Boghies Account Talk

[TommyIV]

Adding a little risk to the equation. Being an oldster, and wanting to avoid eating the Bargain Alpo, I am holding a rather sizable amount in the G-Fund. After mathing it out I need to have about 40% of my current holdings in the G-Fund to support me and my trophy wife for seven years. So, if I decide to 'peace out' after a particularly nasty or boring day I can draw from cash holdings for seven years and let the market recover. I am arrogant enough to believe that me 'peacing out' will dump 'Merica into the Greater Depression. If the worse doesn't happen, I can just let that 60% churn and grow while I sleep happily.

Fund Allocation:

• G 40% - I'm now an oldster looking at a choice of gold watches. This is enough 'cash' for 7 years.
• F 0% - This fund of bonds still sucks. It just ain't behaving right. All those low return bonds gotta get washed out before I invest in this.
• C 30% - Overweighting for stability. Still seems to offer significant growth
• S 20% - I think small to medium size business will do well. They will be allowed to innovate
• I 10% - It kinda looks like EuroTrash money is moving to 'Merica, but this should start growing

Metrics (from 'Backtest Portfolio Asset Class Allocation'):

• Expected Return (CAGR/IRR): 7.99%
• Expected Risk: 9.37%
• Meaning that 67% of the time the annual return will fall between -1.38% and +17.36%
• Best Year: +24%
• Worst Year: -20%
• Worst Drawdown: -31%

BTW:
I cannot update the AutoTracker. It keeps telling me my session has expired. I think I am being blocked at work. Ugh.
And, the new forum looks great. Great job

Give me the okay and I'll update your AutoTracker for you!

 

[Boghie]

Adding a little risk to the equation. Being an oldster, and wanting to avoid eating the Bargain Alpo, I am holding a rather sizable amount in the G-Fund. After mathing it out I need to have about 40% of my current holdings in the G-Fund to support me and my trophy wife for seven years. So, if I decide to 'peace out' after a particularly nasty or boring day I can draw from cash holdings for seven years and let the market recover. I am arrogant enough to believe that me 'peacing out' will dump 'Merica into the Greater Depression. If the worse doesn't happen, I can just let that 60% churn and grow while I sleep happily.

Fund Allocation:

• G 40% - I'm now an oldster looking at a choice of gold watches. This is enough 'cash' for 7 years.
• F 0% - This fund of bonds still sucks. It just ain't behaving right. All those low return bonds gotta get washed out before I invest in this.
• C 30% - Overweighting for stability. Still seems to offer significant growth
• S 20% - I think small to medium size business will do well. They will be allowed to innovate
• I 10% - It kinda looks like EuroTrash money is moving to 'Merica, but this should start growing

Metrics (from 'Backtest Portfolio Asset Class Allocation'):

• Expected Return (CAGR/IRR): 7.99%
• Expected Risk: 9.37%
• Meaning that 67% of the time the annual return will fall between -1.38% and +17.36%
• Best Year: +24%
• Worst Year: -20%
• Worst Drawdown: -

Give me the okay and I'll update your AutoTracker for you!

That would be great.

I'll see if I can login tonight, but to be accurate my IFT should be logged in for today. I made the transaction just before the forum entry so it should be good to go for COB.

 

[tsptalk]

I'll see if I can login tonight, but to be accurate my IFT should be logged in for today. I made the transaction just before the forum entry so it should be good to go for COB.

I got your private message earlier and the IFT has been entered for COB today. Good luck!

 

[Boghie]

I still get the 'Session Expired' error when attempting to log into AutoTracker. I will try tonight from home. The following IFT will commit COB tonight...

Anyway, after speaking to my Edelman Financial advisor last night I am making the following IFT:

Fund Allocation and Banal Thoughts

• G 25% - This is more than enough for Bucket I (he understood the concept)
• F 10% - Not an important allocation, but it is used for diversification.
• C 35% - Statists prefer big business so I am bumping this
• S 20% - The Trumpster was great for small to medium business. A bit of alpa
• I 10% - The EuroTrash look worse than we do. Is this a permanent allocation. Yowser

Sciencey Stuff:

• Expected Annual Return: 8.42%
• Expected Risk: 10.22%
• Best Year: 24.98%
• Worst Year: -22.12%
• Biggest Dump: -34.275

 

[tsptalk]

I still get the 'Session Expired' error when attempting to log into AutoTracker. I will try tonight from home. The following IFT will commit COB tonight...

I will enter that in for you, but if I had to guess, you may be using a different pswd in the autotracker as the forum and if your browser is auto-filling the pswd in both, then one will not work.

Send me a direct message if you want me to send you a temp AutoTracker pwswd.

 

[Boghie]

I haven't looked at this chap's other videos, but I think this quick discussion on computing your FERS Pension is worth looking at:

 

[Boghie]

Question:

I am needing a new roof that I haven't budgeted for and skillfully executed some expensive stuff I did budget for. Anyway, if I take a TSP loan out, and amortize it for 5 years, can I pay extra principal on it monthly to get it paid off early?

I could probably pay it off in about a year, but don't want to force a high monthly payment. My plan is to retire at the end of 2026, so I don't want this hanging around very long. If I get DOGE'd I can afford to pay it off with my TSP holdings without seriously damaging my retirement plan, so that is not a problem.

I would put this in the 'TSP Loan' forum, but folks don't seem to peruse it much...

 

[voodoostation]

Question:

I am needing a new roof that I haven't budgeted for and skillfully executed some expensive stuff I did budget for. Anyway, if I take a TSP loan out, and amortize it for 5 years, can I pay extra principal on it monthly to get it paid off early?

I could probably pay it off in about a year, but don't want to force a high monthly payment. My plan is to retire at the end of 2026, so I don't want this hanging around very long. If I get DOGE'd I can afford to pay it off with my TSP holdings without seriously damaging my retirement plan, so that is not a problem.

I would put this in the 'TSP Loan' forum, but folks don't seem to peruse it much...

The way I read the loan agreement, you can pay off earlier than the term limit, but you don't reduce the interest you will pay. Agreed upon loan value will be the same regardless if you pay to term or throw in extra payments.