Alternate LMBF methods

[Cactus]

Here are the monthly returns as of 7/30/13.

[TD="bgcolor: #FFFF99, align: left"] Date [/TD]
[TD="bgcolor: #FFFF99, align: center"] G FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] F FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] C FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] S FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] I FUND [/TD]

[TD="bgcolor: #FFFF99, align: left"] 30-Jul-2013 [/TD]
[TD="bgcolor: #CCFFCC, align: right"]0.17% [/TD]
[TD="bgcolor: #CCFFCC, align: right"]0.07% [/TD]
[TD="bgcolor: #CCFFCC, align: right"]5.10% [/TD]
[TD="bgcolor: #99CC00, align: right"]6.60% [/TD]
[TD="bgcolor: #CCFFCC, align: right"]5.60% [/TD]

The best fund is S, so the following IFTs take place before noon eastern tomorrow, 7/31/13:

• LMBF-1 : changes from the G Fund to the S Fund
• LMBF-1 SIM : remains in the F Fund through October
• LMBF-1 C>S : changes from the G Fund to the S Fund
• LMBF-1 CI>S : changes from the G Fund to the S Fund

 

[Hallatauer]

If you start second guessing, letting emotion control your decisions, then why bother following a system? You have to be detached. Put the worry of what could have been behind you and know that the previous results have been great and that down or missed opportunities will always exist.

 

[Cactus]

Here are the results through the end of July, and as you can see, the LMBF variants basically came in last place. That's the price of safety.

[TD="bgcolor: #99CCFF, align: center"]G[/TD]
[TD="bgcolor: #99CCFF, align: center"]F[/TD]
[TD="bgcolor: #99CCFF, align: center"]C[/TD]
[TD="bgcolor: #99CCFF, align: center"]S[/TD]
[TD="bgcolor: #99CCFF, align: center"]I[/TD]
[TD="bgcolor: #99CCFF, align: center"]LMBF[/TD]
[TD="bgcolor: #99CCFF, align: center"]LMBF-1[/TD]
[TD="bgcolor: #99CCFF, align: center"]C>S[/TD]
[TD="bgcolor: #99CCFF, align: center"]CI>S[/TD]
[TD="bgcolor: #99CCFF, align: center"]SIM[/TD]

[TD="bgcolor: #FF99CC, align: left"]Jan[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"] (0.56%) [/TD]
[TD="align: right"]5.18%[/TD]
[TD="align: right"]6.96%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]6.96%[/TD]
[TD="align: right"]4.45%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Feb[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]0.51%[/TD]
[TD="align: right"]1.36%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"]0.66%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Mar[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]0.07%[/TD]
[TD="align: right"]3.75%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]0.88%[/TD]
[TD="align: right"]3.57%[/TD]
[TD="align: right"]3.75%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]3.75%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Apr[/TD]
[TD="align: right"]0.12%[/TD]
[TD="align: right"]1.02%[/TD]
[TD="align: right"]1.93%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]5.32%[/TD]
[TD="align: right"]1.27%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65% [/TD]

[TD="bgcolor: #FF99CC, align: left"]May[/TD]
[TD="align: right"]0.12%[/TD]
[TD="align: right"] (1.78%) [/TD]
[TD="align: right"]2.34%[/TD]
[TD="align: right"]2.71%[/TD]
[TD="align: right"] (3.12%)
[/TD]
[TD="align: right"] (4.67%) [/TD]
[TD="align: right"] (3.12%) [/TD]
[TD="align: right"] (3.12%) [/TD]
[TD="align: right"]2.71%[/TD]
[TD="align: right"] (1.78%) [/TD]

[TD="bgcolor: #FF99CC, align: left"]Jun[/TD]
[TD="align: right"]0.14%[/TD]
[TD="align: right"] (1.53%)
[/TD]
[TD="align: right"] (1.34%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (2.77%) [/TD]
[TD="align: right"] (0.79%) [/TD]
[TD="align: right"] (1.34%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (1.53%) [/TD]

[TD="bgcolor: #FF99CC, align: left"]Jul[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]5.10%[/TD]
[TD="align: right"]6.88%[/TD]
[TD="align: right"]5.29%[/TD]
[TD="align: right"]1.43%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.13%[/TD]

[TD="bgcolor: #CCFFCC, align: left"]YTD[/TD]
[TD="bgcolor: #CCFFCC, align: right"]0.94%[/TD]
[TD="bgcolor: #CCFFCC, align: right"] (2.15%) [/TD]
[TD="bgcolor: #CCFFCC, align: right"]19.64%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]23.72%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]8.98%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]5.79%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]5.48%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]6.81%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]15.96%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]6.69%[/TD]

There is no way around it, July was a bad month to be out of the market, which all the LMBF variants were. The S Fund alone made more in July than all but one of the variants made all year. That's got to hurt. Even the I Fund is doing better than most of the LMBF variants at this point for the year.

