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Thread: Felinecrl's Account Talk

  1. #1

    Default Felinecrl's Account Talk

    Today, I am doing something that I've never done before. I am watching the market to get up-to-the-minute trading information to determine if I should continue to leave my allocations in the S, F and L2050, as they have been going downhill for the last couple days, at least. Based on when I initially allocated the funds in those, it appears, I'm still in the black, but considering what's happening, that will be short-lived. I think my instincts and the little logic I have about investing, this makes sense. LOL! Well, I will determine this before noon EDT today, so we shall see. Have a great weekend!


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  3. #2

    Default Felinecrl Account Talk

    I think it's time to diversify my account a bit broader than previous investments in L2050, F and S.

    IFT effective 1/31/2017: L2050 10%- C Fund 5%- S Fund 75%- I Fund 10%

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  5. #3

    Default Re: Felinecrl Account Talk

    Welcome aboard! Gutsy move with the markets going volatile like they are...GOOD LUCK!

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  7. #4

    Join Date
    Jul 2016
    Location
    Texas
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    2,274

    Default Re: Felinecrl Account Talk

    Quote Originally Posted by felinecrl View Post
    I think it's time to diversify my account a bit broader than previous investments in L2050, F and S.

    IFT effective 1/31/2017: L2050 10%- C Fund 5%- S Fund 75%- I Fund 10%
    Good Luck. Why the 10% L2050? Just curious as to what your logic is, rather than just sticking with the basic funds.

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  9. #5

    Default Re: Felinecrl Account Talk

    My logic was trying to diversify a bit. If one or two markets start to fall, surely one or two of the others will stabilize or rise, but based on what happens, it gives me an edge and time to make an IFT. LOL! That may not sound logical at all, but hopefully it will work. So far, not so bad.

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  11. #6

    Default Re: Felinecrl Account Talk

    The L funds are a mix of the basic G, F, C, S and I funds. Right now, the L2050 is the most aggressive with about 83% in the equity funds (S, C and I funds) while about 17% are in the G and F funds. So the 10% you have in L2050 is comprised of about 8.3% in equities and 1.7% in G and F. Your doing good because about 98% of your money is in equities and the market is doing great right now.

    Here is link to TSP.gov link that shows tabs that show the make up of the various L funds. The higher the number (i.e. L 2050 in comparison to say L2020) the more that is in equities. These L funds were developed to help folks properly allocate more of their retirement to riskier equities when they are young and have a long time (2050)before they retire and as they get older and time passes the allocation for the L2050 will eventually be changed overtime so less is put into riskier equities and more will be allocated to the safest fund, the G fund but that fund gains very little due to that safety. You can play with the slider bar below the pie chart at this link to see how the allocations change over time. For example, by 2045 the L2050 fund will only be putting about 50%into equities.

    https://www.tsp.gov/InvestmentFunds/...nce_L2050.html


    Best wishes to you Feline!!!!!!!
    Last edited by DreamboatAnnie; 02-17-2017 at 08:56 PM.
    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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  13. #7

    Default felinecrl's Account Talk

    Effective COB, I am heading back to the low risk hills of the G fund. I think investors are a bit skiddish right now with all that's going on, so I will sit back and see what happens at least throughout the weekend. If the funds don't fall too much I will be back in the highlands probably on Monday.
    Happy investing everyone!

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  15. #8

    Join Date
    Sep 2007
    Location
    Illinois :(
    Posts
    467

    Default re: felinecrl's Account Talk

    I quit doing small moves based on hunches a long time ago. They decreased my net worth exponentially 😭

    With limited moves in tsp, I've found 2-3 week moves much more profitable since things have time to work themselves out.

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  17. #9

    Default re: felinecrl's Account Talk

    Quote Originally Posted by JamesE View Post
    I quit doing small moves based on hunches a long time ago. They decreased my net worth exponentially 

    With limited moves in tsp, I've found 2-3 week moves much more profitable since things have time to work themselves out.
    That is good information to take into consideration, JamesE. It depends on how things look on next week, but I may stay in the G long enough to see if things start to remain steady or look like an uptick, prior to moving again. I'd rather take the little gains that I have, rather than waiting too long as I have in the past, and lost my gains quite rapidly.


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  19. #10

    Join Date
    Sep 2007
    Location
    Illinois :(
    Posts
    467

    Default re: felinecrl's Account Talk

    It's all about perspective and tolerance. I learned to change my perspective and ignore my tolerance.

    Old Birchtree used to say that you should be scared to death while you are in the market, that's when you make money. We've got to make money while we can, this bull will not be around forever.

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  21. #11

    Default re: felinecrl's Account Talk

    Quote Originally Posted by JamesE View Post
    It's all about perspective and tolerance. I learned to change my perspective and ignore my tolerance.

    Old Birchtree used to say that you should be scared to death while you are in the market, that's when you make money. We've got to make money while we can, this bull will not be around forever.
    Very true. Have to risk to advance.

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  23. #12

    Default Re: Felinecrl's Account Talk

    I rode the I Fund train long enough, and now that its continuously going slowly down hill, it's time to get off and hop onboard the G train. Good luck on next week everyone! :-)

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