Today, I am doing something that I've never done before. I am watching the market to get up-to-the-minute trading information to determine if I should continue to leave my allocations in the S, F and L2050, as they have been going downhill for the last couple days, at least. Based on when I initially allocated the funds in those, it appears, I'm still in the black, but considering what's happening, that will be short-lived. I think my instincts and the little logic I have about investing, this makes sense. LOL! Well, I will determine this before noon EDT today, so we shall see. Have a great weekend!
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Felinecrl's Account Talk
- Thread starter felinecrl
- Start date
evilanne
Market Veteran
- Reaction score
- 122
Re: Felinecrl Account Talk
Good Luck. Why the 10% L2050? Just curious as to what your logic is, rather than just sticking with the basic funds.
Re: Felinecrl Account Talk
My logic was trying to diversify a bit. If one or two markets start to fall, surely one or two of the others will stabilize or rise, but based on what happens, it gives me an edge and time to make an IFT. LOL! That may not sound logical at all, but hopefully it will work. So far, not so bad.
My logic was trying to diversify a bit. If one or two markets start to fall, surely one or two of the others will stabilize or rise, but based on what happens, it gives me an edge and time to make an IFT. LOL! That may not sound logical at all, but hopefully it will work. So far, not so bad.
DreamboatAnnie
TSP Legend
- Reaction score
- 649
Re: Felinecrl Account Talk
The L funds are a mix of the basic G, F, C, S and I funds. Right now, the L2050 is the most aggressive with about 83% in the equity funds (S, C and I funds) while about 17% are in the G and F funds. So the 10% you have in L2050 is comprised of about 8.3% in equities and 1.7% in G and F. Your doing good because about 98% of your money is in equities and the market is doing great right now.
Here is link to TSP.gov link that shows tabs that show the make up of the various L funds. The higher the number (i.e. L 2050 in comparison to say L2020) the more that is in equities. These L funds were developed to help folks properly allocate more of their retirement to riskier equities when they are young and have a long time (2050)before they retire and as they get older and time passes the allocation for the L2050 will eventually be changed overtime so less is put into riskier equities and more will be allocated to the safest fund, the G fund but that fund gains very little due to that safety. You can play with the slider bar below the pie chart at this link to see how the allocations change over time. For example, by 2045 the L2050 fund will only be putting about 50%into equities.
https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_L2050.html
Best wishes to you Feline!!!!!!! :smile:
The L funds are a mix of the basic G, F, C, S and I funds. Right now, the L2050 is the most aggressive with about 83% in the equity funds (S, C and I funds) while about 17% are in the G and F funds. So the 10% you have in L2050 is comprised of about 8.3% in equities and 1.7% in G and F. Your doing good because about 98% of your money is in equities and the market is doing great right now.
Here is link to TSP.gov link that shows tabs that show the make up of the various L funds. The higher the number (i.e. L 2050 in comparison to say L2020) the more that is in equities. These L funds were developed to help folks properly allocate more of their retirement to riskier equities when they are young and have a long time (2050)before they retire and as they get older and time passes the allocation for the L2050 will eventually be changed overtime so less is put into riskier equities and more will be allocated to the safest fund, the G fund but that fund gains very little due to that safety. You can play with the slider bar below the pie chart at this link to see how the allocations change over time. For example, by 2045 the L2050 fund will only be putting about 50%into equities.
https://www.tsp.gov/InvestmentFunds/FundOptions/fundPerformance_L2050.html
Best wishes to you Feline!!!!!!! :smile:
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felinecrl's Account Talk
Effective COB, I am heading back to the low risk hills of the G fund. I think investors are a bit skiddish right now with all that's going on, so I will sit back and see what happens at least throughout the weekend. If the funds don't fall too much I will be back in the highlands probably on Monday.
Happy investing everyone! :cheesy:
Effective COB, I am heading back to the low risk hills of the G fund. I think investors are a bit skiddish right now with all that's going on, so I will sit back and see what happens at least throughout the weekend. If the funds don't fall too much I will be back in the highlands probably on Monday.
Happy investing everyone! :cheesy:
re: felinecrl's Account Talk
That is good information to take into consideration, JamesE. It depends on how things look on next week, but I may stay in the G long enough to see if things start to remain steady or look like an uptick, prior to moving again. I'd rather take the little gains that I have, rather than waiting too long as I have in the past, and lost my gains quite rapidly.
That is good information to take into consideration, JamesE. It depends on how things look on next week, but I may stay in the G long enough to see if things start to remain steady or look like an uptick, prior to moving again. I'd rather take the little gains that I have, rather than waiting too long as I have in the past, and lost my gains quite rapidly.
JamesE
TSP Strategist
- Reaction score
- 4
re: felinecrl's Account Talk
It's all about perspective and tolerance. I learned to change my perspective and ignore my tolerance.
Old Birchtree used to say that you should be scared to death while you are in the market, that's when you make money. We've got to make money while we can, this bull will not be around forever.
It's all about perspective and tolerance. I learned to change my perspective and ignore my tolerance.
Old Birchtree used to say that you should be scared to death while you are in the market, that's when you make money. We've got to make money while we can, this bull will not be around forever.
Robo5555
Analyst
- Reaction score
- 8
