Actually, you only need to put in 5% to get the full matching contribution from your agency. But that additional 1% won't hurt.
https://www.tsp.gov/planparticipatio...ibutions.shtml
Hmmm, well I transfered some of my TSP money into a USAA IRA (rollover not Roth) and when I made my initial purchase of ProFunds, they said there was a minimum investment of $15000? So if I try buying with say $5000, they would let the trade go through? And they did charge me $75 too............
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Actually, you only need to put in 5% to get the full matching contribution from your agency. But that additional 1% won't hurt.
https://www.tsp.gov/planparticipatio...ibutions.shtml
One other thought, I understand there is supposed to be a Roth option in the TSP in 2011. Could be lower fees than some of the commercial brokerages. Haven't really seen any information about how it is to be structured and what fund options will be available though. Hmmm.
https://www.tsp.gov/PDF/formspubs/oc06-5.pdf
How do expense ratios work exactly? I know that when holding mutual funds long-term, high expense ratios can really eat into your profits. I see Vanguard with really low ratios (.18%), and other ones, specifically the short-term trade fund families, with very high ratios (1.7%). How does this affect the trading strategy when choosing funds with varying expense ratios, or is it not as big a concern since you are expecting such high returns?
Also, how are these expense ratios deducted from your account, especially if the funds are bought and sold numerous times a year?
Thanks!
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I don't have the answers to these questions. Since I trade my accounts and don't hold them for long periods, I don't really pay much attention to expense fees.
Perhaps Mr. Birchtree could answer. As long as he doesn't come in preaching about the greatness of buy and holding................
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[/QUOTE]With Vanguard, they have so many good funds to choose from that the 60-day rule isn't much of an issue. You simply choose a different stock fund (and one of the ones that has no fees) when you want back in the market. So in effect there are no limits to trading in and out with Vanguard, and you could use all of IT's buy/sell signals to your full advantage and do better than in the TSP. I've been doing that for many years with my daughters college funds, and consistently doing better than my TSP account. You also don't have the silly TSP noon deadline, you can make your move any time right up to just before the closing bell. I will never understand why TSP won't allow that. With the monthly limit on moves, what's the logic of eliminating that small advantage of being able to make the decision late in the trading day?[/QUOTE]
I noticed that, right now I've been able to manuever around the 60-day rule doing pretty much doing the same thing, just wondering if there was a better way. There's many Vanguard funds that match up well with the C fund, but beyond the Extended Market Fund, I need to do some research to see what other funds match up well with the S fund. I like Vanguard mostly becasue of the low fees (which is why I dumped Janus finally, almost 2% on some of their funds ).
But like I mentioned before, I'm fairly new to this stuff, so I'm still learning. For years I just dumped money into the L funds, it feels good to be actively managing my $.
Can't say I've noticed that, but then again, last year I didn't make many trades, I stayed long and bought my way to the top, then made a final exit in October to loan the money to a family member. My Mutual funds for this year are long-term holdings with a manual trailing stop.
Bear in mind, unless you have a day traders account, each time you sell something, you'll have to wait 3 days for the funds to settle.
Retired, 10G/90C_ BLOG: Stats for April, 2024 Stats
IT,
is a day traders account easy to open at brokerages such as Scottrade or Fidelity?
S&P 500 and Dow appear to be topping at 1300 and Dow 12000 and Commodities are moving lower.... Does not bode well for overall Market direction ?? I'm looking for a move to F Fund with your System very soon... 2/1/11 Will tell.
S&P500 (C Fund) (delayed) (Stockcharts.com Real-time) |
DWCPF (S Fund) (delayed) (Stockcharts.com Real-time) |
EFA (I Fund) (delayed) (Stockcharts.com Real-time) |
BND (F Fund) (delayed) (Stockcharts.com Real-time) |
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Yahoo Finance Realtime TSP Fund Tracking Index Quotes |
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