Kaufmanrider's Account Talk

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So I am number 666 on the autotracker, 1.64% return for the month. It's actually off. I moved
to California in December and forgot to take the time difference into account when I entered my TSPtalk IFT.
My TSP was done the night before so it entered correctly.

My error. Actually I am up 2.48% for the month.
 
Getting Hot, Hot, Hot out there. taking half more off the table, leaving a little in, but if the temp rises anymore, I'll bail.

75% G, 13% S, 12% I
 
As I get closer to probably retiring (Jan 2014) I am looking for ways to invest my TSP, as I plan to roll it out of TSP into Schwab.

I Like Birch's Oceanic Portfolio. I'll put a good portion into dividend stocks and keep some for other investments.

I like the "All About" series of books on investing so I ordered "All About Dividend Investing." I am currently reading "Candlesticks De-Mystified"
and "The Technical Analysis Course."

The years of Buy and Hold were not good to me, but I can't complain. I was ignorant on investing. I believed the hype.

I could have had more in TSP, but I have a good size account. Enough to
give me some decent 72T payouts. Now for the Interest Rates to rise in the next year or two as Mr. Soros anticipates :-)

It'll be good to be able to retire young. Makes me feel like I am part of the 1%.
 
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Kaufmanrider said:
As I get closer to probably retiring (Jan 2014) I am looking for ways to invest my TSP, as I plan to roll it out of TSP into Schwab.

I Like Birch's Oceanic Portfolio. I'll put a good portion into dividend stocks and keep some for other investments.

I like the "All About" series of books on investing so I ordered "All About Dividend Investing." I am currently reading "Candlesticks De-Mystified"
and "The Technical Analysis Course."

The years of Buy and Hold were not good to me, but I can't complain. I was ignorant on investing. I believed the hype.

I could have had more in TSP, but I have a good size account. Enough to
give me some decent 72T payouts. Now for the Interest Rates to rise in the next year or two as Mr. Soros anticipates :-)

It'll be good to be able to retire young. Makes me feel like I am part of the 1%.
Click to expand...

Would you recommend any of the books you mentioned?
 
bmneveu said:
Would you recommend any of the books you mentioned?
Click to expand...

I like the all series of books. Just picked up the other two I mentioned yesterday at Barnes and Noble. Reading Candletsticks De-Mystified now. Couple chapter
in and I like it. You can get the ALL books on Amazon for around 15 bucks each, they are 20+ at B and N.

I have read All About Market Indicators, All About Market Timing and All About Technical Analysis. Yes, I would recommend them. Good information in each.

The Market Indicators has info on VIX/Stochastics/Volume/Moving Averages/MACD/RSI/Surveys/Puts and Calls/etc, etc.

Market Timing has info on varius timing strategies, Calendar Based, Presidential Cycle, Moving Averages, Value Line, etc.

The "All Series" make it easy to understand for a novice like me as they explain how each works. And at about 15 bucks each, affordable.
 
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My TSP is still holdin 50% S, 50% L Income.

In my brokerage, I bought a Birch yummie today. Bought ETN (Eaton). I already have been holding LEG, Legget and Platt, and it has been moving up nicely and adding some dividends to my account.
Hopefully Eaton does the same. They recently announced a dividend increase and goes ex-dividend on Thursday.

That's two, eventually I'll hold about two dozen, at least that's my goal with my part of my TSP when I roll it next year.
 
So I was reading the July 2012 Annual Report from the TSP Board. Frightening numbers. I guess many of
our co-workers don't take the need for TSP seriously. I am no millionaire, but have a comfortable amount
after 25 years and riding the ups and down of the dot.com/Y2K bubble and Great Recession nose dive. Could have been better, but
hey, I'll take what I got. Better than the average. And looking at the asset allocation this recent run up hasn't done them much good.