What can I say? These systems have had a bad stretch for 3 months. Most of them have had losses for 2 months and then they missed the great rebound in July. The system is what it is, so does this kind of stuff happen often? I don't know. It does bear investigation.

OK, enough of my whining. We all know by now that holding S and/or C Funds has been the way to go this year, and we haven't been able to beat the Buy-and-Hold crowd. That being the case, how do the different methods compare to each other?

The big winner this month was LMBF with a gain of 1.43%. It achieved this by still being invested in last month's fund, the S Fund, on the first day of the month. That worked in its favor this time as it pulled ahead of LMBF-1 and then jonied it in the same fund like it did in April.

As for the other LMBF variants, their relative position didn't change in July since they were all in the G Fund with the exception of SIM which was in the F Fund. The G & F Fund were within 0.05% of each other so there wasn't enough difference there to make a difference. SIM is still beating LMBF & LMBF-1 for the year. C>S is still beating all three of them, and CI>S still comes out on top of all of them. On the down side, CI>S has now fallen significantly behind the S Fund and won't outperform it in August because it is back in the S Fund. What a difference a month makes.

 

[mmk119]

Forgive me if this is the wrong thread for this...
Anyone do the contrarian view - Have you compared the performance of these methods vs moving into the last month's worst performing funds, still making your move on the last day of the month? Would this even come close to working?

 

[rcknfrewld]

i asked the same question and if I recall JTH said it had poor returns...page down to view I think

 

[PLANO]

I haven't crunched any numbers but I assume that would defeat the whole purpose of this method. The idea is to identify and then follow the trend, which you do by moving to the best fund each month. If you move to the worst fund each month...well...you've identified the other trend.

 

[Cactus]

Here is where Rcknfrewld asked that question followed by the reponses he got: http://www.tsptalk.com/mb/longer-term-fund-strategies/15018-alternate-lmbf-methods-3.html#post400508

 

[Cactus]

We will have to wait for the final numbers tonight to be sure, but the way things look now all the LMBF-1 variants except LMBF-1 SIM will be going back into the G Fund tomorrow. The F, C, S, & I Funds are all negative for the month, and none of them appear to be making enough progress today to overcome that. The fund with the best chance would be I. If it could add ~0.5% today, it could ace out the G Fund, but I don't see that happening.

LMBF-1 SIM, of course, is hardwired to the F Fund through October.

 

[Cactus]

Here are the monthly returns as of 8/29/13.

[TD="bgcolor: #FFFF99, align: center"] Date [/TD]
[TD="bgcolor: #FFFF99, align: center"] G FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] F FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] C FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] S FUND [/TD]
[TD="bgcolor: #FFFF99, align: center"] I FUND [/TD]

[TD="bgcolor: #FFFF99, align: center"] 29-Aug-2013 [/TD]
[TD="bgcolor: #99CC00"]0.17%[/TD]
[TD="bgcolor: #CCFFCC"] (0.52%) [/TD]
[TD="bgcolor: #CCFFCC"] (2.59%) [/TD]
[TD="bgcolor: #CCFFCC"] (1.57%) [/TD]
[TD="bgcolor: #CCFFCC"] (0.45%) [/TD]

The best fund is G, so the following IFTs take place before noon eastern tomorrow, 8/30/13.

• LMBF-1 : changes from the S Fund to the G Fund
• LMBF-1 SIM : remains in the F Fund through October
• LMBF-1 C>S : changes from the S Fund to the G Fund
• LMBF-1 CI>S : changes from the S Fund to the G Fund

 

[mmk119]

Cactus, rcknfrewld and PLANO;
appreciate the feedback. I was sure someone had already looked into this. I think I'll stick with LMBF-1.
thanks,
M

 

[Cactus]

Here are the results through the end of August, and as you can see, August was another month like June where, except for the G Fund, all funds were negative. That, as we now know, led to the tremendous equities rally in July while most of the LMBF family was in the safety of the G Fund. They, of course, joined the fun in the S Fund in August only to miss out on the gains.

