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A 3 std loss, especially just into retirement, would quite frankly, suck, especially for those depending on their TSP accounts for a significant chunk of their retirement income. Rick Ferri's new...

Regarding std, I guess the experts are encouraging investors to consider the potential of a 3 std annual loss during the investors lifetime. In the case of L2010, that would be pushing -22% using...

Saturneptune:

First, I would recommend that you go to tsp.gov and read the L fund information sheet and play around with the slide rule showing how the asset allocation becomes more conservative...

Saturneptune,

Negative comments about C, S, I basically equate to a bear market mentality. So, are we in a bear or bull market? Nobody really knows. Members can speculate about where stocks and...

"The G fund contains U.S. Treasury securities that together earn a return similar to that of intermediate to long-term U.S. Treasury securities. Because the G Fund securities typically mature in one...

Financial Engines is a wonderful long-term financial planning tool available free of charge to TSP participants. The website's founder, William Sharpe, is a Nobel Laureate and is most commonly known...

Dr. Bernstein's view on the housing market:


Efficient Frontier
http://efficientfrontier.com/ef/logotran.gif
William J. Bernstein


http://efficientfrontier.com/ef/bar.jpg

Enter Shiller's antithesis, Jeremy Siegal:



The Future for Investorsby Jeremy Siegel, Ph.D.
Finance Home > The Future for Investors > Is Real Estate a House of Cards?



Is Real Estate a...

I would highly recommend that everyone check out Jonathan Clements' column in the Wall Street Journal. Here is his latest:

Five Bits of Conventional Wisdom to Ignore
By JONATHAN CLEMENTS
Staff...

Rokid, wonderful job.

Here are some additionalconclusions about diversified portfolios: Over this time period, passive, diversified portfolios captured the entire return of each asset class...

How Not to Ruin Your Lifeby Ben Stein
Finance Home > How Not to Ruin Your Life > Cement, Steel, and Stocks



Cement, Steel, and Stocks
by Ben Stein
Utility Links

An interesting take from Ben Stein regarding Greenspan and raising interest rates:



How Not to Ruin Your Lifeby Ben Stein
Finance Home > How Not to Ruin Your Life > I Love You Alan Greenspan,...

Dennis,

Your post begs the question - why hasn't the S&P500 taken off? Are expectations so highthat the 500companies mustcontinue to beat expectations every quarter just to tread water or are...

It will be interesting to see how the competitive bidding process for F, C, S, and I plays out. If Barclays loses and a domestic firm wins, you folks may have more leverageto push for alater...

From InvestorSolutions.com:



Coming Soon: The Roth 401(k)
Richard Feldman, CFP, MBA
08/02/2005 -

Thanks, everyone. Pyriel - not quite a fortune but hopefully, will be enough to stay away from the cat food line. I have heard $15K will be the annual max. Could be all to tax deferred, a combination...

Dennis - understood regarding the Roth TSP option. Hopefully, they will add the Roth TSP as an option for participants of the plan in 2006. If they do, I am leaning towards using it. RMDs will apply...

It is my understanding that ifparticipants are offered the option to contribute to a Roth TSP in lieu of a traditional TSP, the cap for all contributions is still $15K, this is not a new saving...

michelleunit - you may also be able to find them at your local library - I like to check them out every now and again for a refresher.

michellenut - find out what your husbands options are then read the following books: The Four Pillars of Investing and The Intelligent Asset Allocator both by William Bernstein. There is a ton of...

Dennis -great attitude. Sounds like you havebeen through many cycles. As you close in on retirement and the distribution phase, do you plan to move a significantchunk to fixed income or stay with...

mitchellunit,

You should only max the Roth before TSP if you are very certain that you will be in a higher tax bracket later. If it looks like your bracket will be the same or lower based on...

Dennis,

Do you plan to stay the course if stocks (C fund) drop for a prolonged period and continue withdollar cost averaging or do you have a point in mind where you would pull the ripcord?

Mike - for a young person like yourself in a low tax bracket,you are probably right. Hopefully, it works out the way you anticipate.



Dennis - why limitthe choices toeither C or G?

Mike,

Sounds like you are on track. Startingyour contributions while you are young will give compounding an opportunity to work for you and your plan to achieve a strong position in both a Roth...