Roll over to an outside IRA
Partial withdrawal
Monthly Payments based on your specified dollar
Monthly payments based on IRS Life Expectancy
Just leave it with TSP until 70 years old
Not sure yet
Annuity
Other options not mentioned above
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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No to Greed...No to Fear!
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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
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%
Emotions should never play a role in one's investing strategy!
No to Greed...No to Fear!
http://share.robinhood.com/mariloc1
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
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
My past experience says it will buy first at closing prices and then do the IFT.
PO
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%
No.
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.
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