View Poll Results: Which TSP option/s did or will you choose upon Retirement?

Voters
119. You may not vote on this poll
  • Roll over to an outside IRA

    26 21.85%
  • Partial withdrawal

    17 14.29%
  • Monthly Payments based on your specified dollar

    32 26.89%
  • Monthly payments based on IRS Life Expectancy

    5 4.20%
  • Just leave it with TSP until 70 years old

    19 15.97%
  • Not sure yet

    29 24.37%
  • Annuity

    0 0%
  • Other options not mentioned above

    6 5.04%
Multiple Choice Poll.
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Results 145 to 156 of 351

Thread: Maricar19 Account Talk

  1. #145

    Default Re: Maricar19 Account Talk

    To move the present funds now would require an IFT and would be processed at Mondays COB price. A change in allocation on contributiion only affects future contributions. That would probably tke effect next period.
    Don't take my comments as trading advice /IFT: 2-13-24=100G/https://www.theepochtimes.com/ & http://www.ewg.org/PermaCharts@p430#5159/strategy#4918p.410

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  3. #146

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by DreamboatAnnie View Post
    To move the present funds now would require an IFT and would be processed at Mondays COB price. A change in allocation on contributiion only affects future contributions. That would probably tke effect next period.
    Today is payday, and I forgot TSP will be closed. I wanted to change my contribution allocation. I should have done it yesterday so that it would be yesterday's prices.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

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  5. #147

    Default Re: Maricar19 Account Talk

    Friday is payday. Should I allocate my payroll contribution to buy C, S, or I fund? I guess, I'll wait until Friday 1145 AM to see which is the cheapest buy...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

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  7. #148

    Default Re: Maricar19 Account Talk

    Wow, your payroll contribution goes in at noon and you can make changes to your allocation 15 minutes before then? When I change my payroll allocation it says it will take affect the next pay period.
    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%

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  9. #149

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Cactus View Post
    Wow, your payroll contribution goes in at noon and you can make changes to your allocation 15 minutes before then? When I change my payroll allocation it says it will take affect the next pay period.
    It's payday Friday...they don't buy until the end of the day...
    but I'll check if I am right..or wrong.
    i'll do an allocation change this Friday before noon and I'll let you know Saturday what happens
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  10.  
  11. #150

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Cactus View Post
    Wow, your payroll contribution goes in at noon and you can make changes to your allocation 15 minutes before then? When I change my payroll allocation it says it will take affect the next pay period.
    Contribution Allocations: Civilian
    Cactus, here's the message from TSP website:
    ".... You can change your contribution allocation by clicking Request Contribution Allocation. Your new contribution allocation will apply to all new money being deposited to your account. A contribution allocation requested before 12:00 noon, Eastern time, on a business day will generally be processed that night..."
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  12.  
  13. #151

    Default Re: Maricar19 Account Talk

    Payday today, I changed my contribution allocation to all "S" fund.

    Pending contribution allocation request submitted 07/31/2015.
    You have a pending contribution allocation request that should be effective as of close of business 07/31/2015. You may change or cancel this request until 12:00 noon, Eastern time, that day. (Only one request can be effective each day.)

    But of course, this will be negated if I decide to do an IFT to all "G" before the 12 noon. Or will it "buy" first the S and then sell back and move to G?
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  14.  
  15. #152

    Join Date
    Oct 2008
    Location
    Stinking desert valley of bad air quality, AZ
    Posts
    2,993

    Default Re: Maricar19 Account Talk

    My past experience says it will buy first at closing prices and then do the IFT.

    PO

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  17. #153

    Default Re: Maricar19 Account Talk

    Does it really make a difference? Don't you end up with the same number of G Fund shares either way?
    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%


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  19. #154

    Join Date
    Oct 2008
    Location
    Stinking desert valley of bad air quality, AZ
    Posts
    2,993

    Default Re: Maricar19 Account Talk

    No.

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  21. #155

    Join Date
    Jan 2014
    Posts
    7,885
    Blog Entries
    10

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by PessOptimist View Post
    My past experience says it will buy first at closing prices and then do the IFT.

    PO
    I must assume that by "buy first" you mean the contribution allocation since you later refer specifically to the IFT.

    If the CA buys S at closing prices, then the IFT sells those same S shares at the same closing price, then there is no difference.

    BUT, if the IFT is done first--again, which you don't seem to be suggesting--the OP will be left if S shares in their account due to the CA.

    Interesting situation that I never considered before. But since I always do both at the same time, and have never noticed any residual shares lingering about afterwards, I must conclude that the CA is done first, (if at all since it will be overridden by the IFT--as the OP points out), and the IFT done second.
    [COLOR=#0000ff][FONT=comic sans ms][I]"In the land of idiots, the moron is King."--Unknown[/I][/FONT][/COLOR]

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  23. #156

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Friday is payday. Should I allocate my payroll contribution to buy C, S, or I fund? I guess, I'll wait until Friday 1145 AM to see which is the cheapest buy...
    I did a contribution allocation from 50/50 S/I to 100 S. I guess S is the cheapest so far. I also did an IFT from 50I to 50G.
    i should have sold on July 14 as you did...I was at 5.2% then, but being greedy I stayed awhile..now I am down to 3%..
    Wife is always Right!

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