czapor1967's Account Talk

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I know yet another dumb question... I know we're allowed two IFT's per month and I started off the month with one to the I fund, my question is if I decide to go to the G fund is that counted as an IFT? or is that you can move between two of the others and then jump to G after those? Thanks again everyone! :embarrest:
 
If your IFT was on the 1st day or after, your next move will be you 2nd IFT of the month. Then you can only move to G Fund.
After 2 IFT's you can move any percentage to the G Fund and later you can move another percentage to G Fund etc.
 
czapor1967 said:
I know yet another dumb question... I know we're allowed two IFT's per month and I started off the month with one to the I fund, my question is if I decide to go to the G fund is that counted as an IFT? or is that you can move between two of the others and then jump to G after those? Thanks again everyone! :embarrest:
Click to expand...

Your 2 IFT's can be used to move your shares to and from any fund. Moving to the G fund would be considered one of your IFT's. Like eccougar said after you have used your 2 IFT's you can make as many moves to the G fund if you still have shares in any of the other funds.

Example 1: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move into the G fund, 100%. You are now in the G fund until April 1st.

Example 2: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move 50/50 S & I. For the rest of the month you actually have 3 options. 1) you do nothing, 2) You can on a daily basis move a little bit out of the S or I fund into the G fund only, and 3) you can use the <1% Option.
 
Sometimes one of the best investment tools available is the blind fold. You can actually have too much knowledge.
 
nasa1974 said:
"Example 2: March 1st you use your first IFT to move into the I fund, 100%. On March 7th you use your 2nd IFT to move 50/50 S & I. For the rest of the month you actually have 3 options. 1) you do nothing, 2) You can on a daily basis move a little bit out of the S or I fund into the G fund only, and 3) you can use the <1% Option."
Click to expand...

NASA (or someone) - Please remind me on detail/ explanation of what "the <1% Option" is. Seems I saw it described in blog some time ago but can't recall. Thanks in advance...:confused:
 
wow, I'm really just not good at this at all... my move from I to F has sent me all the way down to the bottom of the tracker to 1001 or so... ugh I should've just stayed where I was, but with all the chatter about greece and war and stuff over there I figured maybe the I fund wasn't the place to be so I bailed out into the F fund just in time for it to drop the very next day... I promise y'all I'll get better at this! :embarrest:

I know I'm not supposed to pay attention to the tracker, but as a competetive person I can't help it... and I do know that it's better to be at the top of it, so that's what I want to do... I kinda went the wrong way... sigh
 
My first year I just followed the Sentiment Survey until I felt I knew enough to make my own decisions. As it turned out, I made a few better decisions than the survey at the end of the year, but not too many. What I feel I've learned now is that when we are in a bull market, it is better to err on the aggressive side (being in stocks). When we are in a bear market, it is better to err on the cautious side (G or F). When we're chopping around at the top or bottom, it's good for the traders, but confusing as hell for a newbie.

Anyway, I wouldn't dream of telling you what to do with your money, but as long as the smaller moving averages stay above the larger ones, we're in a bull market. Just keep that in mind. Good luck! :)
 
czapor, Don't beat yourself up on your move from I to F. Just remember you have a long time to make your mark. You felt that the market was going to go south and you wanted to protect your account, no one will fault you for that. It is better to miss out on a rally then not make a move and watch your account fall 20%+.
Remember your number one responsibility is your TSP not where am I on the AutoTracker. Sure it's fun to be competitive but not at the expense of your retirement.
 
czapor1967 said:
wow, I'm really just not good at this at all... my move from I to F has sent me all the way down to the bottom of the tracker to 1001 or so... ugh I should've just stayed where I was, but with all the chatter about greece and war and stuff over there I figured maybe the I fund wasn't the place to be so I bailed out into the F fund just in time for it to drop the very next day... I promise y'all I'll get better at this! :embarrest:

I know I'm not supposed to pay attention to the tracker, but as a competetive person I can't help it... and I do know that it's better to be at the top of it, so that's what I want to do... I kinda went the wrong way... sigh
Click to expand...

Too much "figuring" is not a good idea - trust me I have tried before and been wrong more times than not. Pick a free system on here or a premium service and stick to it. No emotions or anticipation (figuring) required.
 
Sensei said:
My first year I just followed the Sentiment Survey until I felt I knew enough to make my own decisions. As it turned out, I made a few better decisions than the survey at the end of the year, but not too many. What I feel I've learned now is that when we are in a bull market, it is better to err on the aggressive side (being in stocks). When we are in a bear market, it is better to err on the cautious side (G or F). When we're chopping around at the top or bottom, it's good for the traders, but confusing as hell for a newbie.

Anyway, I wouldn't dream of telling you what to do with your money, but as long as the smaller moving averages stay above the larger ones, we're in a bull market. Just keep that in mind. Good luck! :)
Click to expand...


I'm gonna take your advise and run with it Sensei, I've got to figure out what I'm doing here before making all of these moves in which I'm just stabbing in the dark! Thanks again to all of you!

Chris
 
czapor1967 said:
I'm gonna take your advise and run with it Sensei, I've got to figure out what I'm doing here before making all of these moves in which I'm just stabbing in the dark! Thanks again to all of you!

Chris
Click to expand...
:embarrest: I didn't exactly light up the autotracker last year. Be sure you read what some of our more veteran members are saying before you make your IFT!

Maybe go with an L fund or spread your allocation across the funds while waiting to determine your approach. I don't want blood on my hands.:o
 
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no worries Sensei, I'd never hold anyone accountable for my own actions... I just really appreciate the advise!
 
czapor1967'
Nothing wrong with having a dance partner. But keep in mind not every one on here has the same risk appetite. If you are dancing with someone who has 25 years till retirement and you have 2 it could be a bit uncomfortable at times.
Engaging in conversation about contolling your TSP is 50% of the improvement.
 
so I've decided to follow the sentiment survey and see if it will help get me off of the bottom of the AT pile, so I just moved all into the S fund... here we go, gonna practice some patience as well... good luck to you all in April! :D

Chris
 
czapor1967 said:
so I've decided to follow the sentiment survey and see if it will help get me off of the bottom of the AT pile, so I just moved all into the S fund... here we go, gonna practice some patience as well... good luck to you all in April! :D

Chris
Click to expand...

Welcome IN, neighbor! Here's to a good April!! :cool:
 
The Sentiment Survey is a good place to start, or even end... Also, watch the Seven Sentinals... And, find a dance partner - but as WorkFE stated - give it a bit of time. The chap you find may have very different timelines and goals than you.

LateR
 
I'm wondering where a bunch of people went... Friday there was over 1000 people on the AutoTracker and this morning only 936 ??? I don't get it, although being 936 instead of 1014 on the AT is better I just wonder where everyone went!
 
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