<1%IFT Option

**squalebear** · 03-23-2009, 01:48 PM

9:47am - Monday - March 23, 2009 Combined Loss/Gain:
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)88.99%----> 000.0000
(f)05.00%------->(f)05.00%----> 000.0000
(c)01.96%------>(c)02.01%.----> 000.0000
(s)01.95%------>(s)01.99%.----> 000.0000
(.i)01.98%------>(.i)02.01%----> 000.0000

**squalebear** · 03-23-2009, 02:21 PM

Several key factors are playing here concerning the (I) Fund. EAFE INDEX
is up only +1.98% and the EFA is up +3.07% currently. This is a pretty big
difference between the two. My estimate of increase within the (I) Fund
is based on the deficit and my guess that they will payback some of it
today.

10:21am - Monday - March 23, 2009 Combined Loss/Gain:
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)88.94%----> 000.0000
(f)05.00%------->(f)04.99%----> 000.0000
(c)01.96%------>(c)02.03%.----> 000.0000
(s)01.95%------>(s)02.01%.----> 000.0000
(.i)01.98%------>(.i)02.05%----> 000.0000

If this was 11:40am, I'd be debating over leaving my funds alone for
today and gaining the ability to raise them (C,S,I) to 3% for Wednesday.
OR
Making a <1%IFT today 89-5-2-2-2 which would pull my profits out of
the stock funds and absorb a minor loss in the bond fund. This wouldn't
be seen until tomorrow morning, but executed today before noon.

**squalebear** · 03-23-2009, 04:19 PM

Monday - March 16, 2009 Combined Loss/Gain: +0.01%/+0.02%
Opening................<1%IFT............Share s +/-
(g)89.00%------>(g)93.00%----> -270.2274
(f)04.00%------->(f)04.00%----> +000.4281
(c)03.00%------>(c)01.00%----> +125.7221
(s)02.00%------>(s)01.00%----> +112.8052
(.i)02.00%------>(.i)01.00%----> +105.7694

Tuesday - March 17, 2009 Combined Loss/Gain: +0.09%/+0.01%
Opening................<1%IFT............Share s +/-
(g)93.00%------>(g)93.00%----> +380.2322
(f)04.00%------->(f)04.00%----> +000.5606
(c)01.00%------>(c)01.00%----> -277.0250
(s)01.00%------>(s)01.00%----> -117.3355
(.i)01.00%------>(.i)01.00%----> -110.1832

Wednesday - March 18, 2009 Comb. Loss/Gain: +0.14%/+0.01%
Opening................<1%IFT............Share s +/-
(g)93.00%----->(g)XX.XX%----> +007.3815
(f)04.00%------>(f)XX.XX%----> +000.9255
(c)01.00%------>(c)XX.XX%---> -004.2013
(s)01.00%------>(s)XX.XX%---> -004.1519
(.i)01.00%------>(.i)XX.XX%---> -002.0966

Thursday - March 19, 2009 Combined Loss/Gain: -0.01%/+0.01%
Opening................<1%IFT............Share s +/-
(g)92.87%------>(g)89.00%----> 000.0000
(f)04.05%------->(f)05.00%----> 000.0000
(c)01.02%------>(c)02.00%----> 000.0000
(s)01.03%------>(s)02.00%----> 000.0000
(.i)01.03%------>(.i)02.00%----> 000.0000

Friday - March 21, 2009 Combined Loss/Gain: -0.12%/+0.01%
Opening................<1%IFT............Share s +/-
(g)89.00%------>(g)XX.XX%----> -372.1313
(f)05.00%------->(f)XX.XX%----> +093.2639
(c)02.00%------>(c)XX.XX%----> +133.3498
(s)02.00%------>(s)XX.XX%----> +111.3876
(.i)02.00%------>(.i)XX.XX%----> +097.8413

---------------------------------------------------------------------
Week Ending Results: <1%IFT vs. (G) Fund +0.1130%/+0.0547%
---------------------------------------------------------------------

