Intrepid_Timer's PUBLIC Account Talk

[Intrepid_Timer]

I_T ---- learning as we go!!!!! Just want to say "many thanks" for the education & guidance you have been providing.

My pleasure. Hope it is helping.

 

[Intrepid_Timer]

I_T now I am not 100% certain, but I think the TSP has to allow us the <1% option b/c the amounts you have in the C,S,I funds are prone to go UP or go DOWN by fractional amounts. The last <1% move I made was to recover where I was because the I fund took a big hit and my amount went down and that was lower than what I intended to have in the I fund.

I am sure these <1% moves are not under "the Bored's" radar but I see the option as useful - as for the option being "insignificant" I hope to prove that to be incorrect - I think there is plenty of potential

I wasn't the one that said it was "insignificant". I hope it is helping you guys. I just don't wanna have to come up with another system in case they change things. Not that they will.........................I just find keeping things simple is one of the best strategies one can have. At least for me.

 

[Intrepid_Timer]

Frequent trading to and from the I-Fund is what supposedly doubled the trading cost and put us in this boat in the first place. Ultimately it doesn't matter what you & I think, it matters what the TSP Board thinks, and they believe they are well within their right to manage your money how they see fit, and they've proved they can do it without your permission.

So guess what, you have the right to move your money 100% of the time to the G-Fund. It just so happens the government has the right to borrow your money from the G-Fund, should it decide it needs to pay off some debts. Both Clinton & Bush have done it, will Obama be next?

TSP's low trading cost are not worth the risk acceptance of the government having control over my money. Governments around the world have & will continue to siege retirement pensions, don't be fooled, there will come a day when they will borrow our money, and be unable to pay it back...

Exactly why I took some out when I quit the government and put it into my own accounts with a couple different companies. Another good reason to fully fund a Roth account each year outside of TSP also. Just make sure you at least get the matching contributions. Just my opinion of course. Every person has their own situation to deal with.

Thanks for the input JTH. Always informative!

 

[JTH]

!

Sorry for going off on my usual tangent, I'm 30 years away from retirement and have valid concerns I'll be the one left holding the bag and it will be empty. For me, a ROTH IRA has been the single biggest slice of freedom I can feed myself.

 

[FUTURESTRADER]

I don't think I've ever seen so many moves on the tracker since it's started. Sure hope the folks making all those <1% don't mess things up for the rest of us. Some 401K's don't allow you to make transfers for 180 days............you know TSP doesn't like to work too hard....................:blink:

You're giving the tsp board way too much credit. They made the 'unlimited transfer expense excuse to other participants' just to turn us on each other. Barclays probably suggested it to the board. The board is just clueless, bureaucrats. Barclays convinced them that they are financial experts. I can't blame the board, I'm embarrased for them. Barclays played them like a million dollar Stratovarius. Barclays was bleeding and pulled the tsp board puppet strings to cut their losses.

 

[FUTURESTRADER]

actually, Barclays played the Board more like a dime store ukulele. I just hope Blackrock doesn't pimp the board as blatantly.

 

[FAB1]

I wasn't the one that said it was "insignificant". I hope it is helping you guys. I just don't wanna have to come up with another system in case they change things. Not that they will.........................I just find keeping things simple is one of the best strategies one can have. At least for me.

If I inferred you did by using "quotes" I didnt mean to. My bad.

I think another good thing about <1% moves is by making them I stay more aware of my investments...I blew it more than once last year by not paying attention.

 

[Intrepid_Timer]

I'll be talking about another little creative TSP posturing idea tomorrow in my commentary. You <1% guys might wanna check it out............

 

[FUTURESTRADER]

I'll be talking about another little creative TSP posturing idea tomorrow in my commentary. You <1% guys might wanna check it out............

I'm still on the fence if it is a beneficial strategy. I think it can be looked at as dollar cost averaging/trending hybrid as well as keeping you somewhat out of TSP jail, kinda on probation. But I think it will/would take some serious number crunching to estimate it's validity.

 

[FUTURESTRADER]

If I inferred you did by using "quotes" I didnt mean to. My bad.

