2moryrs Account Talk

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Sorry to hear, celebrate your Mom's life, remember with good cheer. I've looked at 'senior living' facilities and they are certainly a large compromise in most cases. My dad is up for a hernia operation and and a hip replacement, it will be challenging I'm sure. I'm sure many on this board are in similar circumstances and can provide good advice and support.
 
Thank you all for your comments. It has been a rough couple of years. I just take one day at a time and "keep calm and carry on!"

What is going to happen between now and the November elections? I think I will hold where I am at unless I see something here on the Boards.
Currently:
C-25
S-24
Inc-51
 
WOW has it really been since August!?!
Life has been ups and downs. Now, am trying to get on some sort of a schedule in order to get to do the things I want to enjoy in my retirement. Can't believe I am in my eighth year of retirement.

Thinking about making a change in my TSP. Will possibly do it tomorrow morning.
 
On COB went to 100% F Fund for a short time. Starting August 1st, will be watching my TSP account and trying to make up some losses.

Good job July Tracker Winners!
 
On Friday before noon, I went to 50-C and 50-S. Looks like a good decision. Made it into positive territory. And into the top ten this month for the first time ever!
 
I made a tiny improvement into positive territory. I won't be able to follow TSP closely for the rest of the month so retreating into G Fund until Sept.
COB 8/12/16 100% G.
 
Well, on January 6th I decided to sign up for a premium service. Can't say anymore about it but I was surprised when I went from -1.57 PIP on 12/31/16 to +6.02 PIP on 1/31/17. I was pleased to say the least!

csh
 
I'm glad you are pleased but it would be more relevant to look at your rate of return from 1/6/2017 (or the date you made your first TSP IFT based on their advice) to 1/31/2017 The PIP covers the whole year so your annual rate of return has little to do what you did for less than a full month. In TSP, you can go to "Activity Summary" and put in the same dates for 2016 and calculate the RoR for the same period, which would be a more relevant comparison. RoR = Gain or Loss / Beginning Balance (adjusted for +additions or -withdrawals). Since January and February had major drops last year in the stock funds, the increase in PIP may or may not be related to any advice received from premium advice.
 
evilanne said:
I'm glad you are pleased but it would be more relevant to look at your rate of return from 1/6/2017 (or the date you made your first TSP IFT based on their advice) to 1/31/2017 The PIP covers the whole year so your annual rate of return has little to do what you did for less than a full month. In TSP, you can go to "Activity Summary" and put in the same dates for 2016 and calculate the RoR for the same period, which would be a more relevant comparison. RoR = Gain or Loss / Beginning Balance (adjusted for +additions or -withdrawals). Since January and February had major drops last year in the stock funds, the increase in PIP may or may not be related to any advice received from premium advice.
Click to expand...

Thank you for the info. I will check that out.

csh
 
Okay, I am not a mathematician. If I was not in the same funds at the same period, I would not get a good comparison?
In the same time period in 2016:
1/6/2016 - 1/31/2016 I was in only 2 funds, C and S. Big loss here
In the same time period in 2017:
1/6/2017 - 1/31/2017 I was in 4 funds. Small gain here
 
2moryrs said:
Okay, I am not a mathematician. If I was not in the same funds at the same period, I would not get a good comparison?
In the same time period in 2016:
1/6/2016 - 1/31/2016 I was in only 2 funds, C and S. Big loss here
In the same time period in 2017:
1/6/2017 - 1/31/2017 I was in 4 funds. Small gain here
Click to expand...

I think it may be better to see how it compares over a longer period of time. If they show their past returns based on their advice, that may be a more comparable measure to what you actually did. If they don't have that info available, you could compare a long term subscriber's past returns to your actual returns over the same time period. On the main TSPTalk page, they post the advisory returns in comparison to the different TSP funds. You can also evaluate what you would do would be doing without the advisory (hypothetically) to what you do with following the advisory. As I recall, the advisory services last year didn't seem to be as high as many non-subscriber's accounts but much of that has to do with your underlying investment goals, risk tolerance or aversion and sometimes a bit of luck. I just think it is wise to compare apples to apples, however, you chose to do it. I hope all TSPer's do well this year but I'm curious how well the advisors do and whether it is worth the price you pay. Happy Trails:D
 
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