[TD="bgcolor: #99CCFF, align: center"]G[/TD]
[TD="bgcolor: #99CCFF, align: center"]F[/TD]
[TD="bgcolor: #99CCFF, align: center"]C[/TD]
[TD="bgcolor: #99CCFF, align: center"]S[/TD]
[TD="bgcolor: #99CCFF, align: center"]I[/TD]
[TD="bgcolor: #99CCFF, align: center"]LMBF[/TD]
[TD="bgcolor: #99CCFF, align: center"]LMBF-1[/TD]
[TD="bgcolor: #99CCFF, align: center"]C>S[/TD]
[TD="bgcolor: #99CCFF, align: center"]CI>S[/TD]
[TD="bgcolor: #99CCFF, align: center"]SIM[/TD]
[TD="bgcolor: #99CCFF, align: center"]LMWF-1[/TD]

[TD="bgcolor: #FF99CC, align: left"]Jan[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"] (0.56%)
[/TD]
[TD="align: right"]5.18%[/TD]
[TD="align: right"]6.96%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"]6.96%[/TD]
[TD="align: right"]4.45%[/TD]
[TD="align: right"] (0.56%) [/TD]

[TD="bgcolor: #FF99CC, align: left"]Feb[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]0.51%[/TD]
[TD="align: right"]1.36%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"]0.66%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]1.00%[/TD]
[TD="align: right"]0.51%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Mar[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]0.07%[/TD]
[TD="align: right"]3.75%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]0.88%[/TD]
[TD="align: right"]3.57%[/TD]
[TD="align: right"]3.75%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]4.69%[/TD]
[TD="align: right"]3.75%[/TD]
[TD="align: right"]0.88%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Apr[/TD]
[TD="align: right"]0.12%[/TD]
[TD="align: right"]1.02%[/TD]
[TD="align: right"]1.93%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]5.32%[/TD]
[TD="align: right"]1.27%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]0.65%[/TD]
[TD="align: right"]1.02%[/TD]

[TD="bgcolor: #FF99CC, align: left"]May[/TD]
[TD="align: right"]0.12%[/TD]
[TD="align: right"] (1.78%) [/TD]
[TD="align: right"]2.34%[/TD]
[TD="align: right"]2.71%[/TD]
[TD="align: right"] (3.12%)
[/TD]
[TD="align: right"] (4.67%)
[/TD]
[TD="align: right"] (3.12%) [/TD]
[TD="align: right"] (3.12%) [/TD]
[TD="align: right"]2.71%[/TD]
[TD="align: right"] (1.78%) [/TD]
[TD="align: right"]2.71%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Jun[/TD]
[TD="align: right"]0.14%[/TD]
[TD="align: right"] (1.53%)
[/TD]
[TD="align: right"] (1.34%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (2.77%) [/TD]
[TD="align: right"] (0.79%) [/TD]
[TD="align: right"] (1.34%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (0.99%) [/TD]
[TD="align: right"] (1.53%) [/TD]
[TD="align: right"] (1.53%) [/TD]

[TD="bgcolor: #FF99CC, align: left"]Jul[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]5.10%[/TD]
[TD="align: right"]6.88%[/TD]
[TD="align: right"]5.29%[/TD]
[TD="align: right"]1.43%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"]0.13%[/TD]
[TD="align: right"]5.29%[/TD]

[TD="bgcolor: #FF99CC, align: left"]Aug[/TD]
[TD="align: right"]0.18%[/TD]
[TD="align: right"] (0.48%)
[/TD]
[TD="align: right"] (2.89%) [/TD]
[TD="align: right"] (2.76%) [/TD]
[TD="align: right"] (1.31%) [/TD]
[TD="align: right"] (4.32%) [/TD]
[TD="align: right"] (2.76%) [/TD]
[TD="align: right"] (2.76%) [/TD]
[TD="align: right"] (2.76%) [/TD]
[TD="align: right"] (0.48%) [/TD]
[TD="align: right"] (0.48%) [/TD]

