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Thread: PessOptimist's Account Talk

  1. #493

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    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by PessOptimist View Post
    Went 100% G fund in October to see what would happen during and after the election. I saw. As usual when to put my small amount back in to stocks becomes a problem. I wouldn’t mind increasing the TSP balance at all but the goal I set was to accept the balance I had when I retired and try to keep it the same after withdrawals. So much for that. Now it’s mid February. I am contemplating putting 10% back in to S fund and see what happens. I may need to hold my nose and shut my eyes and just let it ride.

    Any comments please.

    PO

    I have a hard time addressing someone else's fear. So, I'll just say that the market has obviously been trending upward since about mid-March of 2020, so much so that one guy on the tracker made a 103% return last year. However, during that time there was plenty of times that I was fearful of being fully invested with 100% of my account. Because of that fear, I ended up with a 43% return. So, I suppose the points I want to make are:

    1 - fear is not a bad thing
    2 - you have to be in it to win it
    3 - look for the trends
    4 - if you find yourself risking it all, be content with a smaller monthly gain (it can really add up over a years time)
    5 - fear can keep you out of the market completely, as you know, or it can cause you to abandon a trend early, like me (but I still made some good gains)
    Scott Harrison
    Senatobia, MS

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  3. #494

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    Default Re: PessOptimist's Account Talk

    Whoohoo! An up day. Now all I need is about 1.56% to get back to where I was when I bought that paltry 10% S fund on 25 Feb. As stated you gotta be in to win. I wasn’t in the last quarter or 20 and two months of 21. Yuck.

    No real harm yet but this money is part of the retirement three legged stool.

    PO

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  5. #495

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    Default Re: PessOptimist's Account Talk

    Good Luck PO
    May the force be with us.


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  7. #496

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    Default Re: PessOptimist's Account Talk

    This is getting...tedious? My tiny 10% in S should likely have been in C? Do I sit out this downside or bail? The TSP is an important part of my three legged FERS retirement stool. No irreparable damage yet. Should I Stay or Should I Go? Old Clash song.

    I know no entity other than myself can make this decision.

    PO

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  9. #497

    Default Re: PessOptimist's Account Talk

    Hello PessOptimist - I hope I'm not intruding for posting, but I am having the same debate with myself. Have about 40 in C and didn't see this collapse coming until too late (and it happened so quickly!). Decided to stay put until I see some relief which comes today hopefully, but I have a feeling it won't stay up for long.

    Not a make or break situation, and years to go on the fund, but terribly anxious all the same...




    Quote Originally Posted by PessOptimist View Post
    This is getting...tedious? My tiny 10% in S should likely have been in C? Do I sit out this downside or bail? The TSP is an important part of my three legged FERS retirement stool. No irreparable damage yet. Should I Stay or Should I Go? Old Clash song.

    I know no entity other than myself can make this decision.

    PO

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  11. #498

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    Aug 2020
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    New Hampshire
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    Default Re: PessOptimist's Account Talk

    If you have years to go eastj just take a deep breath and relax.

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  13. #499

    Default Re: PessOptimist's Account Talk

    Thank you ALRetiree! That is so kind of you to say, and it's something I needed to hear! I've only recently started paying attention to the market so I have excess newbie jitters...

    All the best to you,

    J.

    Quote Originally Posted by ALRetiree View Post
    If you have years to go eastj just take a deep breath and relax.

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  15. #500

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    Default Re: PessOptimist's Account Talk

    Quote Originally Posted by PessOptimist View Post
    The TSP is an important part of my three legged FERS retirement stool.
    If the music isn't about to stop (i.e. you have some time before you retire and start withdrawals) then you don't have to worry (yet) if the stool will hold up when you sit down

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  17. #501

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    Default Re: PessOptimist's Account Talk

    And don’t discount the fact that although you can no longer contribute income into your TSP in the traditional way, you can still actively manage your balance in retirement. It’s not over until your account reaches zero.


    Sent from my iPhone using TSP Talk Forums
    Scott Harrison
    Senatobia, MS

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  19. #502

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    Default Re: PessOptimist's Account Talk

    Thanks for the good replies to my whining. I am retired and have been withdrawing for about 3 years now. I decided that my balance the day the last payroll allocation was deposited was what I had and would try to keep earnings withdrawals. I was doing OK until this last downturn. I'm still doing OK.

    PO

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  21. #503

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    Wink Re: PessOptimist's Account Talk

    Quote Originally Posted by rangerray View Post
    And don’t discount the fact that although you can no longer contribute income into your TSP in the traditional way, you can still actively manage your balance in retirement. It’s not over until your account reaches zero.
    When 0 happens will one of my larger female acquaintances sing? Thanks rr.

    I diligently updated my TSP spread sheets as usual this evening. Ewhhh. NBD, just 10% S fund. Do I stick it out and use hopium that it will at least get back to 4/28 prices? Do I bail? Do I move some in to C fund? Do I sit on the toilet and see what happens or lose my eyesight? (old expression reworded)

    I wish hopium was a sleep aid.

    Just whining as usual. Gonna stick it out for a while. Best of luck y’all.

    PO

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  23. #504

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    Default Re: PessOptimist's Account Talk

    It's still a bull market until it's not.
    Scott Harrison
    Senatobia, MS


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