Monday - March 23, 2009 Combined Loss/Gain: +0.27%/+0.02%
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)XX.XX%----> 000.0000
(f)05.00%------->(f)XX.XX%----> 000.0000
(c)01.96%------>(c)XX.XX%----> 000.0000
(s)01.95%------>(s)XX.XX%----> 000.0000
(.i)01.98%------>(.i)XX.XX%----> 000.0000

Tuesday - March 24, 2009 Combined Loss/Gain:
(g)88.89%------>(g).........%----> 000.0000
(f)04.99%------->(f).........%----> 000.0000
(c)02.04%------>(c).........%----> 000.0000
(s)02.03%------>(s).........%----> 000.0000
(.i)02.07%------>(.i).........%----> 000.0000
(Final Percentages Subject To Change At Closing)

**sauer228** · 03-23-2009, 04:44 PM

Thanks for the breakdown on the <1% option, SB. I have learned something new today.

**eccougar** · 03-23-2009, 07:54 PM

I added shares to the C-Fund from payday(100% C) contributions at the close on Wednesday. On Thursday, using your 1% method, I added over twice the shares, I accumulated from payroll contributions. I went from 10.4% C to 11% C and this was important, because I had used my 2 IFTS for the month.
The method works well, for adding shares on big down days.

**squalebear** · 03-23-2009, 10:13 PM

Originally Posted by sauer228

Thanks for the breakdown on the <1% option, SB. I have learned something new today.

See what happens when you take a nap, the whole world goes into the
positive YTD, well, not everyone and certainly not me. I want to cry like
I'm peeling onions for not being in at a higher level. AND, I want to scream
for not having the ability based on our limits. But if I had to grasp onto
something positive, your post makes the pain much easier to take. I'm
glad I can help.

Originally Posted by eccougar

I added shares to the C-Fund from payday(100% C) contributions at the close on Wednesday. On Thursday, using your 1% method, I added over twice the shares, I accumulated from payroll contributions. I went from 10.4% C to 11% C and this was important, because I had used my 2 IFTS for the month.
The method works well, for adding shares on big down days.

It also works well by waiting. Today, I waited until tomorrow to make
a move. What this did was push me over the next whole percentage.
You'll see this in my breakdown example (my estimate) of what I expect
to see come the TSP update at 7:30pm est.

Tuesday - March 24, 2009 Combined Loss/Gain: +0.38% / +0.02%
(g)88.74%------>(g).........%----> 000.0000 (this will go down if

(f)04.98%------->(f).........%----> 000.0000 (this goes up to 5%)
(c)02.09%------>(c).........%----> 000.0000 (this goes up to 3%)
(s)02.08%------>(s).........%----> 000.0000 (this goes up to 3%)
(.i)02.05%------>(.i).........%----> 000.0000 (this goes up to 3%)

I can added more dollars at risk by buying more shares at a higher
price and bumping up my percentages to the next percentile.

**squalebear** · 03-24-2009, 12:24 AM

Monday - March 16, 2009 Combined Loss/Gain: +0.01%/+0.02%
Opening................<1%IFT............Share s +/-
(g)89.00%------>(g)93.00%----> -270.2274
(f)04.00%------->(f)04.00%----> +000.4281
(c)03.00%------>(c)01.00%----> +125.7221
(s)02.00%------>(s)01.00%----> +112.8052
(.i)02.00%------>(.i)01.00%----> +105.7694

Tuesday - March 17, 2009 Combined Loss/Gain: +0.09%/+0.01%
Opening................<1%IFT............Share s +/-
(g)93.00%------>(g)93.00%----> +380.2322
(f)04.00%------->(f)04.00%----> +000.5606
(c)01.00%------>(c)01.00%----> -277.0250
(s)01.00%------>(s)01.00%----> -117.3355
(.i)01.00%------>(.i)01.00%----> -110.1832

