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Thread: PessOptimist's Account Talk

  1. #313

    Join Date
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    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by Cactus View Post
    I wouldn't knock Buy & Hold, PO. It's beating 90% of us traders on the AT right now.

    Watch out about trying to get back to where you were. I've been trying to do that since 2000 and it hasn't worked for me. I'm still looking up at the G Fund.

    Good to hear that your boss want's to keep you. Are you considering it? Remember, every year extra you stay gives you another year to shovel more $ into your TSP and one less year of retirement to fund. It's like getting 2 for 1. I'm still 7 years out from my projected retirement date, but given my track record I can't see getting out then. I plan to stay longer if they'll keep me and my health holds out.
    Thanks for the reply Cactaceae person. The most radical move I would likely make is moving it all to G at some point. Maybe not. I just don’t know at this point. You are doing a lot better than I on the autotracker at the moment.

    Yeah, good to hear my bosses want me to stick around. The bottom line will come when I have my end of year review with my “supervisor” My immediate bosses cannot be a “supervisor”. Their “supervisor” is the same as mine and the supervisor’s views do not always match the desire to keep things running. One must take in to consideration the water bucket analogy where leaving a job is like taking your hand out of a bucket of water. The hole fills in quickly.

    All that crapola being said, yes I am considering staying a little longer. Sticking around for six more months takes me to SS ”full retirement age” and makes whatever annual leave I sell back extra cash instead of living money for six months. Health is a consideration, mental health important in dealing with the increasingly bizarre environment. That decision will have to be made by the end of March 2017 as I will have to project leave for 2017. Many things to decide.

    Hmmm. Fear. Yup it is there. Today’s gain still leaves me negative for the year but only down the price of a modest new car. What to do? Wait and see is my decision.

    Two goals for the near future:

    Make a decision about an IFT or letting it ride.

    Remember to look for the quarterly TSP statement when I pick up the mail and quietly file it. I have no idea what is going to happen with S&P500 or C fund in the next three trading days but have no doubt that if SO sees that statement things will be circled in red, I will be told I am an idiot and be given lots of suggestions about who should be advising me. SO only understands increasing balance. If SO does not see statement, all will be well. I heard SO tell a friend on the phone "oh no problem, he moves it around all the time". I am doomed.

    PO

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  3. #314

    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by PessOptimist View Post
    if SO sees that statement things will be circled in red, I will be told I am an idiot and be given lots of suggestions about who should be advising me.
    i hate to be the one to have break this to you, but...

    you will be told you are an idiot and given lots of suggestions no matter what you do or how well the tsp investment performs.

    that is what princesses do, no matter how well you do whatever, it could always be more, they are never satisfied, it is the nature of the beast.

    now, you can quit your job and leave your wife and start over flat broke, but the last time i did that i ended up working for the government for 13 years and have no intentions of stopping, so you might want to be careful about that.

    i would just make sure i hold out for some regular pussy if i was you and call it a good deal.
    100g

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  5. #315

    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by burrocrat View Post
    i hate to be the one to have break this to you, but...

    you will be told you are an idiot and given lots of suggestions no matter what you do or how well the tsp investment performs.

    that is what princesses do, no matter how well you do whatever, it could always be more, they are never satisfied, it is the nature of the beast.

    now, you can quit your job and leave your wife and start over flat broke, but the last time i did that i ended up working for the government for 13 years and have no intentions of stopping, so you might want to be careful about that.

    i would just make sure i hold out for some regular pussy if i was you and call it a good deal.
    p.s. the real question you might want to worry about is whether or not the statement thingy ever comes back from so circled in green. that is a good future indicator. and the earlier you figure out which direction it is pointing, the more money you will save.
    100g


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  7. #316

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    Default Re: PessOptimist's Account Talk

    Never comes back circled in green. Positive statements are just filed.

    Well geeze. Things are back up a little. Investment question is if it looks like I might get to 0% for the year should I try to figure out what day to go to G and be happy? Of course that means predicting what the S&P will do for four hours after the decision. I hate that 1200 restriction most of all the restrictions.

    This year doesn’t matter, I will be happy with no loss but the retirement in 2.2 years does. If I can get back to 0% should I put it all in G and be happy with about 2% plus my contributions? Should I just put it all in G no matter what my loss is or what happens? If I do that will C/S or I go up 30% in the next two years? So many questions, so many unknowns.

    I read everything on this board and never have a clue.

    Just venting. I am considering going to 100% G fund which might reach one of my goals before retirement money amount wise. Be safe, be stupid, be smart. Which will I choose?

    PO

  8.  
  9. #317

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    Default Re: PessOptimist's Account Talk

    Ben a bad 2nd quarter for a ignorer aka buy and holder.

    Anyone got a clue when S&P 500 will get up to 2035 or so?

    If so let me know and I will go 100% G on that day and leave it all there for the next 2.3 years and then make a decision about what to do with it. Somewhere around 2% is better than a negative gain.

    In the mean time, having ignored all the advice on the MB I am negative for this year so far. Not for the lifetime fortunately. So far.

    Since the market is not going up this quarter and therefore this year I am under the usual pressure to "make some money" and being told I am an idiot for not having the money in dividend paying equities. Mentioning the 5% matching gets replies like how much more I could get if I went with <insert brokername> as a one time incentive if I abandon TSP. I suppose I am just stupid.

    Whatever, I am glad I am the sole proprietor of the TSP while I am alive and will take all the Fliegerabwehrkanone I get. For instance, I am asked "why didn't you move it all to G on August 20th". My answer is "I must be stupid".

    That is why it must all go to G fund. I am too stupid to see what anyone looking at a chart one month later can plainly see.

    Life goes on and thank you for everything posted here about investing.

    PO

  10.  
  11. #318

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    Default Re: PessOptimist's Account Talk

    PO
    its always easy to look in the rearveiw mirror and say shoulda woulda coulda. Let those who can see into the future do there thing and u do you. You can hear arguments on both sides of trading,to be in or out of market. Who is right??? Hang in there

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  13. #319

    Default Re: PessOptimist's Account Talk

    PO, I agree with GUCHI. Hang in there. And remember don't should on yourself.
    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%

  14.  
  15. #320

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    Default Re: PessOptimist's Account Talk

    Hi everyone, just performing a little test. Sorry for any inconvenience.

    PO

  16.  
  17. #321

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    Default Some other subject

    Part II.

  18.  
  19. #322

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    Default Re: PessOptimist's Account Talk

    Test complete.

    PO

  20.  
  21. #323

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    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by PessOptimist View Post
    Test complete.

    PO
    Read you 5 by 5.
    50% S, 50% C 06 Mar, was 100% G; 80% S 20% C COB 08 Jan '24; 100% G COB 14 Nov; was 100% C COB 31 Oct (Boo!); was 100% G COB 12 Oct; was 50% C, 50% S COB 22 Jun; Life is good!

  22.  
  23. #324

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    Default Re: PessOptimist's Account Talk

    Scheiße. That has been one of my favorite expressions since my time in FRG. Politically correct here and everyone I knew there used it frequently.

    Well, I am positive again (barely) for the year.

    So, to reply to some of you, signal and readability good? Regular what? Oh, I sort of remember.

    In some of these rants I stated if I ever got back to <0% I would move to G fund and leave it until I retire. Now I am greedy and thinking maybe S&P will get back to 2135 or so. Maybe not.

    So I am aware of what I said here but as usual am frozen by anxiety.

    Should I wait or should I go G?

    PO


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