View Poll Results: Which TSP option/s did or will you choose upon Retirement?

Voters
117. You may not vote on this poll
  • Roll over to an outside IRA

    24 20.51%
  • Partial withdrawal

    17 14.53%
  • Monthly Payments based on your specified dollar

    32 27.35%
  • Monthly payments based on IRS Life Expectancy

    5 4.27%
  • Just leave it with TSP until 70 years old

    19 16.24%
  • Not sure yet

    29 24.79%
  • Annuity

    0 0%
  • Other options not mentioned above

    6 5.13%
Multiple Choice Poll.
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Thread: Maricar19 Account Talk

  1. #13

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Lakebound View Post
    I retire in 13 months (caveat). I am up $25,000 as of January 1st just by following one of the Premium systems (almost - I bailed back to G fund on Wednesday). I am up over 6% this year alone. So no, IMO you are not being greedy but you have other factors to consider in comparison with someone who is in L Funds with 10+ years to go.

    There will be more opportunities this year to get to 12-14% (My goal). ..


    Frank
    I agree..it is still early in the game...and with subscription to premium services, I am sure I can recoup that. Looking back last year, one of them didn't move -held "S" from February to June.

    I'll have my 30 yrs. by December of this year...so I am in retirement mode, too.

    Good luck to both us...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  2.  
  3. #14

    Default Re: Maricar19 Account Talk

    My Path to Retirement
    1.Accumulate as much annual leave (Maximum is 708 hours)so that there's cash to start with while waiting for HR to compute my retirement pension..
    2. Pay off all debts, if possible.
    3. Start house repairs, sell the house in preparation for a downsizing to a 2 bedroom house with a very small yard, no more than 10 minutes to mow the grass, but big enough to have a vegetable garden of tomatoes, okra, eggplant, upo, bittermelon, bell pepper, jalapeños and green beans.
    4. Start looking for a tax friendly state: no snow, no hurricanes and no earthquakes.
    5. Consolidate all IRAs.
    To be continued...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  4.  
  5. #15

    Default Re: Maricar19 Account Talk

    do you always let your dog pee in the sink?
    100g

  6.  
  7. #16

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by burrocrat View Post
    do you always let your dog pee in the sink?
    Actually, he washes himself in the sink 👻
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  8.  
  9. #17

    Default Re: Maricar19 Account Talk

    Burro and Lbound, thanks for the reps. They made my day!
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  10.  
  11. #18

    Default Re: Maricar19 Account Talk

    Browsing TSPTalk website, I came across Rule #2 about creating an account talk:

    "Rule #2. When your user profile is created, you must create an "Account Talk" thread in our “Members Account Talk” form. Please discuss your strategy, and reasons for your transactions in your “Account Talk” thread."

    I guess that made me squirm...I don't know squat about stocks' trend, what factors will influence their upward/downward movement, etc., etc. tried to understand the charts, graphs posted in the site, but you can't teach an old dog new tricks...

    All I know is to "try" to keep invested 80% of the time, have a diversified portfolio ( I guess index funds like C and S count?), take more risk and enjoy the roller coaster!
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1


  12.  
  13. #19

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Lakebound View Post
    If I do decide for a withdrawal, I think I will opt for the life-expectancy and then see how things go until 59. Right now, I plan to leave it be for the first few years into retirement because my wife has an additional two years to go and I plan to work part time and work the system in the markets.

    Looking forward to whatever life brings!
    Lbound, If I am correct, you will be retiring as a LEO? I guess you are one of the special groups that can work without worrying about exceeding the supplemental insurance until you reach your MRA. For regular retirees like us, we have to watch the earnings threshold.
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  14.  
  15. #20

    Default Re: Maricar19 Account Talk

    Continuation of thread #14-My path to Retirement
    TSP

    •Make a full withdrawal using a combo of the three options to withdraw my entire TSP account balance:
    – A single payment to pay off mortgage in case house does not sell quick enough. If house sells quick enough, then do a world tour for 6 months.
    – Upon return from world tour, set up TSP monthly payments to augment our FERS pension and SRS until 60 when military pension kicks in. (I know, a lot of eyebrows raised about spending for world tour and touching TSP, but we would like to enjoy)
    As soon as military pension kicks in, reduce TSP monthly withdrawal by same amount until 62.
    And then stop TSP withdrawals completely and just let it grow again.
    – Will not opt for annuity
    Crazy plan? Well, sometimes you just gotta let go...
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  16.  
  17. #21

    Default Re: Maricar19 Account Talk

    Quote Originally Posted by Maricar19 View Post
    Lbound, If I am correct, you will be retiring as a LEO? I guess you are one of the special groups that can work without worrying about exceeding the supplemental insurance until you reach your MRA. For regular retirees like us, we have to watch the earnings threshold.
    Correct. Sorry about that, I was speaking as if everyone here is in the same situation. I forget that this is a big world and a forum with quite the diverse group.

    Frank

  18.  
  19. #22

    Default Re: Maricar19 Account Talk

    Continuation of thread #20 -My path to Retirement

    Just received my annuity estimate and that of spouse. Not getting much after 30+years of service.

    If you are reading this, please understand that I am not bragging (there's not much to brag), just felt the need to share in case somebody has some suggestions regarding the mix.

    From age of retirement to age 60: Total $7300
    Combined annuity: $3300/month
    Conservative combined SRS Estimate: $1500
    Combined TSP monthly withdrawal: $2500

    From age 60 to 62: Total $7300
    Annuity: $3300+
    SRS: $1500
    TSP: $1400
    Military pension:$1100

    Age 62 - 66: Total $7500
    Annuity: $3300+
    SS: $1300 (only one us will claim)
    TSP: $1800
    Military pension:$1100+

    Or
    Age 62 and up: Total $7900
    Annuity: $3300+
    SS: $2800(both claiming at 62)
    TSP: $700
    Military pension:$1100
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  20.  
  21. #23

    Default Re: Maricar19 Account Talk

    Ravensfan, how are you able to post in your thread account a spreadsheet like format?
    Emotions should never play a role in one's investing strategy!
    No to Greed...No to Fear!
    http://share.robinhood.com/mariloc1

  22.  
  23. #24

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,995

    Default Re: Maricar19 Account Talk

    Open a post X
    Select Go Advanced X
    The third line down has grid formatting woohoo
    Quote Originally Posted by Maricar19 View Post
    Ravensfan, how are you able to post in your thread account a spreadsheet like format?
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    Check my position

  24.  
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