Wednesday - March 18, 2009 Comb. Loss/Gain: +0.14%/+0.01%
Opening................<1%IFT............Share s +/-
(g)93.00%----->(g)XX.XX%----> +007.3815
(f)04.00%------>(f)XX.XX%----> +000.9255
(c)01.00%------>(c)XX.XX%---> -004.2013
(s)01.00%------>(s)XX.XX%---> -004.1519
(.i)01.00%------>(.i)XX.XX%---> -002.0966

Thursday - March 19, 2009 Combined Loss/Gain: -0.01%/+0.01%
Opening................<1%IFT............Share s +/-
(g)92.87%------>(g)89.00%----> 000.0000
(f)04.05%------->(f)05.00%----> 000.0000
(c)01.02%------>(c)02.00%----> 000.0000
(s)01.03%------>(s)02.00%----> 000.0000
(.i)01.03%------>(.i)02.00%----> 000.0000

Friday - March 21, 2009 Combined Loss/Gain: -0.12%/+0.01%
Opening................<1%IFT............Share s +/-
(g)89.00%------>(g)XX.XX%----> -372.1313
(f)05.00%------->(f)XX.XX%----> +093.2639
(c)02.00%------>(c)XX.XX%----> +133.3498
(s)02.00%------>(s)XX.XX%----> +111.3876
(.i)02.00%------>(.i)XX.XX%----> +097.8413

---------------------------------------------------------------------
Week Ending Results: <1%IFT vs. (G) Fund +0.1130%/+0.0547%
---------------------------------------------------------------------

Monday - March 23, 2009 Combined Loss/Gain: +0.42%/+0.02%
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)XX.XX%----> 000.0000
(f)05.00%------->(f)XX.XX%----> 000.0000
(c)01.96%------>(c)XX.XX%----> 000.0000
(s)01.95%------>(s)XX.XX%----> 000.0000
(.i)01.98%------>(.i)XX.XX%----> 000.0000

Tuesday - March 24, 2009 Combined Loss/Gain: 0.00%/0.00%
(g)88.76%------>(g).........%----> 000.0000
(f)04.98%------->(f).........%----> 000.0000
(c)02.09%------>(c).........%----> 000.0000
(s)02.08%------>(s).........%----> 000.0000
(.i)02.08%------>(.i).........%----> 000.0000

As said in the previous post, tomorrow leaves me with options. Bail, Keep
or Increase my Risk. That my friends, can't be answered until the morning.

**squalebear** · 03-24-2009, 11:09 AM

Ok, today is my last day to adjust my Future Contribution Allocations
before the money goes into the account. I was planning on doing a
<1%IFT and pump up the stock funds to 3%. However, the benefit
I get by allocating new money into the stock funds will be neagated
(spelling?) by doing a <1%IFT. The Fund Managers will add the new
money into the balance, then rebalance it to the Percentages that
I requested through my <1%IFT request. Should this be a down day,
the benefit of spreading my future allocation into all of the three risk
funds results in buying more shares cheaper. But this close to the
end of the month is leaning me towards a lowering of current and
future dollars at risk. I'll keep you informed. Any coments are more
then welcome !

**nasa1974** · 03-24-2009, 11:48 AM

Originally Posted by squalebear

Ok, today is my last day to adjust my Future Contribution Allocations
before the money goes into the account. I was planning on doing a
<1%IFT and pump up the stock funds to 3%. However, the benefit
I get by allocating new money into the stock funds will be neagated
(spelling?) by doing a <1%IFT. The Fund Managers will add the new
money into the balance, then rebalance it to the Percentages that
I requested through my <1%IFT request. If both will happen today then I would not do the <1%. If you do the <1% today and the allocation takes affect tomorrow the <1% should be to your advantage.
Should this be a down day, the benefit of spreading my future allocation into all of the three risk funds results in buying more shares cheaper. But this close to the end of the month is leaning me towards a lowering of current and future dollars at risk. I'll keep you informed. Any coments are more then welcome !

