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Interfund Transfer vs Contribution Allocations
- Thread starter BabyBoi
- Start date
GGal
Active member
imported post
:? Hello all you smart people! Since this is not in the "member allocation" topic, I suppose it is okay to say the following, after the fact:
Wednesday morning, prior to 12pm EST, so effective COB Wednesday, I made the following transfer:
From: C 50, S 45, I 5
To: G 20, C 35, S 35, I 10
I cannot intelligibly say what my reasoning was, other than I liked some of your arguments for current conservatism, so made my allocation a tad more conservative and a tad more diversified.
Sad to say, though, amateur at this that I am, I cannot relate what I did with any reasoning one way or the other as to what I should do about my contribution allocation. Currently, it is still C50, S 45 and I 5.
Any ideas on this? I was thinking things like, shouldn't I try to buy low, so perhaps I should change my contribution allocation to C 50 and S 50, expecting them to slowly continue an overall gradual down trend........ or is it perhaps more prudent to keep contributions in line with the fund allocation? Or even more prudent to play it safe and make all new contributions G, to be reallocated later?????? Or perhaps even more prudent, an overall equal distribution between the 4 (notice, I cannot bring myself to even consider F, and never have)!
Curious to see what the old-timers think about this!
GeorgiaGal
:? Hello all you smart people! Since this is not in the "member allocation" topic, I suppose it is okay to say the following, after the fact:
Wednesday morning, prior to 12pm EST, so effective COB Wednesday, I made the following transfer:
From: C 50, S 45, I 5
To: G 20, C 35, S 35, I 10
I cannot intelligibly say what my reasoning was, other than I liked some of your arguments for current conservatism, so made my allocation a tad more conservative and a tad more diversified.
Sad to say, though, amateur at this that I am, I cannot relate what I did with any reasoning one way or the other as to what I should do about my contribution allocation. Currently, it is still C50, S 45 and I 5.
Any ideas on this? I was thinking things like, shouldn't I try to buy low, so perhaps I should change my contribution allocation to C 50 and S 50, expecting them to slowly continue an overall gradual down trend........ or is it perhaps more prudent to keep contributions in line with the fund allocation? Or even more prudent to play it safe and make all new contributions G, to be reallocated later?????? Or perhaps even more prudent, an overall equal distribution between the 4 (notice, I cannot bring myself to even consider F, and never have)!
Curious to see what the old-timers think about this!
GeorgiaGal
imported post
GeorgiaGal wrote:
For example, if you have a$30,000 account and it is split 50% C / 50% S and youareputting your new contributions all in G,andyour paycheck contributions are $150, it's your $30,000 you need to be concerned about. The next time you make a transfer that $150 will be moved anyway.
So that's why I don't make a point as to where I put my contributions. If you have any kind of a balance and you make one or more transfers a month, itdoesn't make a big difference to youraccount.
Tom
GeorgiaGal wrote:
This is probablythequestionI receive most often and unfortunately I don't have any words of wisdom about where toput new contributions except to say that if you make more than one transfer a month, it won't matter too much.
For example, if you have a$30,000 account and it is split 50% C / 50% S and youareputting your new contributions all in G,andyour paycheck contributions are $150, it's your $30,000 you need to be concerned about. The next time you make a transfer that $150 will be moved anyway.
So that's why I don't make a point as to where I put my contributions. If you have any kind of a balance and you make one or more transfers a month, itdoesn't make a big difference to youraccount.
Tom
GGal
Active member
imported post
Hello Tom, and thanks for that very logical reply. Let's take this a little further. Say one is maxed out on contributions, 15% plus maximum catchup (which I am), and lets say one might be sticking toe in cautiously with regard to making transfers (me again).......would that make a difference in your answer? Hope I'm not putting you on the spot!
Thanks
GeorgiaGal
Hello Tom, and thanks for that very logical reply. Let's take this a little further. Say one is maxed out on contributions, 15% plus maximum catchup (which I am), and lets say one might be sticking toe in cautiously with regard to making transfers (me again).......would that make a difference in your answer? Hope I'm not putting you on the spot!Thanks
GeorgiaGal
imported post
GeorgiaGal wrote:
GeorgiaGal wrote:
You could always change yourcontribution allocationto match your account allocation whenever you do an interfund transfer.
