basic understanding of the reasoning behind a given move. Even with the perfect move, there will be ups and downs. I think I'll tend to be a conservative until I gain some knowledge in how the various funds operate.

One thing I've learned (sometimes the hard way) is that avoiding big losses is as important as making large gains. At least that's where I'm at. Someone who can accept more risk may feel differently. For them, the potential for big gains is worth the occassional downside.

Originally Posted by WhoDey

For us newbies, the information shared in this community is a bit overwhelming. The learning curve is steep and when you're making monetary decisions, there is some stress ... making money is fun ... losing money not so much.

Amen, I have been here for 9 months and still don't have a clue. It's tough. Good Luck.

I know yet another dumb question... I know we're allowed two IFT's per month and I started off the month with one to the I fund, my question is if I decide to go to the G fund is that counted as an IFT? or is that you can move between two of the others and then jump to G after those? Thanks again everyone!

If your IFT was on the 1st day or after, your next move will be you 2nd IFT of the month. Then you can only move to G Fund.
After 2 IFT's you can move any percentage to the G Fund and later you can move another percentage to G Fund etc.

Originally Posted by czapor1967

I know yet another dumb question... I know we're allowed two IFT's per month and I started off the month with one to the I fund, my question is if I decide to go to the G fund is that counted as an IFT? or is that you can move between two of the others and then jump to G after those? Thanks again everyone!

Your 2 IFT's can be used to move your shares to and from any fund. Moving to the G fund would be considered one of your IFT's. Like eccougar said after you have used your 2 IFT's you can make as many moves to the G fund if you still have shares in any of the other funds.

Example 1: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move into the G fund, 100%. You are now in the G fund until April 1st.

Example 2: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move 50/50 S & I. For the rest of the month you actually have 3 options. 1) you do nothing, 2) You can on a daily basis move a little bit out of the S or I fund into the G fund only, and 3) you can use the <1% Option.

thanks Nasa and eccougar... I really appreciate your help, perfect answers!

Sometimes one of the best investment tools available is the blind fold. You can actually have too much knowledge.

Originally Posted by nasa1974

"Example 2: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move 50/50 S & I. For the rest of the month you actually have 3 options. 1) you do nothing, 2) You can on a daily basis move a little bit out of the S or I fund into the G fund only, and 3) you can use the <1% Option."

NASA (or someone) - Please remind me on detail/ explanation of what "the <1% Option" is. Seems I saw it described in blog some time ago but can't recall. Thanks in advance...

Originally Posted by FAAM

NASA (or someone) - Please remind me on detail/ explanation of what "the <1% Option" is. Seems I saw it described in blog some time ago but can't recall. Thanks in advance...

http://www.tsptalk.com/mb/members-ac...read-only.html

wow, I'm really just not good at this at all... my move from I to F has sent me all the way down to the bottom of the tracker to 1001 or so... ugh I should've just stayed where I was, but with all the chatter about greece and war and stuff over there I figured maybe the I fund wasn't the place to be so I bailed out into the F fund just in time for it to drop the very next day... I promise y'all I'll get better at this!

I know I'm not supposed to pay attention to the tracker, but as a competetive person I can't help it... and I do know that it's better to be at the top of it, so that's what I want to do... I kinda went the wrong way... sigh