[TD="bgcolor: #CCFFCC, align: left"]YTD[/TD]
[TD="bgcolor: #CCFFCC, align: right"]1.12%[/TD]
[TD="bgcolor: #CCFFCC, align: right"] (2.62%)
[/TD]
[TD="bgcolor: #CCFFCC, align: right"]16.18%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]20.30%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]7.56%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]1.22%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]2.57%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]3.87%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]12.77%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]6.18%[/TD]
[TD="bgcolor: #CCFFCC, align: right"]7.95%[/TD]

This is getting old. All was well with the LMBF family for the first four months of 2013 but since May it's been a downhill slide. The monthly allocations appear to have gotten 180 degrees out of sync, being out when they should be in and vice versa. Will this continue in September? Let's hope not, but hoping is no way to invest.

The question of the Last Month's Worst Fund was brought up in this thread again recently. So with 4 bad months, I decided to add LMWF-1 to our list this time around. Could it be any worse? Take a look; you'd be surprised.

OK, what are these numbers telling us? Really, it's nothing new. Buy-N-Hold the S and/or C Fund has been the way to go in 2013. Even with the losses they accrued in August, they are way in the lead. They just can't be beat. I'm sorry to be a broken record but so far it holds true. This doesn't appear to be the year for systems like LMBF.

Really?! How bad is it? Well, look at LMBF, LMBF-1 and C>S. They are worse off now than they were at the end of January. Their yearly gains are almost wiped out and they will be on hold in the G Fund earning zilch for September. Historically that's the weakest month of the year so maybe this time it's fortuitous. It's time that things turn around for these funds. LMBF is @ 782 out of 1053 on the AT. It's closing in on the bottom quarter -- not a goal we want it to achieve.

Things don't look that bad for CI>S but that is because it was in the S Fund until July. It essentially benefited from a Buy-N-Hold of the S Fund for most of the year and therefore has a higher base to fall from. I wouldn't count on this happening all the time.

SIM is still living up to its purpose to beat LMBF-1 by being in the F Fund during the weaker 6 months of the year. This month it claimed another victory by beating LMBF, LMBF-1 and C>S. Things definitely look good for SIM here.

Now for the disturbing news. LMWF-1 beat all methods except CI>S. :blink: What's up with that? This makes it look like there is nothing to any of these methods and simply throwing darts every month could produce equal results. Maybe it can, but remember that the last time we looked at LMWF-1 was this spring when things were going well for the LMBF family and poorly for LMWF-1. We've now had 4 months of poor performance for the LMBF family and LMWF-1 has caught up. How did it do it?

It's these 4 months that made me want to look at LMWF-1 again. Does it do well during down times? Let's see. It chose funds with better returns in April and May. May was a real score as most of the LMBF family was negative. June on the other hand was a loss with LMWF-1 choosing a fund that lost more than the others. That was made up in August where LMWF-1 chose a fund that lost less than the others.

The month that really made a difference was July. While the LMBF family was locked up in the safety of the G Fund, LMWF-1 was in equities. It chose the I Fund instead of the winning S Fund, but being in any of the equities (C, S, or I) during this rally was enough to score it the lead. That was quite a rally. Remember I said last month that the S Fund made more in July than all but one of the LMBF family made all year. What a difference a month can make. Will it happen again? The fund allocations did line up. The LMBF family, except for SIM, are in the G Fund for September and LMWF-1 is in the C Fund. I wouldn't advise it, but there you have it.

Well, I still think this is a 1 month fluke for LMWF-1 but I guess I better go back and back test it to compare the historical results to the LMBF family. Stay tuned.

In the mean time remember the contrarian rule: about the time most people give up on a system is when it turns around and starts to perform again..

