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Thread: uscfanhawaii's account talk

  1. #265

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    Default Re: uscfanhawaii's account talk

    A very interesting March shaping up on the AT.
    The top 11 this month have all gone to G fund, leaving the door wide open for the hundreds of S Fund buy-and-holders sitting just a couple points below them!
    I LOVE watching this drama unfold.

    Would be even more interesting if I was in that hunt....
    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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  3. #266

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    Default Re: uscfanhawaii's account talk

    Quote Originally Posted by uscfanhawaii View Post
    A very interesting March shaping up on the AT.
    The top 11 this month have all gone to G fund, leaving the door wide open for the hundreds of S Fund buy-and-holders sitting just a couple points below them!
    I LOVE watching this drama unfold.

    Would be even more interesting if I was in that hunt....
    And as if on cue.....110 S-Fund Buy-and-Holders have now moved into a tie for 5th place in March!

    Is 2018 going to be another Buy-and-Holder year like 2017 ?!?
    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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  5. #267

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    Default Re: uscfanhawaii's account talk

    Looks like the G-Funders are going to get a big boost on the AT today.
    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!

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  7. #268

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    Default Re: uscfanhawaii's account talk

    Quote Originally Posted by Whipsaw View Post
    Looks like the G-Funders are going to get a big boost on the AT today.
    Yeah, talk about 'whipsaw'!

    The big boys moving to G was genius! What a difference a day makes!

    Now...will it whipsaw BACK the other way? Hmmmm?
    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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  9. #269

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    Default Re: uscfanhawaii's account talk

    Did somebody say Whipsaw?

    Would be great to time an entry and catch a good run up... I'm 74 in the AT, haven't been up that high in looong time, risk of hypoxia!
    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!

  10.  
  11. #270

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    Default Re: uscfanhawaii's account talk

    Wow....2018 is really shaping up to be a jeckle and hyde year for stocks!
    I was UP about 6% in Jan (peaking as did the market, on Jan 26), but more recently am DOWN over 2%.
    And it's only end of March! (Note to self....Beware the Ides of March....for next year.)

    And all those co-workers that I have chastised over the years for leaving everything in the G Fund.......well, guess what, the G Fund buy and holders are the only ones (buy and holders that is) with a positive return so far in 2018!!

    Go figure!!

    So with me planning on retiring end of 2018, any retirees out there with good suggestions on how to approach TSP investment during the 'withdrawal years'??

    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!


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  13. #271

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    Default Re: uscfanhawaii's account talk

    Quote Originally Posted by uscfanhawaii View Post
    So with me planning on retiring end of 2018, any retirees out there with good suggestions on how to approach TSP investment during the 'withdrawal years'??

    What are you planning on doing with your TSP after retirement?

    When I retired in May 2012 I wasn't planning on touching my account until I turned 70 so I have stayed aggressive. It is really hurting me so far this year.

    This is what my TSP has done since I retired.
    2012 15.09%
    2013 37.08%
    2014 7.58%
    2015 -2.17%
    2016 15.46%
    2017 18.40%
    2018 -2.83% so far

    Only you can honestly decide how much risk you want to take. Good luck.
    May the force be with us.

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  15. #272

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    Default Re: uscfanhawaii's account talk

    You may want to step aside until the 'Dance of the Elephants' is over.
    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!

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  17. #273

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    Default Re: uscfanhawaii's account talk

    I was originally planning to retire at the end of 2017 so at the end of 2016 I moved it all to G. I left my payroll allocation all C. I just let it ride so I missed a lot of 2017 gains. Plans changed to retiring at the end of June 18 and again to the end of 2018.

    The way I figured it was to look at take home now which includes max TSP contribution v what I would have coming in after retirement from FERS, SS and wife's SS. The shortfall was divided in to the TSP balance and that is what the planned monthly withdrawals was based on. Then I looked at the months TSP would last and decided on what to keep in G and what to invest in stock funds. You have to look at age and life expectancy of course.

    I realize SS may not apply to you. This is not really any advice, only how I figured it. I am currently about 87% G and 13% C. C might be lower % since I haven't looked this week. I will get that bad news Saturday when I update the spread sheets.

    Good luck with the retirement plans.

    PO

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  19. #274

    Default Re: uscfanhawaii's account talk

    Quote Originally Posted by nasa1974 View Post
    What are you planning on doing with your TSP after retirement?

    When I retired in May 2012 I wasn't planning on touching my account until I turned 70 so I have stayed aggressive. It is really hurting me so far this year.

    This is what my TSP has done since I retired.
    2012 15.09%
    2013 37.08%
    2014 7.58%
    2015 -2.17%
    2016 15.46%
    2017 18.40%
    2018 -2.83% so far

    Only you can honestly decide how much risk you want to take. Good luck.
    12.66% average I'd take it!

  20.  
  21. #275

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    Default Re: uscfanhawaii's account talk

    Exactly. That's a GREAT return, especially if you are retired.
    Quote Originally Posted by Scout333 View Post
    12.66% average I'd take it!
    Weatherweenie's Account Talk
    Teddy Roosevelt: Patriotism means to stand by the country. It does not mean to stand by the president or any other public official. Retired on November 30, 2023 with 30+ years of service.

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  23. #276

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    Default Re: uscfanhawaii's account talk

    Well, as I have already said, I am planning on retiring the end of this year (2018) after 36 years of service. (Yay!)

    So I have been very interested in the new TSP rules that were approved late 2017. Haven't been hearing much from the FRTIB and TSP. But govexec.com just reported the (meager) progress.

    See https://www.govexec.com/pay-benefits...ef=recentposts for an update from retirement specialist Tammy Flanagan. Looks like they are not going to come out with anything before Nov of 2019.

    There are 10 types of people in the world. Those who know binary, and those that don't!!
    Retired on December 31, 2018!!

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