Account Balance, Annual Contribution, and Participant Age*
Active FERS $82,461 $5,306 45.6
Active CSRS $85,607 $6,620 57.3
Active Uniformed Services $12,582 $2,197 31.2
Separated Participants $57,311 n/a 50.8
All Participants $63,398 $3,755 44.5



Asset Allocation
Participant* G Fund F Fund C Fund S Fund I Fund L Funds
FERS 44% 7% 23% 8% 5% 13%
CSRS 52% 7% 23% 6% 3% 9%
Uniformed Services 41% 5% 14% 12% 9% 19%
All Participants 45% 7% 23% 7% 5% 13%
*Includes active and separated participants.
 
Kaufmanrider said:
So I was reading the July 2012 Annual Report from the TSP Board. Frightening numbers. I guess many of
our co-workers don't take the need for TSP seriously. I am no millionaire, but have a comfortable amount
after 25 years and riding the ups and down of the dot.com/Y2K bubble and Great Recession nose dive. Could have been better, but
hey, I'll take what I got. Better than the average. And looking at the asset allocation this recent run up hasn't done them much good.

Account Balance, Annual Contribution, and Participant Age*
Active FERS $82,461 $5,306 45.6
Active CSRS $85,607 $6,620 57.3
Active Uniformed Services $12,582 $2,197 31.2
Separated Participants $57,311 n/a 50.8
All Participants $63,398 $3,755 44.5



Asset Allocation
Participant* G Fund F Fund C Fund S Fund I Fund L Funds
FERS 44% 7% 23% 8% 5% 13%
CSRS 52% 7% 23% 6% 3% 9%
Uniformed Services 41% 5% 14% 12% 9% 19%
All Participants 45% 7% 23% 7% 5% 13%
*Includes active and separated participants.
Click to expand...
Tis startling. I worked with people who had college degrees and they had their money in the three equity funds by far (i think). I wonder if that made a difference. Im sure there are great investors without degrees too but, well, just a thought. Anyway. This shows how many of us at Tsptalk are better investors, thankfully. The key is to try to understand market fluxuations and tendencies. You can lead a horse to water.....
Looking further, I'll bet that active members are more into stocks. Retirees being conservative skew the data. But retireing with only 57,311 dollars in tsp is a self imposed crime. Way too conservative.
 
This data is interesting but it begs for more questions. The asset allocation may be misleading as JimmyJoe pointed out by being skewed toward retirees allocations. Are separated participants only retirees or anyone who has left federal service? Also, how do we know those folks didn't just work a gov't job for a few years at the end of their career? They may have other retirement accounts they've built up in previous occupations. It would be interesting to see this data separated further: # of years of service, age by decade...
 
JimmyJoe said:
Tis startling. I worked with people who had college degrees and they had their money in the three equity funds by far (i think). I wonder if that made a difference. Im sure there are great investors without degrees too but, well, just a thought...
Click to expand...
Where I work, everyone has a college degree, and from the confessions I hear, most are either diversified with a heavy stake in G or entirely in L funds. A few throw it all into stocks all the time. All are buy and holders. All drink the Kool-Aid that makes them believe "the TSP is well-managed". Well managed by whom? Anyway, you could be right. I certainly don't know the allocations of all my colleagues. Maybe they're all secret financial wizards.:confused:
 
Moved back into the G fund Friday. Gonna sit on the sidelines for a tad and see if we get a slight pullback, maybe this week? I am meeting my goals for the month/year so I am happy.

I think we go sideways or slightly down for the next few months. It's probably time for a breather before the next leg up. Looking to buy a dip.

I hope I don't look long. :D
 
Had a tad in C fund from my last contribution. Doing a >1% up. New allotment 99-S and 1-C. I am thinking
in a few weeks or so the C fund will be the fund to own. Going to start positioning myself now.

Of course,there is always a 10% correction possibility, I think we over are due.
But I still think end of year we finish higher than we are today. Buy and hold, or time it?
I'd prefer to time it, but if not I'll ride the waves.

Gotta keep my eyes open.
 
Still 99% S, 1 % C. Hoping to get back what I have lost this month.

In my personal dividend account, sold Vectron (VVC) and Genuine Parts (GPC) this morning and bought more Eaton (ETN) and added some Walgreens (WAG).
 
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