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daf307 Account Talk
- Thread starter daf307
- Start date
burrocrat
Well-known member
Welcome to tsp talk, there is some good information and ideas here. I am new too, but have been reading the market commentary for a while. Get some posts in and check out the tracker.
What where your allocations before then and why did you decide on your current when you did?
What where your allocations before then and why did you decide on your current when you did?
Birchtree
Well-known member
You've got 20% not working in a bull market - are you saving it for a rainy day. If that is not the intention you would do better by building up your C fund. Large caps are ready to outperform the other sectors. At least that is what my adviser says and Mindylou is prescient.
Steadygain
TSP Elite
You've done outstanding !!
Since you'll held this long you might 'hold on for just a little bit longer now baby' sorry I'm so in to music I can't help it
But seriously you made a great choice and stuck it out - and it paid off. At this point if you move your Funds it's probably more to keep the gains you've managed to obtain.
Are you refering to the 20% I have in G and F? So it would be better for me to move that 20 to the C fund?
Yes I am, I've been here since Jan 06 and have enjoyed it very much. I have lots of good friends here and have been able to the wonders of nature here. Thanks!
Boghie
Well-known member
daf307,
That is what BirchTree was talking about. However, don't forget the 'rainy day' reference. Also, one should take into account the years until your retirement funds must be used and the general trend of the market. Birch is a bull of bulls. And, we are in a bull market - or, maybe an internal bull in an overall bear. Either way, grab what you can when you can.
Personally, I would recommend reading some of Ric Edelman's books ('The Truth About Money', and 'The Lies About Money' among others) and Ray Lucia's books. That 20% laggard in G/F may give you offsetting gains during a downturn. It will soften a blow. However, how many once in a lifetime crashes does one expect in a lifetime???
Nothing but G helped in October, November, and March though...
I was a missile systems analyst specialist. I get on the FEW public website once in awhile to keep in touch. What is an AD?
daf307,
That is what BirchTree was talking about. However, don't forget the 'rainy day' reference. Also, one should take into account the years until your retirement funds must be used and the general trend of the market. Birch is a bull of bulls. And, we are in a bull market - or, maybe an internal bull in an overall bear. Either way, grab what you can when you can.
Personally, I would recommend reading some of Ric Edelman's books ('The Truth About Money', and 'The Lies About Money' among others) and Ray Lucia's books. That 20% laggard in G/F may give you offsetting gains during a downturn. It will soften a blow. However, how many once in a lifetime crashes does one expect in a lifetime???
Nothing but G helped in October, November, and March though...
I still have 9 years before I retire from the AF, I should probably take the 20% and make it work for me right?
AD is active duty, I am a Missile Alert Facility Manager here
alevin
Well-known member
Many wonders of nature in your neck of the woods. Enjoy to the hilt, just don't say you're from originally from Colorado (whether you are or aren't, just don't, life will be easier when you talk to the longtimers).
WorkFE
Well-known member
daf307,
9 years till AD retirement, that's great but what is your years till actual retirement?
That other 20% should go where your risk vs. reward comfort level tells it to go. I personally, this far out from retirement, am extremely agressive in all of my investing. Of course you could keep it safe and if we do get a big correction to the down side you'll have a little stash of dry powder to dump in at lower prices.
Thoughts?
9 years till AD retirement, that's great but what is your years till actual retirement?
That other 20% should go where your risk vs. reward comfort level tells it to go. I personally, this far out from retirement, am extremely agressive in all of my investing. Of course you could keep it safe and if we do get a big correction to the down side you'll have a little stash of dry powder to dump in at lower prices.
Thoughts?
Actual retirement will probably be around 40 years from now. Can you still put money into TSP after you leave the military?
Thanks for the advice I appreciate it. I'm going to log into TSP this morning and move stuff around, just haven't finalized my numbers yet though.
Birchtree
Well-known member
Any Federal position will keep you active in your TSP account - only then you will DCA every payday rather than monthly. One other thing if I may - never fear a little pain. Pain can often be a blessing when you are investing. It wasn't that long ago I personally had a negative 47% on the tracker and now I'm close to positive 15% by being a buy and holder. Always keep the money going down the rabbit hole rain or shine because your objective should be to accumulate as many shares as possible. Have fun.
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