jkenjohnson
Active member
My auto tracker is not correct. Anyone else having this problem. Maybe I forgot to update a move or two. I can't remember if I'm in or out half of the time.
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Autotracker
- Thread starter jkenjohnson
- Start date
Cactus
Well-known member
I don't understand why folks have problems remembering the AT. I enter my IFT in the AT right after making my IFT by phone or web site. It's all one operation for me. Unless you are right at the deadline or the actual IFT doesn't go through, it should match. I haven't had a problem with that yet.
Boghie
Well-known member
Got to get them all in. A day or so probably doesn't matter much, but missing a complete trade or two will make a large difference. AT is a great tool to see the actual growth in your account minus the affects of your contributions. That helps a lot.
Maybe the difference is because of your contributions.
jkenjohnson
Active member
You're probably a lot younger than me and don't have CRS.
jkenjohnson
Active member
I have that too!
Handballer
Active member
We are not alone. IRS Head Can't Remember Who Was Responsible for Targeting - YouTube
bmneveu
Well-known member
Question for Tom.. If I adjust my AT allocation to account for contributions, and then make 2 "real" IFTs in the same month, will I still be eligible for a prize (having made 3 AT IFTs in 1 month)? If not, I can just wait until my next real IFT to show the contributions.
Boghie
Well-known member
Not Tom, but...
Whenever you change your holdings allocation (an Interfund Transfer (IFT)) the percentages will reflect in both your TSP and your AT. After that, the actual percentages will differ slightly because of forthcoming contributions. It is really hard to incorporate contributions over time. That is called an Internal Rate of Return or a 'Compound Annual Growth Rate (CAGR)'. An IRR is an estimate unless you have the actual contributions and the growth rate per contribution time frame - it is a real mess, but more accurate. Tom's AT is a very good tool for estimating your actual growth minus contributions. And, the nice thing is that your actual growth will be higher by a smidgen.
But, somehow, a CAGR estimate is generally about 2% lower and your average Annualized Return. See, it is a pain in the buttocks...
bmneveu
Well-known member
Not Tom, but...
Whenever you change your holdings allocation (an Interfund Transfer (IFT)) the percentages will reflect in both your TSP and your AT. After that, the actual percentages will differ slightly because of forthcoming contributions. It is really hard to incorporate contributions over time. That is called an Internal Rate of Return or a 'Compound Annual Growth Rate (CAGR)'. An IRR is an estimate unless you have the actual contributions and the growth rate per contribution time frame - it is a real mess, but more accurate. Tom's AT is a very good tool for estimating your actual growth minus contributions. And, the nice thing is that your actual growth will be higher by a smidgen.
But, somehow, a CAGR estimate is generally about 2% lower and your average Annualized Return. See, it is a pain in the buttocks...
nice explanations of a few terms ill likely see on future exams, thanks. also, i particularly enjoyed your use of "smidgen". that word is far under-utilized in my opinion!
