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Thread: Hello, nervous little bird here

  1. #1

    Join Date
    Oct 2007
    Location
    Occoquan, VA
    Posts
    2,423

    Default Hello, nervous little bird here

    Age 45, expected retirement age either 62 or 67 (depending on how long I can stand it ). Went through the 2000-2002 fun and games with a very conservative approach. Good news: my biggest annual in TSP loss was 2 percent. Maybe not so good news: my TSP average annual growth rate per year is 7 percent.

    I'd be less nervous, except the stock market seems to be on a bull ride. And this wee birdeen thinks she hears a cat ahead in the economic grass but isn't quite sure when to take flight. Last time I took off quite a bit too early and missed the climb. But I don't want to get surprised on the ground either and get my investments eaten. Tweet.


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  3. #2

    Join Date
    Aug 2004
    Location
    Oklahoma, USA
    Posts
    4,064

    Default Re: Hello, nervous little bird here

    Welcome there Silverbird!.....

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  5. #3

    Default Re: Hello, nervous little bird here

    Welcome Silverbird! Thanks for joining us!
    Tom
    Market Commentary | My Blog | TSP Talk Plus | |

    I am not a Registered Investment Advisor. Do your own due diligence.

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  7. #4

    Default Re: Hello, nervous little bird here

    Welcome Silverbird,

    Lot's of great places to perch here.

    Watch, listen and learn...

    Early Bird gets worm, Second mouse gets cheese!
    Official Retirement Date: 06-31-2014!

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  9. #5

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,980

    Default Re: Hello, nervous little bird here

    Welcome to the board. Just remember, you can't soar with eagles if you hang around with turkeys! Good luck with your investing!
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    Check my position

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  11. #6

    Join Date
    Apr 2005
    Posts
    14,183
    Blog Entries
    12

    Default Re: Hello, nervous little bird here

    Welcome-

    Nice to have you here.

    Hope all your investments grow with time.

    Good luck, and happy investing!

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  13. #7

    Join Date
    Jul 2005
    Location
    Atlanta, GA
    Posts
    2,247
    Blog Entries
    1

    Default Re: Hello, nervous little bird here

    Welcome and there's never a dumb question. Good luck
    CURRENT ALLOCATION = 100% S
    Fear is the greatest buy signal ever seen in the stock markets - Birchtree

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  15. #8

    Join Date
    Oct 2005
    Location
    rockville, md
    Posts
    1,667

    Default Re: Hello, nervous little bird here

    Way ahead of the game with only a 2% annual loss. Most lost 20%-40%.
    Have you checked out the L2030 or L2040 funds? They should be good in keeping your feathers from getting ruffled, and make better than an annual 7% until retirement. That's the party line anyway. Good place to park it while you read up here.

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  17. #9

    Default Re: Hello, nervous little bird here

    Hey Silverbird.

    Welcome aboard. Don't feel like you are alone with those feelings. But if you dig a little deeper....the ebbchart followers have made 30% so far this year. That is only 5% less than you made from 2002 to 2007. And they did it in a little over 9 month. You didn't lose much-2% in any one year. Most of use lost a lot....I lost about 60% of my TSP balance by not paying attention. But I am now at twice the balance that I had pre-2002. Those who pay attention to this site will not lose much money....and should gain a lot of money. If you pay attention to the IFT posts by the top gainers each month and YTD, and emulate their systems (even the conservative ones), not your gut feelings, you will make 10-12% a year. Even if you don't follow it strickly, or subscribe to a pay-for-view site. But it will take a little time. I feel that it is worth it and I will never be a pay and hold investor again. You only make money for the other guy when you buy and hold. You have a lot of time before you retire. You can make a lot of money to be comfortable in your retirement.
    I am retired now, and am doing very well with the gains I am making from the TSPtalk web site.......So, enjoy the ride.


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  19. #10

    Join Date
    Sep 2004
    Location
    Missouri
    Posts
    8,619

    Default Re: Hello, nervous little bird here

    Welcome to the mb!!!
    Socrates: "Democracy, which is a charming form of government, full of variety and disorder, and dispensing a sort of equality to equals and unequaled alike."

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  21. #11

    Join Date
    Jul 2004
    Location
    Virginia, USA
    Posts
    993

    Default Re: Hello, nervous little bird here

    Welcome to our forums. You can join the Automated Tracker once you have 10 posts. Read the Automated Tracker Rules in my signature. Its still in testing by our members, but its working and tracking member fund transfers and allocations. Click Members Ranking to see the current rankings

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  23. #12

    Join Date
    Sep 2007
    Location
    Almost Heaven
    Posts
    1,939

    Default Re: Hello, nervous little bird here

    Welcome silverbird,

    Lots of good info here... enjoy the reads and let's make some money!!!
    Which one of you nuts has got any guts? -- Randle P. McMurphy
    ... stupidity will always find a way. -- Nnuut

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