Page 98 of 118 FirstFirst ... 488896979899100108 ... LastLast
Results 1,165 to 1,176 of 1406

Thread: bmneveu's Account Talk

  1. #1165

    Join Date
    May 2011
    Location
    Florida
    Posts
    1,840
    Blog Entries
    6

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by oceanminded18 View Post
    The question is when to move from S to C...if I'm down already I'll lock in the losses but if I wait for myself to get back even or at a profit then I'm buying at a higher share price. Thoughts?
    Another way to look at it is that you will be selling S at a higher share price too.

    Honestly I don't think about TSP fund share prices at all, ever. I think of how exposed/volatile I want to be. S is max exposure max volatility, C is max exposure medium volatility, F is for shorting stocks (in a roundabout way, not literally), and G is zero exposure, zero volatility. If you have 20+ years to go and expect small caps to outperform large caps over that time (as they have historically), then set it in S and forget it. Investing in C is a defensive move imo. There are use cases for it, like trading in a bear market or investing closer to retirement, but people in our shoes should be in S.

    This is all just my opinion. Hope it helps!

  2.  
  3. #1166

    Join Date
    May 2011
    Location
    Florida
    Posts
    1,840
    Blog Entries
    6

    Default Re: bmneveu's Account Talk

    I gotta say I am pleasantly surprised to see my stock account flat and my TSP account (expected) to be up big after how we were looking this morning.

  4.  
  5. #1167

    Join Date
    May 2011
    Location
    Florida
    Posts
    1,840
    Blog Entries
    6

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    I gotta say I am pleasantly surprised to see my stock account flat and my TSP account (expected) to be up big after how we were looking this morning.
    2.09% for the S Fund! Woo!

  6.  
  7. #1168

    Join Date
    Aug 2011
    Location
    Mississippi
    Posts
    904

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    2.09% for the S Fund! Woo!
    Congratulations!!!

  8.  
  9. Default Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    Another way to look at it is that you will be selling S at a higher share price too.

    Honestly I don't think about TSP fund share prices at all, ever. I think of how exposed/volatile I want to be. S is max exposure max volatility, C is max exposure medium volatility, F is for shorting stocks (in a roundabout way, not literally), and G is zero exposure, zero volatility. If you have 20+ years to go and expect small caps to outperform large caps over that time (as they have historically), then set it in S and forget it. Investing in C is a defensive move imo. There are use cases for it, like trading in a bear market or investing closer to retirement, but people in our shoes should be in S.

    This is all just my opinion. Hope it helps!
    This is helpful, thank for responding! Your perspective on holding S vs C long term is quite interesting and something up until COVID I hadn't really put much thought into...truth is, until COVID I was in an L-fund and didn't pay much attention to the TSP....now I'm learning and paying a lot more attention to it! I just looked on the TSP website and interestingly enough, it looks like the C fund has outperformed the S over the 1, 3, 5, 10 year intervals...no one knows what'll happen over the next 10-20 but either way I won't be in the L fund anymore!

  10.  
  11. #1170

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    12,151

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    2.09% for the S Fund! Woo!
    I'm with you. Surprised how the "S" fund finished yesterday. Slowly making up for that 10% loss last week.
    May the force be with us.


  12.  
  13. #1171

    Join Date
    Apr 2008
    Location
    Cleveland, Ohio
    Posts
    12,151

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by oceanminded18 View Post
    This is helpful, thank for responding! Your perspective on holding S vs C long term is quite interesting and something up until COVID I hadn't really put much thought into...truth is, until COVID I was in an L-fund and didn't pay much attention to the TSP....now I'm learning and paying a lot more attention to it! I just looked on the TSP website and interestingly enough, it looks like the C fund has outperformed the S over the 1, 3, 5, 10 year intervals...no one knows what'll happen over the next 10-20 but either way I won't be in the L fund anymore!
    I haven't added the 2019 year end numbers to my excel sheet yet, but from 2001 (when the "S" fund was added to our TSP accounts) to 2018 the "S" fund has out performed the "C" fund 174.33% to 131.70%. However, if you had stayed 100% invested in the "C" fund since 1988 you would have earned 355.03%.
    May the force be with us.

  14.  
  15. #1172

    Join Date
    Jun 2004
    Location
    In Your Imagination...
    Posts
    4,385

    Arrow Re: bmneveu's Account Talk

    Quote Originally Posted by nasa1974 View Post
    However, if you had stayed 100% invested in the "C" fund since 1988 you would have earned 355.03%.
    That's a sucky return for 32 years... compared with what you could have done outside of the TSP.
    "Treat your wife with honor, respect, and understanding as you live together so that you can pray effectively as husband and wife." 1 Peter 3:7

  16.  
  17. #1173

    Join Date
    May 2011
    Location
    Florida
    Posts
    1,840
    Blog Entries
    6

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by Rod View Post
    That's a sucky return for 32 years... compared with what you could have done outside of the TSP.
    11% per year while being shielded from the risk of small cap volatility is pretty dang good. Most investors take that in a heartbeat.

  18.  
  19. #1174

    Join Date
    Jun 2004
    Location
    In Your Imagination...
    Posts
    4,385

    Arrow Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    11% per year while being shielded from the risk of small cap volatility is pretty dang good. Most investors take that in a heartbeat.
    Yeah... I know the feeling. My average annual return was 14.18% during my 10-year TSP buy-n-hold of 60 (C) 40 (S). I was quite happy with that.
    "Treat your wife with honor, respect, and understanding as you live together so that you can pray effectively as husband and wife." 1 Peter 3:7

  20.  
  21. #1175

    Default Re: bmneveu's Account Talk

    Quote Originally Posted by bmneveu View Post
    11% per year while being shielded from the risk of small cap volatility is pretty dang good. Most investors take that in a heartbeat.
    355.03% over 32 years only amounts to an annualized return of 8.22%.

    That's better than my record but not great. 8% a year is the new average. I think most people here are looking for more.
    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%

  22.  
  23. #1176

    Join Date
    Sep 2006
    Location
    Rocky Mountain High
    Posts
    6,960

    Default Re: bmneveu's Account Talk

    8.22% annualized over 32 years is a spectacular result.

    Quote Originally Posted by Cactus View Post
    355.03% over 32 years only amounts to an annualized return of 8.22%.

    That's better than my record but not great. 8% a year is the new average. I think most people here are looking for more.
    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.

  24.  
Page 98 of 118 FirstFirst ... 488896979899100108 ... LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
S&P500 (C Fund) (delayed)
bmneveu's Account Talk
(Stockcharts.com Real-time)
DWCPF (S Fund) (delayed)
bmneveu's Account Talk
(Stockcharts.com Real-time)
EFA (I Fund) (delayed)
bmneveu's Account Talk
(Stockcharts.com Real-time)
BND (F Fund) (delayed)
bmneveu's Account Talk
(Stockcharts.com Real-time)

Yahoo Finance Realtime TSP Fund Tracking Index Quotes