Myemal;bt2944 said:
thx for the tip about >2 ift's and the G fund - it's nice to know it doesn't have to be 100% G after 2 (which is what I thought)
You can transfer less than 1% into a fund 9 times in a month (max).
Day 1 any type of transfer
Day 2 any type of transfer
Day 4 <1% transfer from 1 fund into a fund with x.001% or higher
Day 6 <1% transfer from 1 fund into a fund with x.001% or higher
Day 8 <1% transfer from 1 fund into a fund with x.001% or higher
<continue on>
You can't do a <1% trade every day because the system isn't real time. If you want to exercise this option you need to start with a minimum of 1% in the fund you want to trade into. Check Squalebears account thread for more info.
You would use this method if you burn up the two unrestricted IFT's early in the month due to volatility and the market then later takes off. The flip side is you always have to have skin in the game. Even if it is only 1% in C, S, I, if the market is tanking fast, these 1% exposures will eat your minimal G fund gains.
Even so, if you were in this plan and wanted to, you could increase from 3% upwards to 28% equity exposure after your two regular IFT's. Or, you used the lifecycle funds at 1% could go from ~6% exposure to the equity markets to 62% if the markets went positive each and every trading day of the month.
When I get some time I am going to put together a manifesto on how to use this to your advantage. Best of luck,
-E