 

[rcknfrewld]

i think the LMWM should be used if you want to stay in equities (C,S,I) all year...for some reason picking the previous months worst fund appeals to me...my twisted sense of odds feels that the fund wouldn't be worst two months in a row...I think you have to toss out G and F...no volitility there...or incorporate F somehow under certain conditions...who knows

 

[Cactus]

Except it's been in the F Fund for most of the year, not in equities. Here are the monthly allocations for 2013:

[TABLE="width: 100"]
[TR]
[TD]Jan[/TD]
[TD]F[/TD]
[/TR]
[TR]
[TD]Feb[/TD]
[TD]F[/TD]
[/TR]
[TR]
[TD]Mar[/TD]
[TD]I[/TD]
[/TR]
[TR]
[TD]Apr[/TD]
[TD]F[/TD]
[/TR]
[TR]
[TD]May[/TD]
[TD]S[/TD]
[/TR]
[TR]
[TD]Jun[/TD]
[TD]F[/TD]
[/TR]
[TR]
[TD]Jul[/TD]
[TD]I[/TD]
[/TR]
[TR]
[TD]Aug[/TD]
[TD]F[/TD]
[/TR]
[TR]
[TD]Sep[/TD]
[TD]C[/TD]
[/TR]
[/TABLE]

 

[rcknfrewld]

you should know what my next question will be then after reading your previous post...i'll give you a chance...before I ask it

 

[Cactus]

Well, if you want to be in equities all year you would just use a LMWF on the C, S and I Funds and not even consider the G & F Funds. That should be working pretty good so far this year of Buy-N-Hold.

On the other hand, if you are only interested in LMWF when an equity fund is chosen you could follow LMBF and when an equities fund is chosen, choose the worst of C,S, or I instead.

I think you had the former in mind so these would be their returns for 2013.

LMWEF-1 2013
[TABLE="width: 189"]
[TR]
[TD]Jan
[/TD]
[TD]C
[/TD]
[TD="align: right"]5.18%
[/TD]
[/TR]
[TR]
[TD]Feb
[/TD]
[TD]I
[/TD]
[TD="align: right"]-0.99%
[/TD]
[/TR]
[TR]
[TD]Mar
[/TD]
[TD]I
[/TD]
[TD="align: right"]0.88%
[/TD]
[/TR]
[TR]
[TD]Apr
[/TD]
[TD]I
[/TD]
[TD="align: right"]5.32%
[/TD]
[/TR]
[TR]
[TD]May
[/TD]
[TD]S
[/TD]
[TD="align: right"]2.71%
[/TD]
[/TR]
[TR]
[TD]Jun
[/TD]
[TD]I
[/TD]
[TD="align: right"]-2.77%
[/TD]
[/TR]
[TR]
[TD]Jul
[/TD]
[TD]I
[/TD]
[TD="align: right"]5.29%
[/TD]
[/TR]
[TR]
[TD]Aug
[/TD]
[TD]C
[/TD]
[TD="align: right"]-2.89%
[/TD]
[/TR]
[TR]
[TD]YTD
[/TD]
[TD][/TD]
[TD="align: right"]12.98%

[/TD]
[/TR]
[/TABLE]
Looks to me like you're still better off holding S and/or C this year.

 

[Cactus]

OK, Here are the back tested returns for LMWF-1. I felt the need to post the historical data in case anyone got too excited about the current returns.



Some years don't look all that bad, but ouch look at the loss years. It lost more in 2008 than I did and that is hard to do.

As you can see from the table below comparing the running totals of several of the methods, LMWF-1 hasn't made up the losses yet and is negative over that 9 year stretch. Ouch! Do you really want to go there.

 

[Hallatauer]

Great info and charts to ponder over. I was AFK the past week and didn't make the change to the G Fund. Looks like that worked in my favor as I have made back over half the losses I had in August. Considerng moving over to the G Fund now and maybe lock in the recovery.

 

[Cactus]

Good to hear from you, Hallatauer! It sounds like things are going your way. You'll be getting a big payoff today. Sometimes missing the IFT time pays off.

 

[Hallatauer]

Back in the G Fund as of this morning. Missing the move turned into a windfall. Aug as a 2.76% loss but I got the rebound and locked it in at 4.38%. Don't try this at home... this was a fluke. <g>
What's really been nice is that I've been taking payments via IRS 72t rule and my account is at it's highest ever.. a.k.a. I'm making more than I withdraw.

 

[Viva_La_Migra]

Back in the G Fund as of this morning. Missing the move turned into a windfall. Aug as a 2.76% loss but I got the rebound and locked it in at 4.38%. Don't try this at home... this was a fluke. <g>
What's really been nice is that I've been taking payments via IRS 72t rule and my account is at it's highest ever.. a.k.a. I'm making more than I withdraw.

That is the ultimate goal! Good work.