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Thread: RealMoneyIssues' Account Talk

  1. #13

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    Default Re: RealMoneyIssues' Account Talk

    Since you are already in with your foot caught in the bear trap the best strategy now is to dollar cost average with your contributions - and relax you'll have plenty of time to make up any devaluations. This consolidation is not going to turn into a 10% or greater correction. I'm waiting on word from a possible QE3.

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  3. #14

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    Question Re: RealMoneyIssues' Account Talk

    Ok, went all into S

    Big chance taken as I am pretty sure if I waited until tomorrow, the 10-month modified SMA would tell me to bail to F since S will probably lose more today. I guess I figured I would do my IFT today and take the risk.

    OBTW, I will be in training all day tomorrow and won't have access to do an IFT...

    I guess we'll see
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  5. #15

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    Default Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by Birchtree View Post
    I say put it all in the C fund and relax. The C fund is going to outperform going forward.
    Birch, I'm a little confused. If "C" will outperform, why did you increase your allocation to "I" instead of "C". Not picking on you, just trying to learn.

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  7. #16

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    Default Re: RealMoneyIssues' Account Talk

    Judy,

    It was a necessary sacrifice inorder to get the golden lows on the I fund - later on I'll move some money back into the C fund for the longer term - just being nimble. When ever you have this large a drop it's usually an opportunity. I took 20% out of the I fund at $20.75 and now I'm moving back in at $20.09 and another 20% on the close today.

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  9. #17

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    Default Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by Birchtree View Post
    Judy,

    It was a necessary sacrifice inorder to get the golden lows on the I fund - later on I'll move some money back into the C fund for the longer term - just being nimble. When ever you have this large a drop it's usually an opportunity. I took 20% out of the I fund at $20.75 and now I'm moving back in at $20.09 and another 20% on the close today.
    Thanks for breaking it down. Sometimes the simplest of things seem to go over my head. I understand now.

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  11. #18

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    Default Re: RealMoneyIssues' Account Talk

    I had considered doing a 50/50 split on I and S, but I figured I should just stick with the plan…
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  13. #19

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    Default Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by RealMoneyIssues View Post
    I had considered doing a 50/50 split on I and S, but I figured I should just stick with the plan…
    Sounds like you made the wise decision. It's tempting, but as I have found out the hard way in the past, it's best to follow a proven plan like IT's.
    "19 yrs & 20% growth = $1,000,000 +"

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  15. #20

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    Default Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by maabee6 View Post
    Sounds like you made the wise decision. It's tempting, but as I have found out the hard way in the past, it's best to follow a proven plan like IT's.
    Well, I don't know about wise (only time will tell).
    I am following the "10-Month Modified SMA v3" and figured I better stick to it or just go on my own; which I am not ready for...

    I planned to only check in here a couple times a month to do my IFTs but I got sucked into the forum...
    "I just can't quit you, [TSPTalk]..."
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  17. #21

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    Default Re: RealMoneyIssues' Account Talk

    Nice signature BTW... and Congrats... I have 19 years left too, hmmm...
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  19. #22

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    Default Re: RealMoneyIssues' Account Talk

    Thanks I hope my signature comes to fruition! As for trying to make the IFT decisions yourself, I've been there & made huge errors! Lost about 1/2 of my TSP balance during 08 down cycle in the "I". So until I can have more knowledge of how the markets move, I will be following the guidance of such plans as IT or the 10-day.
    "19 yrs & 20% growth = $1,000,000 +"

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  21. #23

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    Default Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by maabee6 View Post
    As for trying to make the IFT decisions yourself, I've been there & made huge errors! Lost about 1/2 of my TSP balance during 08 down cycle in the "I".
    In one of my IRAs, I lost 80% in the .com crash and it still hasn't fully recovered with a buy and hold mentality. I figured if I could find a system to at least get me 10% APR then I would be happy. Anything higher would be icing on the cake.

    I am still trying to figure out the diversification piece, but I think that is more inline with the buy and hold, not a market timing model. I don't know, still thinking...
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  23. #24

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    Cool Re: RealMoneyIssues' Account Talk

    Quote Originally Posted by RealMoneyIssues View Post
    Big chance taken as I am pretty sure if I waited until tomorrow, the 10-month modified SMA would tell me to bail to F since S will probably lose more today.
    Yup, with yesterdays prices, the method told me to move to F. Not sure if I made the right decision as only time will tell. I will compare the 2 options over time and see (just out of curiousity).
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S&P500 (C Fund) (delayed)
RealMoneyIssues' Account Talk
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