SB, Great questioin. I wish I had more time to run this through my test program. I may do it over the next couple of days just to answer the question anyway. The future allocation is the money coming out of your paycheck twice a month? PM me with your %'s and over the next couple of days I will try to check it out. It will not help you now but may help in future need.

**squalebear** · 03-24-2009, 11:56 AM

Originally Posted by nasa1974

SB, Great questioin. I wish I had more time to
run this through my test program. I may do it over the next couple of
days just to answer the question anyway. The future allocation is the
money coming out of your paycheck twice a month? PM me with your %'s
and over the next couple of days I will try to check it out. It will not help
you now but may help in future need.

I'll do that Nasa for future reference. But I've decided to;
"Go on, take the money and run". The month was a great
success, even though I bailed to my <1%IFT levels way
too soon. Hind sight is 20/20. But I killed the (G) Fund to
this point by gaining more then 12 weeks of (G) Fund
returns. If this rally continues, I won't feel bad at all. We
have six trading days left and I'll be content to seek a
full investment entry point come April. !

**squalebear** · 03-24-2009, 12:10 PM

---------------------------------------------------------------------
Week Ending Results: <1%IFT vs. (G) Fund +0.1130%/+0.0547%
---------------------------------------------------------------------

Monday - March 23, 2009 Combined Loss/Gain: +0.42%/+0.02%
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)XX.XX%----> 000.0000
(f)05.00%------->(f)XX.XX%----> 000.0000
(c)01.96%------>(c)XX.XX%----> 000.0000
(s)01.95%------>(s)XX.XX%----> 000.0000
(.i)01.98%------>(.i)XX.XX%----> 000.0000

Tuesday - March 24, 2009 Combined Loss/Gain: 0.00%/0.00%
(g)88.76%------>(g)100.00%----> 000.0000
(f)04.98%------->(f)..........%----> 000.0000
(c)02.09%------>(c)..........%----> 000.0000
(s)02.08%------>(s)..........%----> 000.0000
(.i)02.08%------>(.i)..........%----> 000.0000

This concludes my <1%IFT quest for the month of March as I'm locking
in all gains and parking my carcus in the (G)arage. I'll update the above
come 4pm and 7:30pm (est.) Good Luck Everyone !

**squalebear** · 03-24-2009, 08:21 PM

---------------------------------------------------------------------
Week Ending Results: <1%IFT vs. (G) Fund +0.1130%/+0.0547%
---------------------------------------------------------------------

Monday - March 23, 2009 Combined Loss/Gain: +0.42%/+0.02%
Opening....................<1%IFT............Share s +/-
(g)89.11%------>(g)XX.XX%----> 000.0000
(f)05.00%------->(f)XX.XX%----> 000.0000
(c)01.96%------>(c)XX.XX%----> 000.0000
(s)01.95%------>(s)XX.XX%----> 000.0000
(.i)01.98%------>(.i)XX.XX%----> 000.0000

Tuesday - March 24, 2009 Combined Loss/Gain: -0.06%/+0.01% (est.)
(g)88.76%------>(g)100.00%---->+1110.6669 (est.)
(f)04.98%------>(f)..........%----> 000.0000
(c)02.09%------>(c).........%----> 000.0000
(s)02.08%------>(s).........%----> 000.0000
(.i)02.08%------>(.i).........%----> 000.0000

---------------------------------------------------------------------
Week Ending Results: <1%IFT vs. (G) Fund +0.3542%/+0.0320% (est.)
---------------------------------------------------------------------
March..........Results: <1%IFT vs. (G) Fund +0.6681%/+0.1023% (est.)
---------------------------------------------------------------------

This concludes my <1%IFT quest for the month of March as I'm locking
in all gains and parking my carcus in the (G)arage. I'll update the above
come 4pm (est.) and 7:30pm (act.) Good Luck Everyone !