DCguy's Account Talk

[DCguy]

Hello~ starting my own thread today.. Currently in 10%F 30%C 30%S 30%I.. C, S, and I lost about $.50 per share today... I'll see what happens on Monday and drop 100% in S or I on monday COB for Tuesday..

 

[DCguy]

no gain in CSI.. ok.. actually lost some in CSI.. down about 5% now.. changing my strategy. going 30% L2040, 5%G, 5%F,20%C, 20%S, and 20%I.

 

[Guest2]

DCguy, I'm not an expert by any stretch of the imagination, however, I believe the Life Cycle Funds (L2040) breaks down your 30% into all the
TSP Funds. These type of funds were made for the long term investor and not for one who changes strategy from time to time. So when you say that you put xx% into the I-Fund (High Risk), in essense, you have more in the I-Fund then xx%. You may have your own reasons for this, however, I'd go one way or the other and not include the L-Fund if your investing in the F,C,S,I Funds. Or, simply put your money in the L-Fund which meets your risk tolerance and let it be. Just My Thoughts !
:blink:

 

[DCguy]

I'm now very confused about what I should do at this moment. I guess I'll just buy and hold till the end of this month when rate cut is announced. Currently 10%L2040, 5%G, 10%F, 25%C, 25%S, 25%I.

 

[Bullitt]

It's really none of my business but I noticed something in your allocation.

If you're going to buy and hold then just go all in with L2040 (depending on your timespan). If you're only going 10% you might as well make your own L Fund by diversifying across the board like you've kind of done already. L Funds already have diversification cooked into them already. Look at them as a Active Mutual funds and the C S I F as individual Index funds.

 

[Guest2]

Well put Bullitt, I totally agree and that is what my wordy response
(below) was trying to say to DCguy.

 

[DCguy]

thx for good advice. I'll make an ift soon and I expect to be in 100%I before the end of this month. This is just the temp thing I'm doing. At this moment, I think fed will cut rate. But then I think it will cause dollar to fall to the bottom of the earth and oil price to skyrocket to the moon. C and S will lose and only I'll do well...in the end.

 

[DCguy]

I think they already made the decision to cut the rate by 0.25% a long time ago. But the market's been hoping for .5% cut and so 0.25% cut won't be so good for the market. I'll just stay in 30%C, 30%S, 30%I and 10%F.

 

[Guest2]

I think they already made the decision to cut the rate by 0.25% a long time ago. But the market's been hoping for .5% cut and so 0.25% cut won't be so good for the market. I'll just stay in 30%C, 30%S, 30%I and 10%F.

I disagree when you say that the Market has been looking for a .50%
rate cut. The market has already adjusted to the thought of a rate
cut of .25%. Maybe dropping the Discount Window Rate by another
.25% will be the difference between a strong gain or a weak gain. The
buzz was .50% two days ago. Yesterday, the buzz changed to a .25%
- 0.00%. The losses seen yesterday somewhat reflected the markets
intolerance concerning an unchanged rate by the FOMC. Don't get me
wrong, equities ussually love steep rate cuts. The market could look at
a .50% rate cut as a negative, as it would look like the Fed may have
under estimated our current economic situation. Of coarse, I could be wrong !

 

[DCguy]

C and S are down almost 2%. I'll just stay in 30%C, 30%S, 30%I and 10%G till the end of this year.

 

[DCguy]

tsp.gov is down? I can't log in..

 

[Guest2]

tsp.gov is down? I can't log in..

She's up and running now. Just did my IFT

 

[khunk]

C and S are down almost 2%. I'll just stay in 30%C, 30%S, 30%I and 10%G till the end of this year.

I'll be holding on with you

 

[Birchtree]

Why bother with an L fund - go with the C fund and let it ride. I've done well over the years holding and DCAing into the C fund. My last IFT into the C fund was in Feb'04 - prior to that I rode the S fund down from the middle of 2002 and rode it up in 2003 DCAing all the way. The C fund ride in the later part of the 1990s was great. You don't have to be in a hurry.

 

[DCguy]

I got outta L and now fully invested in GCSI... well I made the ift 3 days ago.. so I lost alot yesterday... I'm staying in 30%C30%S30%Iand 10%G. No more ift till the end of this year.. I promise

 

[DCguy]

10%C 10%S 80%I b4 COB

 

[DCguy]

I'm down 1%. making some changes. 30%C 30%S 40%I

 

[DCguy]

I'm seeing the downward trend in bonds and $ index as the I fund is heading up almost 6% ytd. Ppl buy bonds when the stock market does not perform well, but I think ppl will just hold cash before going all in stock later this year. so I just ignore the F fund. The I fund is leading the other funds even though it is down almost 50 cents today. For the long term, I'll go all in I. I'm 100%G currently and used my 2nd ift and am waiting for my 2 ift's in June. I think spx will suffer in June and July as GM prepares to declare bankruptcy in June.