-
Welcome to the TSP Talk Forums forums.
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content, join our AutoTracker, and access many other special features. Registration is simple and absolutely free so please, join our community today!
If you have any problems with the registration process or your account login, please contact us. -
Please read our AutoTracker policy on the IFT deadline and remaining active. Thanks!
-
$ - Premium Service Content (Info) | AutoTracker Monthly Winners | Is Gmail et al, Blocking Our emails?
Find us on: Facebook & X | Posting Copyrighted Material
-
20% Off Annual Premium Subscriptions!*
Ends Jan 18... Click Here For More Information
* For new or current subscribers -
Join the TSP Talk AutoTracker: How to Get Started | Login | Main AutoTracker Page
-
The Forum works well on MOBILE devices without an app: Just go to: https://forum.tsptalk.com ...
Or you can now use TapaTalk again!
James48843 Account Talk
- Thread starter James48843
- Start date
The top folks on the AutoTracker are doing well, but it's not like the old days when the top folks would post their moves to help the rest of us decide if we wanted to take a chance or not. Sometimes we got lucky and sometimes we didn't.
flalaw97
Member
Well, EricDeLee has posted all of his 2021 moves at least two weeks in advance and he is number 4 on the charts. His next planned move is 100% to I fund on Sept. 16....
Very interesting. I was thinking of doing a similar move this month - noticing a pattern of dips in third week of the month for the last several months. Options expiration have something to do with it perhaps? Could be a coincidence but next expiration date happens to be 9/17. Or maybe there is another event around this period. But why I fund, I wonder? Maybe someone can elucidate?
He is most likely using seasonal trading on the site TSPcalc or something similar.
Should you google it near the middle left on the page you will see a block that says "Go to strategy" type in 84071. You will see what on the top left the "trading day" of the month in which you can make moves but if you are a paid member you will see an actual calendar at the bottom that tells you the exact calendar date to make the move. I'm not saying he is using this particular strategy but you will notice that even this strategy is trading almost in line with his past and future moves. For example he posted a moved into the C fund on 1 Sep so effective date of 2 Sep which is the 2nd trading day of the month September. His next move he said is 16 Sep which is the 11th trading day of the month (your remove weekends, holiday etc)
Please note nothing is 100% fool proof so seasonal trading has it risks as well.
James48843
Well-known member
Interesting. Walked in on my wife in the kitchen yesterday sitting at her laptop.
She decided to sell a lot of her stocks. She says she's got some dogs which she wants to get rid of- but also saidf she thinks the market is about to tank.
Call this the "jAMES' WIFE INDICATOR". She's a LOT better than me and knowing when to bail out-
however- SHE SET ALL HER SELL'S AS "MARKET PRICE" AT THE OPEN THIS MORNING.
iF OTHERS DO LIKE HER, THEN THE OPENING is going to be down this morning.
Just thought I'd pout that out there.
I'm also considering selling a bit myself- and moving to :
1% in EACH OF THE ENTIRE CHOICES of TSP funds- from the G to the L2065.
The intent is to be prepared to move BACK in *(thi sis my second move of the month) with the secret 1% move acroiss all 14 funds later, if that is appropriate. We shall see.
Good luck.
She decided to sell a lot of her stocks. She says she's got some dogs which she wants to get rid of- but also saidf she thinks the market is about to tank.
Call this the "jAMES' WIFE INDICATOR". She's a LOT better than me and knowing when to bail out-
however- SHE SET ALL HER SELL'S AS "MARKET PRICE" AT THE OPEN THIS MORNING.
iF OTHERS DO LIKE HER, THEN THE OPENING is going to be down this morning.
Just thought I'd pout that out there.
I'm also considering selling a bit myself- and moving to :
1% in EACH OF THE ENTIRE CHOICES of TSP funds- from the G to the L2065.
The intent is to be prepared to move BACK in *(thi sis my second move of the month) with the secret 1% move acroiss all 14 funds later, if that is appropriate. We shall see.
Good luck.
James48843
Well-known member
It did the last time I played with it about six months ago. You can round UP to the next higher 1%. If you are at 0.87%, you can round up to 1% . If you are at 1.05%, you can round up to 2%. At least it worked for me last time. We shall see if it works this time.
