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Reply With QuoteHmmmmm... it is an opportunity to rebalance to S, assuming it will rise faster/farther subsequent to the bloodletting.
Re: Cactus' Account Talk
You are more right than you know. C is still leading with respect to S but now in the opposite direction. The net effect is once again I miss the greater gains while receiving the greater losses. I can't win for losing. And people wonder why I say I won't be able to afford retirement by 2022.Originally Posted by GREENBAYPACKERS
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
Hmmmmm... it is an opportunity to rebalance to S, assuming it will rise faster/farther subsequent to the bloodletting.
50% S, 50% C 06 Mar, was 100% G; 80% S 20% C COB 08 Jan '24; 100% G COB 14 Nov; was 100% C COB 31 Oct (Boo!); was 100% G COB 12 Oct; was 50% C, 50% S COB 22 Jun; Life is good!
Re: Cactus' Account Talk
Yeah, but I'm not sure it will. I'm still thinking C will continue to lead in which ever direction the market goes.
Since I'm still betting on C, the smart move for you would be to go with S.
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
FERS Annuity Computations: 1% vs. 1.1%
https://www.fedsmith.com/2018/02/06/...-computations/
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
I didn't know this either..but it probably wouldn't have changed anything for me.
Re: Cactus' Account Talk
Hey, I'm ahead of the F Fund!
Cactus F Fund (1.65%) (1.81%)
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
Well, that didn't last long.Hey, I'm ahead of the F Fund!
Cactus F Fund (1.65%) (1.81%) 
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
Proposed changes to our benefits: https://www.fedsmith.com/2018/02/12/...y-2019-budget/
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
Hopefully they stay that way, proposed. Unfortunately, in time, our benefits are going to be on the chopping block.
Proposed changes to our benefits: https://www.fedsmith.com/2018/02/12/...y-2019-budget/
Weatherweenie's Account Talk
Teddy Roosevelt: Patriotism means to stand by the country. It does not mean to stand by the president or any other public official. Retired on November 30, 2023 with 30+ years of service.
Re: Cactus' Account Talk
What Impact Does Sick Leave Have on the FERS Annuity Computation? https://www.fedsmith.com/2018/02/14/...y-computation/
His answer surprised me. I was sure you had to have the full 20 years without sickleave added in to get the 1.1% vs. 1%.
Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
Past Returns: 2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%
Re: Cactus' Account Talk
When using sick leave to increase your service time for retirement you have to be careful with your calculations. It is calculated at 6 hours not 8 and only as a full month. So basically you need 25 sick days to equal 20 days for retirement So what ever extra hours you have make sure you don't miscalculate and dip one hour into that month or you stand to loose 4 weeks of sick time. When I retired I gave back 3 days of sick time just to make sure I didn't make a mistake.
May the force be with us.
Re: Cactus' Account Talk
When using sick leave to increase your service time for retirement you have to be careful with your calculations. It is calculated at 6 hours not 8 and only as a full month. So basically you need 25 sick days to equal 20 days for retirement So what ever extra hours you have make sure you don't miscalculate and dip one hour into that month or you stand to loose 4 weeks of sick time. When I retired I gave back 3 days of sick time just to make sure I didn't make a mistake.
May the force be with us.
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