4/16/04 transfer effective 4/19/04

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thank you for your help. I finally was able to view my participant statements on a non-encypted computer and it makes sense to me now with all the real numbers in front of me. I did notice a pattern. For the past three times I have sold my stocks and gone back to the G fund one day before a big fund price increase. Go figure.:(
 
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Hello Highplains -
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When I added the 5% I and switched from 65% G to 60% G, I was shocked to realize that I had also repurchased my S and C funds at the then higher share price, losing shares and $. I wanted to get to keep the S and C funds I so smartly bought at a nice low price!
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In essence, you sold and bought at the same price. When you reallocate, your old allocation is basically paid at the last closing price, then rebought at that same price. What you originally paid is of no concern at that point.



If I go hide in the G fund, do I gain shares (since I am converting from funds with a currently higher share price) or just get to keep my $ principal?
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You gained shares with the same balance. It would be like selling 2 shares of EBAY for $50 each and buying 4 shares Microsoft for $25 each. You have more shares but you still have $100.

There is no way to change IFTs without changing 100% of our allocations, right?
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That isbasically true. But it's not really a concern. If you have 100% of your account in G, let's say 1100 sharesat 10.37 a share (Total $11,407), and you want to move 80% into the C fund. So you do an 80% C, 20% G transfer.You would now have $2,281.40 in the G fund and $9,125.60 in the C fund. The G fund shares are still $10.37.
I hope that answers you question.

I feel stuck right now because I am not sure which way to go to protect my principal versus missing a potential stock market rise. (I know I am not alone in this).
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You and me both ;)

Don't hesitate to ask questions. This site is for people who want to learn this stuff. And if I didn't answer your questions to your satisfaction, ask again until I do. :D

Tom
 
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Hey all you brave prospective retirees. Anyone who thrives on stress, the market has surebeen complying the last few days. I have been trying to post a question? It is fundamental info, but since I am in healthcare and not economics, I may have missed this(in school). I am currently allocated 60G, 20C, 15S and 5% I funds since last monday. When I added the 5% I and switched from 65% G to 60% G, I was shocked to realize that I had also repurchased my S and C funds at the then higher share price, losing shares and $. I wanted to get to keep the S and C funds I so smartly bought at a nice low price!

If I go hide in the G fund, do I gain shares (since I am converting from funds with a currently higher share price)or just get to keep my $ principal? There is no way to change IFTs without changing 100% of our allocations, right? I feel stuck right now because I am not sure which way to go to protect my principal versus missing a potential stock market rise. (I know I am not alone in this).

I know there are some very sophisticated strategic systems that many of you have posted and they help, but I just need stock market 101 right now regarding how this TSP plan works. Thanks and if my ignorance entertained you then I hope it has brightened your day.:)
 
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I remained 100% in stocks today and it was very pleasing to see the nice gains today, but everyone needs to remember it's only paper and not in your pocket and could be gone by tommarrow evening! so do some jumping, just not too high just yet . we still have a barrier wall to get over and until them :oo

GTO
 
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Well, what a roulette hey? I totally missed the boat today. Made some adjustments this morning hoping forgood returns tomorrow, but we all know how that goes. Thanks for all the comments.
 
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Thanks Lobo, and thanks for chiming in. It's always good to hear some feedback from self proclaimed newbies. I like to know if you are learning or if we (I) are confusing you more.

Today is an interesting example. Like someone said, we are all over the place today. Some all in stocks, some completely out. It can be confusing but it forces us to take everything we are hearing and make an informed decision on our own. We obviously aren't always correct but it sure opens things up to debate and a positive learning environment.

Welcome!
Tom
 
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Well, I've been "lurking" at this great site for a weekor two. Thanks a bunch for all the info. I know NOTHING about all this stuff. Finances are not in my blood. But, I'm FERS and solid in the TSP. I took 100% out of G mid-January and put 50/50 in C & S. Kinda late, huh?! I've been $4,000 +/- ever since....in other words....NOWHERE!! :P Oh well?! And, of course, I fell off the "cliff" with many others the other day...until yeaterday and, I hope,today.

I've read so much of all of your comments that my head is spinning. You are all very smart in this.....I'm a dummy, newbie. Whew! Anyway, I probably am looking at it all wrong, but, I just decided that if I was even $1 ahead, or thought I would be by the end of the day, looking at the "hopefully-continued trend", that I would get back into the G. Then, I would just wait till it all drops again (which it seems to be doing a lot of "up" and "down" stuff right now) below what I sold for, or if the trend looked down for the day, and noone was scheduled to make any "wild" speeches - or other major events scheduled, I would jump back in. No real heavy "brain" stuff here...heh heh. Crazy, I'm sure...but, all I've been seeing for the last couple months is a steady "wave" pattern. I just got in half way up (or down) the wave, if ya know what I mean.

So, I pulled it today, for tommorow, and put 80%into the G, and, low-and-behold, said (I know I'm probably crazy), "just look at that I fund....it's going down...jump in now while it's low" Ha!:D So, the "I" got the 20% left. Whoooooo knoooows?!?!:shock: But, ain't it fun, toying with our retirement?!?!:?

Anyway, thanks for all the info, and "entertainment", I get at this site. I'm definately planning on passing this site on to some friends. It's GREAT!:^:^:^

Well, gotta get back to my nap....see ya! :zz

Lobo
 
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Wow, everybody is all over the place on this one.

I'm heavier in the I fund. Going 25C / 35S / 40 I.

We'll see what happens ......
 
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I was just thinkingabout what TGA said, just as he said it!!May just leave everything as is: G25 C25 S25 I 25. That is unless I hear a compelling thought in the next 15-20 minutes.
 
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I agree PR. Glad I left it in stocks as they are soaring. May move all to C and S, delete the I fund. :)
 
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Good morning everyone. I know it might be a little early stillbut, anyone have allocation recommendations for tomorrow 4/23/04? before the deadline today?Tom? Frizz B.? Thanks all, your comments, responsesare all greatly appreciated.
 
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