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Thread: EricDeLee's account talk

  1. #1

    Default EricDeLee's account talk

    Nothing but jibber-ish here ... At least for now.
    I did an IFT late Friday (I don't know if that was good enough to count today's market action or not). I was sitting at about 55% G fund, 35% F fund, and the rest in the S fund. I had all of that switched to 25% in the C fund, 65% in the S fund and the rest in the I fund.

    Not sure what I am doing yet and will need solid advice along the way. Also need advice on wife's 401k


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  3. #2

    Default Re: EricDeLee's account talk

    Quote Originally Posted by EricDeLee View Post
    Nothing but jibber-ish here ... At least for now.
    I did an IFT late Friday (I don't know if that was good enough to count today's market action or not). I was sitting at about 55% G fund, 35% F fund, and the rest in the S fund. I had all of that switched to 25% in the C fund, 65% in the S fund and the rest in the I fund.

    Not sure what I am doing yet and will need solid advice along the way. Also need advice on wife's 401k
    If it was after 12pm Friday it does not count since Monday was a holiday and the tsp offices were closed. It goes into affect tomorrow.Ask any questions you have I know someone will help ya

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  5. #3

    Default Re: EricDeLee's account talk

    Quote Originally Posted by imike023 View Post
    If it was after 12pm Friday it does not count since Monday was a holiday and the tsp offices were closed. It goes into affect tomorrow.Ask any questions you have I know someone will help ya
    Thanks for the comment.
    I think you are correct because with yesterday's goo day, I lost $1.30 in my TSP account. Lol. So I am assuming it went into effect agter the close of the market. Oh well.


    quetions:
    where can I find my monthly gains in TSP? What about up-to-date quarterly gains (before the statement comes out)

    right now I am at only 4.32% gain for the year. Can't wait to get that percentage up. I was wrong about my earlier allocations. Here's where I currently am:

    35% c fund
    45% s fund
    20% I fund

    any suggestions out there for using another may IFT? Should I move out of I fund and put a heavy load in the S Fund?

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  7. #4

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
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    76,383

    Default Re: EricDeLee's account talk

    Welcome to the Forum EricDeLee.
    Best of luck
    Norman



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  9. #5

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
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    12,148

    Default Re: EricDeLee's account talk

    Quote Originally Posted by EricDeLee View Post
    Thanks for the comment.
    I think you are correct because with yesterday's goo day, I lost $1.30 in my TSP account. Lol. So I am assuming it went into effect agter the close of the market. Oh well.


    quetions:
    where can I find my monthly gains in TSP? What about up-to-date quarterly gains (before the statement comes out)

    right now I am at only 4.32% gain for the year. Can't wait to get that percentage up. I was wrong about my earlier allocations. Here's where I currently am:

    35% c fund
    45% s fund
    20% I fund

    any suggestions out there for using another may IFT? Should I move out of I fund and put a heavy load in the S Fund?
    Eric, imike023 made a good observation. For your IFT's. If you make a change before noon Eastern time then it takes effect that evening. If you make a change after 12:00pm Eastern it will take effect the following day after 4:00pm Eastern. Now, not to confuse you but lets say you do an IFT today after 12:00pm Eastern, you can cancel that IFT as long as you do it before 12:00pm Eastern tomorrow.
    May the force be with us.

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  11. #6

    Join Date
    Jan 2010
    Location
    Redding, CA
    Posts
    1,445

    Default Re: EricDeLee's account talk

    Eric,

    To get your monthly gains there are different approaches. I tend to just go to the tsp.gov site and check the balance for different dates. That, however, includes contributions so it might not be the best answer for what you want. I like this website, tsptalk.com, because you can track your actual % gain on the Auto Tracker. Its a great program, and measuring yourself against others provides a lot of feedback and perspective about just how well you can do in the TSP.

    My philosophy, although I'm still not living by it yet, is that it is possible to get really incredible yearly returns by just making 4-8 moves per year. TSPTalk is about learning the signals and seeing the signs of market turns. Nobody ever gets them all the way right, but that's the goal. There are many here that provide very good technical analysis that will help you see the turning points. But beware, the market always seeks to exert maximum frustration. In this era of QE the rules have been quite distorted. I think the worst rule that we are subject to is the 4 hr time lag when we make an IFT. I've had small monthly gains turn into a monthly loss in those 4 hrs and with no more IFTs left till the next month to make the $ back.

    The G and F funds are supposed to be the funds of safety, but a short visit to the F fund can be quite a disappointment, like this month. For me, I am going to only get in the F fund if I plan on being out of the stock funds for more than a month. Some of the same Technical Analysis rules that apply to the stock funds can also apply to the F fund though, so after being beat down for awhile it would have more of a potential upside.

    The I fund is also very risky. In May of 2010 I lost 10% in the I fund in 3 days! I never recovered and was down 22-23% at one point, and ended the year way negative. You are at the mercy of many foreign economies, plus the changing value of the dollar. That being said, sometimes the gains in the I fund are fantastic. I do take the bait sometimes.

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  13. #7

    Default Re: EricDeLee's account talk

    Eric, there are a number of spreadsheets which are used to calculate return on investments, etc. Tom has a nice one in the Utilities section on the first page of the site. The link below is to another spreadsheet that I use. Works best if you start at the beginning of the year. Open it up and check the Tips tab before you get started.

    http://www.tsptalk.com/utilities/Scouts_Spreadsheet.xls

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  15. #8

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    12,148

    Default Re: EricDeLee's account talk

    Eric, send me a PM with your email and I will send you a copy of my excel spreadsheet.

    Marty
    May the force be with us.

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  17. #9

    Default Re: EricDeLee's account talk

    I sent you a PM... Thanks. I look forward to checking it out.


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  19. #10

    Default Re: EricDeLee's account talk

    So watching the markets for probably some of the first time with real interest this week was pretty interesting. I made a few changes regarding my IFTs for May, as I wanted to get a feel for that for the upcoming months. I still don't know a lot about this stuff, but took my lumps yesterday, and then turned around and watched it come back to me today (not completely, but that's okay. So tracking a little bit, I lost -0.82% yesterday when everything was down down down. I was curious as to how that was going to turn out, and was really worried when I saw a comment that people should lump back into the G Fund as a down-trend was expected for Thursday and Friday. But then the Futures went up. Someone gave me a link to that yesterday, but I couldn't make sense of it. Instead of using that safety net, I decided to see how today was. Gained 0.57 on the account. So I can't complain too much.

    So far... it is pretty cool to actually see what can effect our TSP account, and what doesn't I had no freakin' clue in the past.
    I still don't have a clue, but I know what to watch on my iphone.

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  21. #11

    Default Re: EricDeLee's account talk

    let's talk chess moves:
    A lot of people are saying there will be a small upward trend for the month of June. a couple are saying no. I also noticed historical data for 1JUN and now wonder if it is a safer move to do an IFT and drop everything into the G Fund tomorrow, and then adjust everything on the 4th. Or simply ride the storm and see what happens over the historical number of 1JUN (which I assume is really 3JUN, since 1JUN is Saturday).

    Also... I've heard of a chess moves of throwing 100% at S Funds from Mid November to late April, and then switching to G Funds for the remainder time. Historically over 10 years, it seems to have a 11.9% average. That's a lot better than my 3-4% I have been earning and wondered what others think. Although... it still seems like a bit of buy and hold method. What do you guys think....
    I believe that has left me a lot to ponder.

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  23. #12

    Default Re: EricDeLee's account talk

    We are in an uptrend, but June is traditionally a weak month -- conundrum.
    100% G Fund COB 13 March 2020

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