Another calculator question

[gunsmokex]

Another question on the calculator. Bear with me I'm very new at this.

Ok I did an IFT to 90% S and 10% C

Same day I changed my future contribution allocations to 75% S and 25% C.

Now calculating out my return in the return calculator do I put in the 90/10 or 75/25?

Also if I put in 90/10, then do I just update it every 2 weeks? (now its at 11.29% C and 88.71% S)

Sorry if this seems like a dumb question but I just want to make sure I'm doing this right.

 

[tsptalk]

Hi gunsmokex -

The calculator is not figuring out your actual return because it does not consider contributions. It is a basic guide for us to know if our trasfers are doing us any good - ie - are we beating the benchmark indices over the long term.

So, to answer your question, always use just the interfund transfer, in this case the 90/10. You will only have to update the allocation whenever you make a change. You can put in the new share prices in every day to see what your return is.

Hope that helps. By the way, thanks for joining us!
Tom

 

[gunsmokex]

Thanks Tom that helped some, but now I have another question.

Ok since the 1st of the year I've been 100% G until my IFT on June 22nd (90% S @ 16.51 and 10% C @ 13.64).

Now my question is what does my 1st transaction line in the calculator need to be? Do I put in the 100% G for the 1st business day in January? Or do I just put in the 90% S and 10% C transaction on June 22nd? Or do I put in the 1st transaction line as June 21st prices at 100% G then on the 2nd line do the 90/10 on June 22nd?

Its probably simple but I just want to make sure I'm doing this right. Any help would be appreciated.

Thanks,
Justin

 

[gunsmokex]

Here's my allocation talk post if that helps clarify any thing.
http://www.tsptalk.com/mb/showthread.php?p=49827#post49827
I believe I'm doing it right, right now I'm at a 5.65% return as of close on July 10th.

 

[tsptalk]

Thanks Tom that helped some, but now I have another question.

Ok since the 1st of the year I've been 100% G until my IFT on June 22nd (90% S @ 16.51 and 10% C @ 13.64).

Now my question is what does my 1st transaction line in the calculator need to be? Do I put in the 100% G for the 1st business day in January? Or do I just put in the 90% S and 10% C transaction on June 22nd? Or do I put in the 1st transaction line as June 21st prices at 100% G then on the 2nd line do the 90/10 on June 22nd?

Justin -

Your first line would be 100% G with the share price of the last day you were in that allocation (Looks like 6/22, if you made the transfer before the deadline that day).

The 2nd line you would put the 90/10 with a start date of June 23, assuming your spreadsheet has the new start date. Then you would update the share prices on that line until the last day you are in that allocation.

Let us know if you have any more questions. Thanks!
Tom

 

[EW_ret]

Welcome to our forum gunsmokex. I have added you to the TSPTalk Weekly Tracker effective with your post of July 4, and effective COB July 5th with 25% C and 75% S. I cannot enter any of your transactions prior to July 5th due our tracking rules. To be tracked by TSPTalk you need to post your interfund transfers, not fund allocations, to your gunsmokex account by 12:00 pm EDT the day of the transfer.

To answer your calculator question, the gray line above transaction 1 would have Dec 30 2005 in End Date field and all fund share prices as of 30 Dec 2005 on the same line. The first transaction line would have 3 January (Start) to 22 June (End) at 100% G with the fund share prices of 22 June entered on the same line; the second line would have 23 June (Start) to Current (End) at 10% C and 90% S with the Current share prices. The Current share prices are updated as often as you like until you make another interfund transfer. When you make another interfund transfer, the Current date is changed to the date of the new transfer, and the new allocation is entered in the third transaction line with a Start Date of the first market trading day after the transfer and End Date of Current. Does this help?

 

[gunsmokex]

Thanks guys that helped alot. As far I can tell then I'm at 4.76% for the year. I gotta say though this website rules, I'm learning alot here.

No biggee if you can't track before July 4th, rules are rules. I just was hoping to get in on the month of July tracking.

 

[gunsmokex]

Say EWGuy. I noticed in your reply you had me down for 25% C and 75% S.

Welcome to our forum gunsmokex. I have added you to the TSPTalk Weekly Tracker effective with your post of July 4, and effective COB July 5th with 25% C and 75% S.

My IFT was for 90% S and 10% C, I think you got my IFT and allocation change mixed up. I won't post my allocation changes any more.
http://www.tsptalk.com/mb/showthread.php?t=3038

Previous to 6/22 100% G

IFT 90% S and 10% C
effective 6/22

Allocation change 75% S and 25% C
effective 6/22

 

[EW_ret]

You are correct? My error which will be corrected. See gunsmokex account talk folder for futher commentsl.