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    Super Duper Conservative Allocation

    Using PortfolioVisualizer BackTest Portfolio Asset Class Allocation (crossroaded to TSP):


    G: Short Term Treasury 22.00%
    F: Total US Bond Market 27.00%
    C: US Large Cap 24.00%
    S: US...
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    Super Duper Conservative Allocation

    So, this super super very conservative allocation:


    G: 22%
    F: 27%
    C: 24%
    S: 20%
    I: 7%

    generates a 7% average annual return with 7% risk (1)...
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    Re: Question: Why is the S Fund booming

    Politicians discussing a tax 'reform' that increases investment taxes is not a good time to be invested:


    G: 22%
    F: 27%
    C: 24%
    S: 20%
    I: 7%

    Expected Annual Return: Probably in the 6%...
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    Re: tsptalk's Market Talk

    It feels totally like institutional 'investing' and/or hedge fund 'investing'. Totally.

    There are likely others on this site who can sleuth that activity out. But, that is a very large amount of...
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    Re: Question: Why is the S Fund booming

    You didn't ask me, but since this is my Member Thread you goin' to have to listen to my opinion:nuts:

    The investment strategy you mentioned is called 'Momentum Investing' - or, more informally...
  6. Re: Someone check my math on CAGR and voice your opinion please? Thank you for readin

    I use MoneyChimps 'CAGR of the Stock Market (Annualized Return)' to get those numbers - makes life much easier:D

    You make a valid point - and, one that I surprisingly figured out in a post I did...
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    Re: Question: Why is the S Fund booming

    A couple of messages in another thread got me thinking of investment risk.

    Some folks, perhaps those who were not watching their retirement assets in 2001, 2003, and 2008, have a magic number they...
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    Re: Share Your TSP Balance and Your Age Thread

    Based on my previous entries I'm well in front of my target:

    Age: 57
    Balance: $737K (as of 2020/12/31)
    Investing: Alternate between three allocations (Conservative, Normal, Aggressive)
    Expected...
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    Re: Share Your TSP Balance and Your Age Thread

    And, probably will never have to pull that trigger with returns like that. Amazing... GLHF
  10. Re: GameStop, Reddit and Robinhood: A full recap of the historic retail trading mania

    Ah, but the beauty of this situation is this:

    That million dollars split among ten thousand people is pocket change for each of those folks - but, it kept the stock from sinking enough for the...
  11. Re: GameStop, Reddit and Robinhood: A full recap of the historic retail trading mania

    Folks seem to be misunderstanding this...


    The 'Legion of Retail Traders' were able to 'invest' only an amount that stopped the stock from dropping in price - see the chart.
    The wonderful...
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    Re: Rod's Account Talk

    Yeah, the Talking Heads were yammering about the FED talk. Then the FED talked and the market kept declining. I really don't like market declines in the last hour.

    It might be around the time...
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    Re: Question: Why is the S Fund booming

    That is a super frowny face on the market today...

    Scientifically speaking, it might be time to bail to a conservative allocation...

    All the jibber jabber yokels were a-yokeling about the...
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    Re: Questions About Rolling Over to IRA

    What you are talking about is an 'In Service Withdrawal'.

    You cannot bounce assets back and forth between retirement accounts. An 'In Service Withdrawal' will have tax consequences and a likely...
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    Question: Why is the S Fund booming

    I guess the title says it all: Why is the S Fund (US Stock Market excluding S&P500) booming???

    If we can understand the reason for the advance we can make decisions. The stupid snippets in the...
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    Re: tsptalk's Market Talk

    You can't.

    The best you can do is roll-over it to another retirement account such as a Traditional IRA. You can do that when you quit or when you retire.

    Also, while I am not certain of the...
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    Re: DreamboatAnnie's Account Talk

    AGG (Bonds) are stinkers, but they will help buffer things when the S Fund corrects.

    I don't pretend to know when the S Fund will correct, although it does seem a bit floaty right now. What I...
  18. Thread: Account

    by Boghie
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    Re: Account

    I vote this post to be the most interesting post of the year!!!

    Tom, count my vote!!!

    Sorry, just had to do this:D
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    Re: Rod's Account Talk

    I'm going to keep my powder dry and attempt to keep politics (and my emotions) out of my financial planning. I could have retired now had I just stuck to a 60/40 (equities/bonds) split from 2010...
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    Re: weatherweenie's account talk

    Look into a 72(T) Distribution. I think that is the ONLY way to pull money out of either TSP, a 401(k), or a Traditional IRA before the age of 59 1/2 without penalty.

    BTW, you cannot put a lump...
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    Re: Rod's Account Talk

    Uh, the Federal Gubmint just ran a $3.132 Trillion deficit for FY2020.

    Is this good???

    And, Social Security was expected to be in surplus by a measly $10 Billion in 2020 - thus, it can no long...
  22. Re: All federal employees will be subject to Trumpís payroll tax deferral

    I think the computation should be:


    Clawback = Your normal Social Security 'contribution' + ((Your normal Social Security 'contribution) * 8)/24)

    For me, the deferral lasted eight pay periods....
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    Re: TSP Allocation

    I decided to crunch some numbers for various types of retirement programs. For Social Security I am not using the returns promised by politicians, but instead the actual return on investment.
    ...
  24. Re: All federal employees will be subject to Trumpís payroll tax deferral

    And, now comes the poison pill of poison pills. The Social Security clawback is about to begin



    I really hope we haven't started to live on that deferral, but I know folks have and think it is...
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    Re: Rod's Account Talk

    Unless President Biden waves the Social Security clawback folks are going to take a massive hit in their take home income starting this month...

    If he, and Congress, want to spend on Bread and...
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SPY (C Fund) (delayed)

(Stockcharts.com Real-time)
DWCPF (S Fund) (delayed)

(Stockcharts.com Real-time)
EFA (I Fund) (delayed)

(Stockcharts.com Real-time)
BND (F Fund) (delayed)

(Stockcharts.com Real-time)

Yahoo Finance Realtime TSP Fund Tracking Index Quotes