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Contrabution allocation
- Thread starter Pill
- Start date
Birchtree
Well-known member
imported post
Yakers,
Seems like I ran into you earlier. You are currently holding the right funds in my opinion. However, the C fund is markedly undervalued and the I fund has so much potential to gain further. But the I fund is also volitile and hard to time - it's just excellent for accumulating a position over time. The C fund is cheapest and will allow you to purchase more shares for quicker gains off this bottom. Bring the level up to 60% or even 70% and sit tight. In the meantime you will be dollar cost averaging into the I fund without worry. I wish I could follow my own advice - I'm just to greedy at this point - gotta have as much C fund as I can digest. Take care.
Dennis
My fault - this advice is mostly for rdpillow. Sorry Yakers.
Yakers,
Seems like I ran into you earlier. You are currently holding the right funds in my opinion. However, the C fund is markedly undervalued and the I fund has so much potential to gain further. But the I fund is also volitile and hard to time - it's just excellent for accumulating a position over time. The C fund is cheapest and will allow you to purchase more shares for quicker gains off this bottom. Bring the level up to 60% or even 70% and sit tight. In the meantime you will be dollar cost averaging into the I fund without worry. I wish I could follow my own advice - I'm just to greedy at this point - gotta have as much C fund as I can digest. Take care.
Dennis
My fault - this advice is mostly for rdpillow. Sorry Yakers.
imported post
I agree with the TSP amin dude. Keeping you contributions equal to your holdings if you have a specific allocation plan. There are reasons to do different contributions. Lets say you wanted to have your overall account 50 C and 50 I but after some time (maybe more than a year) you notice the funds have grown at different rates and you are holding 50 in C and 60 in I or something like that. You could rebalance you funds or just have more new contributions go to the lower fund.
But if you are looking for easy then just have you contributions equally allocated. And rebalance every year or so.
I agree with the TSP amin dude. Keeping you contributions equal to your holdings if you have a specific allocation plan. There are reasons to do different contributions. Lets say you wanted to have your overall account 50 C and 50 I but after some time (maybe more than a year) you notice the funds have grown at different rates and you are holding 50 in C and 60 in I or something like that. You could rebalance you funds or just have more new contributions go to the lower fund.
But if you are looking for easy then just have you contributions equally allocated. And rebalance every year or so.
