My disability is degenerative and there are lots of medical bills so I need to make the best of my investments. (My medical condition is also very painful, so please excuse my grumpy days!)
Sorry to hear about your disability, I am sure you are taking care of yourself, and know that stress is not good for any type of illness so please do be careful, we can all get very stressed out at times at this MB (you will see for yourself). However, we all enjoy ourselves very much, we are like a huge family and you will find very smart, knowledgeable members who are not afraid to share it with the rest of us.
But we are debt-free so that helps. And I’m already contracting projects with my former agency again, which pays well.
I also retired Dec 07 totally debt free and it is a blessing, so I know what you mean. Looks like your agency does not want to lose you, they recognize your skills and abilities and that must make you feel very good, congratulations!
I usually invest using an approximate one to one stock to bond ratio (although I’m in more stocks lately). I keep most of my TSP bond allocation in G because I’m already tapping my TSP for income, so my investment percentages are tilted slightly toward asset preservation rather than asset growth.
I invest the stock part of my TSP by tracking rolling averages. In mid-2003, I started tracking the fund prices and comparing them to their performance over the last 14, 28, 50, 100, 150 and 200 days. I use that information to allocate my account among all five funds, and I always stay diversified.
Birchtree says I am limiting my upside potential by spreading out over all the funds, and he is right. But I’m not NEARLY as good at this as he is, and it limits my downside potential too.
I don’t ever get in on the very start of up or down trends that way, but it’s less stress, and I have enough adventure in my life anymore just getting through each day so I don’t need more adrenalin in my life.
Maybe after I’ve been on the MB for a while longer I’ll be more confident of my allocations and allocate to fewer funds at a time.
I’ve moved a bit more than usual into stocks this spring. In my TSP I’m currently allocated at 27% G, 7% F, 30% C, 15% S, and 21% I. I’m thinking I should get more back into G but haven’t done it yet. My TSP account is currently up 2.87% for the year.
For those of you who are interested, my figures show:
G Fund is at its 14 day average, 0.2% above its 50 day average, and 1.0% above its 200 day average.
F Fund is 0.1% above its 14 day average, 0.3% above its 50 day average, and 1.3% above its 200 day average.
C Fund is 0.1% above its 14 day average, 2.3% above its 50 day average, and 3.0% above its 200 day average.
S Fund is
0.1% below its 14 day average, 2.9% above its 50 day average, and 4.0% above its 200 day average.
I Fund is at its 14 day average, 3.1% above its 50 day average, and 4.8% above its 200 day average.
Any and all comments will always be gratefully accepted on this thread.
Thanks for visiting with me!
Lady
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