Cactus' Account Talk

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Glad to hear that. After all I'll have all that extra time on my hands to see how it effects the market. :laugh:
 
I finally gave up on the S Fund. I have moved 100% from S to C. I should have done this looooong ago.
 
GREENBAYPACKERS said:
quick, now everyone move to the S fund
Click to expand...
You are more right than you know. C is still leading with respect to S but now in the opposite direction. The net effect is once again I miss the greater gains while receiving the greater losses. I can't win for losing. And people wonder why I say I won't be able to afford retirement by 2022.
 
Hmmmmm... it is an opportunity to rebalance to S, assuming it will rise faster/farther subsequent to the bloodletting.
 
Yeah, but I'm not sure it will. I'm still thinking C will continue to lead in which ever direction the market goes.

Since I'm still betting on C, the smart move for you would be to go with S.
 
Hey, I'm ahead of the F Fund! :nuts:

[TABLE="width: 200"]
[TR]
[TD]Cactus[/TD]
[TD]F Fund[/TD]
[/TR]
[TR]
[TD](1.65%)[/TD]
[TD](1.81%)[/TD]
[/TR]
[/TABLE]
 
Cactus said:
What Impact Does Sick Leave Have on the FERS Annuity Computation? https://www.fedsmith.com/2018/02/14/impact-sick-leave-fers-annuity-computation/

His answer surprised me. I was sure you had to have the full 20 years without sickleave added in to get the 1.1% vs. 1%.
Click to expand...

When using sick leave to increase your service time for retirement you have to be careful with your calculations. It is calculated at 6 hours not 8 and only as a full month. So basically you need 25 sick days to equal 20 days for retirement So what ever extra hours you have make sure you don't miscalculate and dip one hour into that month or you stand to loose 4 weeks of sick time. When I retired I gave back 3 days of sick time just to make sure I didn't make a mistake.
 
Cactus said:
What Impact Does Sick Leave Have on the FERS Annuity Computation? https://www.fedsmith.com/2018/02/14/impact-sick-leave-fers-annuity-computation/

His answer surprised me. I was sure you had to have the full 20 years without sickleave added in to get the 1.1% vs. 1%.
Click to expand...

When using sick leave to increase your service time for retirement you have to be careful with your calculations. It is calculated at 6 hours not 8 and only as a full month. So basically you need 25 sick days to equal 20 days for retirement So what ever extra hours you have make sure you don't miscalculate and dip one hour into that month or you stand to loose 4 weeks of sick time. When I retired I gave back 3 days of sick time just to make sure I didn't make a mistake.
 
Here is a link that has a table that breaks down sick leave hours into time served.
https://www.opm.gov/retirement-services/publications-forms/csrsfers-handbook/c050.pdf

nasa1974 said:
When using sick leave to increase your service time for retirement you have to be careful with your calculations. It is calculated at 6 hours not 8 and only as a full month. So basically you need 25 sick days to equal 20 days for retirement So what ever extra hours you have make sure you don't miscalculate and dip one hour into that month or you stand to loose 4 weeks of sick time. When I retired I gave back 3 days of sick time just to make sure I didn't make a mistake.
Click to expand...
 
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