Anyway- I’m locked in now to the big spread. Wish me luck.
Sent from my iPhone using TSP Talk Forums
James48843
Well-known member
Yes, the 1% round up move worked successfully for me. It gained me about $2,000 more in my account then had it not worked.
I now have this tucked away solidly- note that it only works to round UP to the next higher full percentage.
Sent from my iPhone using TSP Talk Forums
I now have this tucked away solidly- note that it only works to round UP to the next higher full percentage.
Sent from my iPhone using TSP Talk Forums
James48843
Well-known member
I’ll just throw this out there- do with it what you like:
After 30 years of TSP’ing, here is what I would do differently if I had to start it all over again:
1. I’d put in more - as much as I could, as early as I could.
I was lucky that I started contributing 5% within a month of my first federal paycheck. Back then you had to do it by mail, and it took a month or two before your changes to contributions showed up. I would have gone to 10% or more (in those days the limit was 10%). If I had to do it over, I would have started with 15%.
2. I would contribute to ROTH earlier.
When I started, ROTH hadn’t yet been invented. It was like six or seven years after the TSP first offered ROTH that I actually studied what it was, and the benefits it can give you. I didn’t start contributing to ROTH until 2012, and even then, it was only like 3% that I was putting into ROTH. Now that I am retired, I’ve figured out I should have done more on the ROTH side earlier.
If I had to do it all over again, I would do a 50/50 split of ROTH and Traditional, as soon as I was able, to give myself more flexibility on where to take money from when I retired.
3. I would have listened to McDuck earlier, and discovered the power of the “Last Month’s Best Fund”.
I have used that as one very important tool in my tool box. It is NOT 100% foolproof, but it IS incredibly helpful - and would have saved me $100k or more, had I given it more weight earlier in my investing. I don’t follow it 100%, but it is a very important tool that has helped me.
4. I would have subscribed to Tom’s TSPTALK PLUS sooner.
5. I would give MORE deference to the Hindenburg Omen, and used it more as a caution than I did in the past.
Again, I don’t follow any system 100% of the time.
But the TSPTALK PLUS has done very well to help me understand what others are thinking and doing. Combined with the others, I’m very satisfied with what I have learned over 30+ years.
So my landmarks I watch carefully, besides the day to day performance of the market- are the above systems - LMBF, and TSPTALK, which help me decide when to be in, and when to be on the sidelines. I’m VERY cognizant of the Hindenburg Omen, and when that goes off, it really makes me sit up and watch closely EVERY DAY.
I also have become a tiny bit more conservative as I have now retired- but I’m still willing to risk more than most.
The next hardest part, is figuring out what I really NEED to take out to live on. I am spending less than I thought I would, one year into retirement, AND I still haven’t started collecting Social Security. (I just turned 61). I just hope my health holds up long enough to enjoy some European and Asian travel, if we ever get back to “normal” travel again.
Peace- out.
Sent from my iPhone using TSP Talk Forums
After 30 years of TSP’ing, here is what I would do differently if I had to start it all over again:
1. I’d put in more - as much as I could, as early as I could.
I was lucky that I started contributing 5% within a month of my first federal paycheck. Back then you had to do it by mail, and it took a month or two before your changes to contributions showed up. I would have gone to 10% or more (in those days the limit was 10%). If I had to do it over, I would have started with 15%.
2. I would contribute to ROTH earlier.
When I started, ROTH hadn’t yet been invented. It was like six or seven years after the TSP first offered ROTH that I actually studied what it was, and the benefits it can give you. I didn’t start contributing to ROTH until 2012, and even then, it was only like 3% that I was putting into ROTH. Now that I am retired, I’ve figured out I should have done more on the ROTH side earlier.
If I had to do it all over again, I would do a 50/50 split of ROTH and Traditional, as soon as I was able, to give myself more flexibility on where to take money from when I retired.
3. I would have listened to McDuck earlier, and discovered the power of the “Last Month’s Best Fund”.
I have used that as one very important tool in my tool box. It is NOT 100% foolproof, but it IS incredibly helpful - and would have saved me $100k or more, had I given it more weight earlier in my investing. I don’t follow it 100%, but it is a very important tool that has helped me.
