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Thread: Transfer balances to L?

  1. #13

    Unhappy Re: Transfer balances to L?

    Quote Originally Posted by SkyPilot View Post
    Hmmm.... No one has ever referred to me as "Shy" before.
    oPPPPPs ! Spelling Check !

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  3. #14

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

    Default Re: Transfer balances to L?

    Technically, L funds have not been tested for downturns, as they were developed in reaction to the 1999-2001 tech bubble. I have not seen an analysis of how they would have fared during that period (and am not sure if it is possible to do an analysis since L-Year funds increase their shares in conservative funds over time until reaching L income rates and for a long time we only had G and C so again analysis may be impossible).

    My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.
    "All the prophets of Doom, Can always find room, In a world full of worry and fear..." - Protest Song, Monty Python

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  5. #15

    Default Re: Transfer balances to L?

    Rokid did some testing for that awhile back. See here:

    http://www.tsptalk.com/mb/showpost.p...5&postcount=98

    Quote Originally Posted by Silverbird View Post
    Technically, L funds have not been tested for downturns, as they were developed in reaction to the 1999-2001 tech bubble. I have not seen an analysis of how they would have fared during that period (and am not sure if it is possible to do an analysis since L-Year funds increase their shares in conservative funds over time until reaching L income rates and for a long time we only had G and C so again analysis may be impossible).

    My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.

  6.  
  7. #16

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,944

    Default Re: Transfer balances to L?

    Quote Originally Posted by Silverbird View Post
    Technically, L funds have not been tested ....

    Quote Originally Posted by luv2read View Post
    Rokid did some testing for that awhile back. See here:

    http://www.tsptalk.com/mb/showpost.p...5&postcount=98
    My 2 copper plated cents on L funds is there is no sense jumping full bore into the more equity heavy (L2040/L2030) funds until a good entry point for stock buys. Earlier, only G and F were making profits. Now though, there is question if equities have reached their bottom and are ready to go up. Being a very carefull birdeen, I'm not ready to launch yet.
    Well, hmm....I NEVER tell anyone to go to the L funds unless they seriously hate looking at the markets. I use that resource to show how "little" action there actually is in the "L" fund. I show them risk versus return. I will probably go to the L when I can't move my fingers across a keyboard.

    The bodybuilders have it right - "No Pain, No Gain!"
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

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  9. #17

    Default Re: Transfer balances to L?

    things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.

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  11. #18

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,944

    Default Re: Transfer balances to L?

    Quote Originally Posted by DCguy View Post
    things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.
    Well, If you just take the match from Uncle Sam and do that infommercial "Set it and forget it" you could use it as your safe haven. But then again, a glance at the fund returns shows that the "G" fund returned better than any "L" fund last 12 months. Also, not much more the last three years. With the IFT limitation, you could still protect gains. I just hate not maximizing my returns. If you didn't want to "play" the game, then maybe but it really comes down to your personal prefeerence.

    But aggressiveness for me is NOW....I got 17 yrs to go.

    $0.04 (with interest)
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund


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  13. #19

    Default Re: Transfer balances to L?

    Quote Originally Posted by DCguy View Post
    things have changed since the introduction of IFT restriction. I'm starting to think L2040 is a good choice.
    exactly the way they want you to think. And all feds within 5 years of retirement, think L Income. Good little sheeple!

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  15. #20

    Join Date
    Feb 2007
    Location
    San Diego, CA
    Posts
    6,944

    Default Re: Transfer balances to L?

    Quote Originally Posted by luv2read View Post
    exactly the way they want you to think. And all feds within 5 years of retirement, think L Income. Good little sheeple!

    Sheeple = 3.9 million TSP pariticpants - 3100 TSPTALK participants

    http://www.tsp.gov/forms/financial-stmt.pdf

    Reread these financial statements and ask the same questions I did:

    1 - From 2006 to 2007 Investment Expenses down
    2 - Contributions up
    3 - Insurance quadrupled?
    4 - Administrative expenses down
    5 - Liabilities down

    Why did insurance get so high? What does that insurance buy us? Did they allocate 4.3 million to pay 273,000 what is up with those insurance numbers? I need a class, but it seems to me that we are seeing some weird calculations. I can't wait to see the 2007-2008 comparison.
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  16.  
  17. #21

    Default Re: Transfer balances to L?

    Quote Originally Posted by SkyPilot View Post
    Hmmm.... No one has ever referred to me as "Shy" before.
    bump
    Official Retirement Date: 06-31-2014!

  18.  
  19. #22

    Default Re: Transfer balances to L?

    Quote Originally Posted by nnuut View Post
    Hi SP, nice to hear from you again, been on any other trips? Enjoyed your CD of the last one.
    Will return to Ukraine this fall (4th trip).

    Not much to say, as I haven't changed allocation in 4 months... Just cannot figure this market out, and now that I can't move in a meaningful way, it just sucks.

    That's the way it goes...
    Official Retirement Date: 06-31-2014!

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  21. #23

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
    Posts
    59,522

    Default Re: Transfer balances to L?

    I know what you mean!! Best of luck on your next trip!
    Norman
    12/04/2019
    CRUDE Oil =
    $58.43 +$2.33

  22.  
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