Thread: Contributions vs interfund transfer

Originally Posted by saturneptune

When you all do you daily (or so) interfund transfers, do you change your contributions the same way, leave them the same, leave them in the G fund or what? Any responses appreciated.

With the amount of moving that some do, myself included, it doesn't really matter where your contributions go.

Originally Posted by saturneptune

When you all do you daily (or so) interfund transfers, do you change your contributions the same way, leave them the same, leave them in the G fund or what? Any responses appreciated.

Mine go to the G.

I agree with weatherweenie. The more active you are, the less it matters. I will only change the contributions if they are going into a fund(s) for more than a couple of weeks when my IFT is different.

With the stock market dropping, is it a good idea to change your contributions to purchase some CSI while the prices are dropping and leave your IFT in G and F so your long term investment doesn't decrease?

Originally Posted by saturneptune

When you all do you daily (or so) interfund transfers, do you change your contributions the same way, leave them the same, leave them in the G fund or what? Any responses appreciated.

i use to try to keep a certain amount(percent) in each fund but i don't bother no more my balance is getting to big(not bragging) and the biweekly payments i don't pay attention to---just the news and tsptalk thanks Tom

Originally Posted by Silverbird

With the stock market dropping, is it a good idea to change your contributions to purchase some CSI while the prices are dropping and leave your IFT in G and F so your long term investment doesn't decrease?

This is not good as when you move your G/F nest egg back into stocks at the bottom, all the contribution money/shares that were put into stocks during the market fall have lost value. This is assuming you are back in stocks near the bottom of a correction. It seems to me that it would be better to have contibution to G while the market is falling and then when the market has a bounce longer that 2 weeks or the Bull market begins again, then move both (contribution and nest egg) into stocks. As the market moves up over 4-5 years, true DCA occurs with the contributions.
The trick is to know when and how long the bounce or bull market begins/ends!

Make sense?

Originally Posted by malyla

This is not good as when you move your G/F nest egg back into stocks at the bottom, all the contribution money/shares that were put into stocks during the market fall have lost value. This is assuming you are back in stocks near the bottom of a correction. It seems to me that it would be better to have contibution to G while the market is falling and then when the market has a bounce longer that 2 weeks or the Bull market begins again, then move both (contribution and nest egg) into stocks. As the market moves up over 4-5 years, true DCA occurs with the contributions.
The trick is to know when and how long the bounce or bull market begins/ends!

Make sense?

Is anyone using the 8.6 year business cycle to determine where to put their contributions? Any other strategies for contributions out there other that DCAing even when the market is falling?

Here's a market indicator I can get into:

The Cheech and Chong Stock Market indicator!

http://www.minyanville.com/articles/.../index/a/18460

Note the MJ leafs indicate the highs. It's far out, dude! ----Jim

Originally Posted by rokid

Here's a market indicator I can get into:

The Cheech and Chong Stock Market indicator!

http://www.minyanville.com/articles/.../index/a/18460

Note the MJ leafs indicate the highs. It's far out, dude! ----Jim

Hmmmmm.....

I'll keep an ear open for more rumors of 1960/1970 pot culture reunions. There could be something to it