4. I would have subscribed to Tom’s TSPTALK PLUS sooner.
5. I would give MORE deference to the Hindenburg Omen, and used it more as a caution than I did in the past.
Again, I don’t follow any system 100% of the time.
But the TSPTALK PLUS has done very well to help me understand what others are thinking and doing. Combined with the others, I’m very satisfied with what I have learned over 30+ years.
So my landmarks I watch carefully, besides the day to day performance of the market- are the above systems - LMBF, and TSPTALK, which help me decide when to be in, and when to be on the sidelines. I’m VERY cognizant of the Hindenburg Omen, and when that goes off, it really makes me sit up and watch closely EVERY DAY.
I also have become a tiny bit more conservative as I have now retired- but I’m still willing to risk more than most.
The next hardest part, is figuring out what I really NEED to take out to live on. I am spending less than I thought I would, one year into retirement, AND I still haven’t started collecting Social Security. (I just turned 61). I just hope my health holds up long enough to enjoy some European and Asian travel, if we ever get back to “normal” travel again.
Peace- out.
Sent from my iPhone using TSP Talk Forums
DreamboatAnnie
Well-known member
Thank you James and may God bless you. I hope you get to enjoy traveling soon.
2moryrs
Member
20/20 hind site in action! When I first got to start in TSP, let all my funds set in the G-fund. When I found tsptalk I only had a few years until retirement. (went out earlier than I wanted to because of health issues w/both my parents)
But, tsptalk was helpful (and I do mean all of all you all) in helping me get my money growing and being CSRS I hope I won't need it for awhile yet.
Parents left my brother and I some funds (totally unexpected that they had anything to leave) and have been trying to honor their memories and be careful/frugal with those funds. I have enjoyed some of them, and not been totally setting on them.
Everyday feeling very blessed to have worked in public service and earned benefits to make retirement life comfortable as life continues to advance (age). HAHAHA!!!
But, tsptalk was helpful (and I do mean all of all you all) in helping me get my money growing and being CSRS I hope I won't need it for awhile yet.
Parents left my brother and I some funds (totally unexpected that they had anything to leave) and have been trying to honor their memories and be careful/frugal with those funds. I have enjoyed some of them, and not been totally setting on them.
Everyday feeling very blessed to have worked in public service and earned benefits to make retirement life comfortable as life continues to advance (age). HAHAHA!!!
James48843
Well-known member
Moving everything into "G" fund today- that pesky Hindenberg Omen convinced me that today is going to be "BLACAK FRIDAY" in more ways than one.
Good luck. 100% "G" fund at close of business today.
Good luck. 100% "G" fund at close of business today.
FAAM
Active member
JAMES - Thank you for posting this morning & all the other times! Yes, I waded a little more in on Wednesday but holding most of my powder & rounds still in G awaiting some better entry... In my guesswork, it just seems like Markets have been over-extended and if we are to get a Santa-Rally it feels to me, with that and economic and COVID news and such, that it needs a bit of a drop or two first. Today looks like the 1st dose of that... will watch with one UP-IFT remaining & maybe go in some more on Monday or Tuesday(?).
2moryrs: Thx for sharing. You sound like an awesome person who really celebrated the Holiday with Thanks, and were already counting those blessings in your post here - as it sounds like you do every day. That is admirable, as is your quote ... No No Know Know.
... Oh, FWIW, GO OSU over Ducks (If my WAZZU Cougs can finally play a game against our rival UW today & OSU wins... we get Pac12 North).
Blessings to y'all!
2moryrs: Thx for sharing. You sound like an awesome person who really celebrated the Holiday with Thanks, and were already counting those blessings in your post here - as it sounds like you do every day. That is admirable, as is your quote ... No No Know Know.
... Oh, FWIW, GO OSU over Ducks (If my WAZZU Cougs can finally play a game against our rival UW today & OSU wins... we get Pac12 North).
Blessings to y'all!
Tsunami
Well-known member
Go Cougs!...and Beavs!!
Similar threads
- Article