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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Thread: Maricar19 Account Talk

  1. #157

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by bmcar View Post
    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%..
    I am hoping we get 18cents gain on I fund today....7/31. It's already 647PM and TSP website hasn't posted yet.
    Update: It is 712PM, and still no new share prices at tsp.gov website....i think they are trying to short the I fund again...Grrrr!
    Last edited by Maricar19; 07-31-2015 at 06:15 PM.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  2.  
  3. #158

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by bmcar View Post
    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%..
    Lucky you...you made 29 cents a share in selling your I fund...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  4.  
  5. #159

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

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by userque View Post
    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.

    I thought of that scenario right after I said "no". Thought I would leave it alone.


    I beleive that the contribution allocation was done first and as you stated no difference in the total value of the account. If the IFT was done first, then there would have been shares of S fund in the account due to the contribution allocation. My past experience of making IFTs on the same day payroll allocations were deposited leads me to beleive the IFT happens last. For Example, my CA or payroll allocation is to C fund. On the same day I do an IFT to 100% G. My account balance page when it shows up the next day will show all money and shares in G fund. No C fund shares at all. So I beleive they figure out your closing balance based on what shares you had where, may or may not bother to transact the CA other than put it in the fund you IFTd to.


    Since we don't know what Miracar actually did of what Miracar's actual TSP balance showed the day after Miracar may or may not have done an IFT or changed contribution allocations, I guess we will never know.


    PO

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  7. #160

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by PessOptimist View Post
    I thought of that scenario right after I said "no".

    Since we don't know what Miracar actually did of what Miracar's actual TSP balance showed the day after Miracar may or may not have done an IFT or changed contribution allocations, I guess we will never know.

    PO
    PO, I onlY did a CA, decided against doing an IFT.
    Last edited by Frixxxx; 08-02-2015 at 06:45 PM. Reason: Fix quote! :D
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  8.  
  9. #161

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Lucky you...you made 29 cents a share in selling your I fund...
    8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
    Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!
    Wife is always Right!

  10.  
  11. #162

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by bmcar View Post
    8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
    Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!
    I fund is + .02% as of 12 noon, 8/3. Since Greece tanked, I fund might end as a loss tonight. Uggh..
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1


  12.  
  13. #163

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by bmcar View Post
    8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
    Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!
    Quote Originally Posted by Maricar19 View Post
    I fund is + .02% as of 12 noon, 8/3. Since Greece tanked, I fund might end as a loss tonight. Uggh..
    Bmcar: -16 cents on S and -.03 cents in I. Maybe you should have sold your S instead of I..just kidding.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  14.  
  15. #164

    Default Re: Maricar19 Account Talk

    hey mari, are you connected to bm somehow?
    100g

  16.  
  17. #165

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by burrocrat View Post
    hey mari, are you connected to bm somehow?
    Yes, we are connected somehow...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  18.  
  19. #166

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Yes, we are connected somehow...
    would you care to explain please? in the investing world i think it is called disclosure.
    100g

  20.  
  21. #167

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by burrocrat View Post
    would you care to explain please? in the investing world i think it is called disclosure.
    hahaha Burro, there's no full disclosure clause in Forum section...
    Wife is always Right!

  22.  
  23. #168

    Default Re: Maricar19 Account Talk

    is it like you are luke and bm is darth or something?

    (please skip the heavy breathing).

    also, if one joins a premium service do both get to trade it? like attorney client privelege or something?
    100g

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