I think another good thing about <1% moves is by making them I stay more aware of my investments...I blew it more than once last year by not paying attention.

I made 90% of my return last year by not looking at my account and leaving it all in S fund for about 3 months. Just luck I suppose. Actually, I tried to manage my account actively and made a return of 10%. I left the AutoTracker here in S and showed a return of 22.61%.
I think that says identifying a trend with...well...i dunno what it says...lol

 

[sdouglas3]

You're giving the tsp board way too much credit. They made the 'unlimited transfer expense excuse to other participants' just to turn us on each other. Barclays probably suggested it to the board. The board is just clueless, bureaucrats. Barclays convinced them that they are financial experts. I can't blame the board, I'm embarrased for them. Barclays played them like a million dollar Stratovarius. Barclays was bleeding and pulled the tsp board puppet strings to cut their losses.

i think your exactly right! I feel Barclays wasn't making as much money when we could trade when we wanted to. And it cut into thier short term trading profits. Solution was to get the board to limit trades. Damn, that makes me mad still.

Steve

 

[FAB1]

I made 90% of my return last year by not looking at my account ....I think that says identifying a trend with...well...i dunno what it says...lol

If you dunno know, neither do I!

Everybody has to manage their account in the manner they feel is best for them - Im sure that buying and holding can be profitable if you pick the right fund(s) to buy and hold.

My ability to discipline myself in that area isn't very good. I feel more comfortable in an active day to day management and the prospect of making a certain goal per month and "getting the hell out" is less stressful.

Money isnt everything, they say.

 

[Intrepid_Timer]

Well, let's see if Obama talking tomorrow night and the Fed announcement on Wed can take this market higher. Dow 12000 coming up. It'll be interesting to see how close they are to raising rates. What if they did Wed? :nuts:

I would suspect tomorrow will be a slightly down day in anticipation of the aforementioned occurrences................

 

[JimmyJoe]

Perhaps slightly down, then up for the rest of the week.

 

[JTH]

I would suspect tomorrow will be a slightly down day in anticipation of the aforementioned occurrences................

Thanks for reminding me, it was enough of a partial reason to keep me out of the markets today. I doubt I would have entered the markets otherwise, but it did make the decision easier to swallow.

 

[Intrepid_Timer]

Firefox to develop "Do Not Track" privacy tool

http://finance.yahoo.com/news/Firef...9hZGQ-?x=0&sec=topStories&pos=4&asset=&ccode=

 

[Dutchy]

Birchtree says on his thread that small caps have had their run (P/E'S @17) and Large Caps have room for more upside (P/E's @ 14.) Looking at this and other technical measures would C Fund be the place to be during current/future buy signal ??

 

[Birchtree]

These valuations were near these levels in June 1983; over the next decade the S&P 500 handily outperformed the R2K, returning 10.4% annually vs. 6.5%. Large caps are going to have their day - but don't believe me just watch the market. As a matter of fact the valuation ratio of small to large is about 1.2, equal to the highest ever recorded. Small and mid-caps have had their run - it's time to pass the baton to the C fund and I fund.

 

[nnuut]

These valuations were near these levels in June 1983; over the next decade the S&P 500 handily outperformed the R2K, returning 10.4% annually vs. 6.5%. Large caps are going to have their day - but don't believe me just watch the market. As a matter of fact the valuation ratio of small to large is about 1.2, equal to the highest ever recorded. Small and mid-caps have had their run - it's time to pass the baton to the C fund and I fund.

And I thought it was going to happen TODAY?

 

[Dutchy]

These valuations were near these levels in June 1983; over the next decade the S&P 500 handily outperformed the R2K, returning 10.4% annually vs. 6.5%. Large caps are going to have their day - but don't believe me just watch the market. As a matter of fact the valuation ratio of small to large is about 1.2, equal to the highest ever recorded. Small and mid-caps have had their run - it's time to pass the baton to the C fund and I fund.

Makes sense Birch. You'll be popping up the Tracker this evening! Damn those 2 IFT's per Month. But I'll be taking all this into account during I-T next "buy" signal. Thanks!