Barney
Member
That's a good-to-know trend. By going to the G-fund on the last day of every month, you are not wasting one of your 2 allotted IFTs to move to the G-fund early in the month. You then have some flexibility to go 100% S, then 100% I or any combination you'd like and still be free to use a (bonus) third move to get back to the G at the end of the month.
However, if you are in an uptrend, you wouldn't want to bail to G just because it's the last day of the month. You'd waste your first IFT getting back into the fund you bailed from when you didn't have to. Here's my strategy. On the last trading day of the month, before NOON:
- Look at the LMBF. If it exceeds my return for the month, and if I haven't used my 2nd IFT, move to the indicated fund before noon. I still have my 2 IFT's for the following month to reallocate for more profit or bail.
- If the trend is up for the fund I'm in, stay put. I still have my 2 IFT's.
- If it's time to bail, do it to G and be set for next month. Still have my 2 IFT's.
I used the LMBF and broke it down in half. It is the Last Two Weeks Best Funds LTWBF. And, so far for 2008, from the 15th to the end of the month, the best return is the S fund. If something in the news says that the S-fund might not do so well, then we can either slowly put it into the G-fund or all at one time and it will either count as the second move or 3rd, 4th, 5th, etc.
What floors me is the 1st thru 14th- yes, there will be some up days in different funds, but overall, they all are negative numbers. I'll be keeping a close eye on those numbers.:suspicious:
Thanks for your replies.