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Thread: Stoplight's Post Retirement, Post TSP Thread

  1. #37

    Default Re: Stoplight's Post Retirement, Post TSP Thread


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  3. #38

    Join Date
    Oct 2010
    Location
    Aiea, Hawaii
    Posts
    1,086

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    At the risk of sounding redundant (I have said this before!).....I like Vanguard. Index funds are cheap....along the line of TSP. Especially if you have a tidy sum of money (I think 100K).
    Index trades are restricted to certain number of times per month (most allow only monthly purchase once you sell), similar to TSP.
    But they also have directed funds, and the variety is extremely good no matter what you are interested in. I have IRA (both Traditional and Roth) with them for a long time. Their online info is very detailed. And they have brokers to talk to (if you really think anyone else can manage your $$ better than you) if you want advice. Check out their website. No charge to go look!
    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. #39

    Join Date
    Dec 2006
    Location
    Oregon
    Posts
    251

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    I have just been reading your older posts, and I am sorry you got out of the TSP. Since my retirement in 2009, my TSP has gone from $81K to $124K with NO ADDITIONS FROM OTHER SOURCES.
    I do not have to tap my TSP until I am 70 1/2 so I am very thankful for the chance to grow it with very low fees. My Vanguard adviser would really like to get their hands on those funds! But no, I am keeping it for my long-term care fund, possibly.
    My Dad started me with Vanguard back in the 90's with a check for $1,000 and instructed me to keep adding to it. Vanguard has been good to me and my family over the years. When my Dad passed in 2015, I became the successor trustee of the Trust and divided up their assets between my brother and myself. Mom died in 2013 so everything had gone to my Dad.
    I watch almost all of the webinars produced by the good folks of NARFE and have learned loads about handling the TSP. My advice to those thinking about getting out of the TSP is to leave a small portion to keep it open, so you can always come back to it if you choose to. Once you close it, it is gone from you forever.
    NARFE FEDcon2020 Be There or Be Square

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  7. #40

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    Quote Originally Posted by 2moryrs View Post
    I have just been reading your older posts, and I am sorry you got out of the TSP. Since my retirement in 2009, my TSP has gone from $81K to $124K with NO ADDITIONS FROM OTHER SOURCES.
    I do not have to tap my TSP until I am 70 1/2 so I am very thankful for the chance to grow it with very low fees. My Vanguard adviser would really like to get their hands on those funds! But no, I am keeping it for my long-term care fund, possibly.
    My Dad started me with Vanguard back in the 90's with a check for $1,000 and instructed me to keep adding to it. Vanguard has been good to me and my family over the years. When my Dad passed in 2015, I became the successor trustee of the Trust and divided up their assets between my brother and myself. Mom died in 2013 so everything had gone to my Dad.
    I watch almost all of the webinars produced by the good folks of NARFE and have learned loads about handling the TSP. My advice to those thinking about getting out of the TSP is to leave a small portion to keep it open, so you can always come back to it if you choose to. Once you close it, it is gone from you forever.
    2Mo,

    SO SORRY I didn't see your post sooner !!! I rarely check this thread, and if a post scrolls off the "Recent Posts" on the main forum page, I probably don't see it...

    To date, I have NO REGRETS about closing out my TSP account...It served me well while working, and for the short time I withdrew from it, before I hit 59.5, but I like being the "Master of My Own Destiny", without the limited IFTs and options available in the TSP. I recognize that there are different approaches for all...that's why the TSP still manages to sell annuities !!!

    Since my baseline $ amount (in my and the Wife's TSP and 403(b) in 2012), rolled over to the self-directed IRAs, I've withdrawn $111,000...but my current balance is only $13,900 less that the amount rolled over in 2012...yes, maybe I could have done better, staying in the TSP, but I'm happy !

    See next post !!!

    Best investing to you !!!


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  9. #41

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    Made a move today in my "buy-and-hold" portfolio, to harvest some gains and go to cash...

    Sold all my Brooks Automation, BRKS...bought it at 7.76, in 2012 ; sold today at 27.48...SWEET !!!


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  11. #42

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    Well....almost 2 years since my last post here, in my own little world ? Yikes !!!

    To make a long story short...I've managed to keep my retirement fund balance slightly ahead of my withdrawal rate, so that's a good thing !!! Now starting to think about RMD "issues"...need to educate myself on the best approach to THAT item !!!

    Anyway...just curious to hear from those who use USAA as their brokerage, like I do !

    Any comments on them selling out to Schwab, for our account management ? I'll be curious to see what "improvements" happen... I AM taking advantage of the free trades for the next few months, although trade commissions are the least of my worries...


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  13. #43

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    *BUMP*

    Geez ! Based on a PM from another Forum Member, I remembered this thread I started !

    For the record, I'm working on my taxes, so I'll update my 2020 summary of my current positions and thoughts, too...FWIW !!!


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  15. #44

    Default Re: Stoplight's Post Retirement, Post TSP Thread

    Picked up a little AMZN today...I'm a customer, and I always wanted to own some...and I heard it was on sale !!!
    "Too old to rock and roll...too young to die"... - I. Anderson

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