Maricar19 Account Talk

Which TSP option/s did or will you choose upon Retirement?


  • Total voters
    117
Lucky you...you made 29 cents a share in selling your I fund...
8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!
 
8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!

I fund is + .02% as of 12 noon, 8/3. Since Greece tanked, I fund might end as a loss tonight. Uggh..
 
8/3 With talks about Greece tanking in the PREMARKETS, I think I made a good decision of selling my I fund and moving to G last Friday.
Now, I am thinking that I should have moved the S to G also. Hindsight is 50/50 LOL!

I fund is + .02% as of 12 noon, 8/3. Since Greece tanked, I fund might end as a loss tonight. Uggh..

Bmcar: -16 cents on S and -.03 cents in I. Maybe you should have sold your S instead of I..just kidding.
 
is it like you are luke and bm is darth or something?

(please skip the heavy breathing).

also, if one joins a premium service do both get to trade it? like attorney client privelege or something?
 
is it like you are luke and bm is darth or something?

(please skip the heavy breathing).

also, if one joins a premium service do both get to trade it? like attorney client privelege or something?

Burro,when it comes to trading, the family motto is "to each his own"
 
I Fund at 12 noon- August 2015

[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]8/3[/TD]
[TD]-.02%[/TD]
[TD]-$.03[/TD]
[/TR]
[TR]
[TD]8/4[/TD]
[TD]-.26%[/TD]
[TD][/TD]
[/TR]
[TR]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[/TABLE]
 
[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]Date[/TD]
[TD]Noon[/TD]
[TD]End of Day[/TD]
[TD]+Gain/-Loss[/TD]
[/TR]
[TR]
[TD]8/3[/TD]
[TD]-.02%[/TD]
[TD]-.26%[/TD]
[TD]$-.033[/TD]
[/TR]
[TR]
[TD]8/4[/TD]
[TD]-.26%[/TD]
[TD]+.08[/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8/5[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8/6[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8/7[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[/TABLE]
 
I fund
[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]Date[/TD]
[TD]Noon[/TD]
[TD]End of Day[/TD]
[TD]+Gain/-Loss[/TD]
[/TR]
[TR]
[TD]8/3[/TD]
[TD]-.02%[/TD]
[TD]-.26%[/TD]
[TD]$-.033[/TD]
[/TR]
[TR]
[TD]8/4[/TD]
[TD]-.26%[/TD]
[TD]+.08[/TD]
[TD]$-.01[/TD]
[/TR]
[TR]
[TD]8/5[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8/6[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[TR]
[TD]8/7[/TD]
[TD][/TD]
[TD][/TD]
[TD][/TD]
[/TR]
[/TABLE]
 
[TABLE="class: grid, width: 200, align: left"]
[TR]
[TD]Date[/TD]
[TD]Noon[/TD]
[TD]End of day[/TD]
[TD]Gain-/Loss[/TD]
[/TR]
[TR]
[TD]8/3[/TD]
[TD]-.02%[/TD]
[TD]-.26%[/TD]
[TD]-$.03[/TD]
[/TR]
[TR]
[TD]8/4[/TD]
[TD]-.26%[/TD]
[TD]+.08%[/TD]
[TD]-$.01[/TD]
[/TR]
[TR]
[TD]8/5[/TD]
[TD]+.49%[/TD]
[TD]+.53%[/TD]
[TD]+$.0[/TD]
[/TR]
[/TABLE]
I FUND
It looks like TSP will owe us tomorrow...or it's a payback from yesterday..
 
July Outlook:

It is interesting to note that for the last four (4) years, the S fund was negative (-) in July of 2015, 2014 and 2012.
F, C and I Fund were negative in July 2014 only.
I wonder what July 2016 will bring...

[TABLE="width: 320"]
[TR]
[TD="width: 64"][/TD]
[TD="class: xl65, width: 64"]F Fund[/TD]
[TD="class: xl65, width: 64"]C Fund[/TD]
[TD="class: xl65, width: 64"]S Fund[/TD]
[TD="class: xl65, width: 64"]I Fund[/TD]
[/TR]
[TR]
[TD="class: xl64, align: right"]2015[/TD]
[TD="class: xl66"]0.74%[/TD]
[TD="class: xl66"]2.10%[/TD]
[TD="class: xl67"]-0.12%[/TD]
[TD="class: xl66"]2.08%[/TD]
[/TR]
[TR]
[TD="class: xl64, align: right"]2014[/TD]
[TD="class: xl68, width: 64"]-0.19%[/TD]
[TD="class: xl69, width: 64"]-1.37%[/TD]
[TD="class: xl69, width: 64"]-4.38%[/TD]
[TD="class: xl69, width: 64"]-1.95%[/TD]
[/TR]
[TR]
[TD="class: xl64, align: right"]2013[/TD]
[TD="class: xl68, width: 64"]0.13%[/TD]
[TD="class: xl68, width: 64"]5.10%[/TD]
[TD="class: xl68, width: 64"]6.88%[/TD]
[TD="class: xl68, width: 64"]5.29%[/TD]
[/TR]
[TR]
[TD="class: xl64, align: right"]2012[/TD]
[TD="class: xl68, width: 64"]1.38%[/TD]
[TD="class: xl68, width: 64"]1.40%[/TD]
[TD="class: xl69, width: 64"]-0.62%[/TD]
[TD="class: xl68, width: 64"]0.56%[/TD]
[/TR]
[/TABLE]
 
MC,

Per your request ! :smile:

Now that you are retired, you can roll your TSP balance over into an IRA...

What I did ? I opened a new "traditional" IRA with USAA, and rolled over all but 3 years of my estimated monthly withdrawal rate to a self-directed brokerage IRA there....rolled all of the Wife's 403(b) (Teacher) retirement account, too, into an IRA in her name...then drew down the balance on my TSP in equal monthly payments.

I did it that way because I could withdraw from TSP without penalty, but I couldn't withdraw from my IRA until I was 59.5...thus the 3 years left in TSP...

I assume many different companies also offer brokerage trading IRAs...do your "due diligence" if you decide to go that route ! :smile:

FWIW...this worked out beautifully for us...we had the monthly TSP withdrawal when needed, early on in my retirement. And now I can trade our retirement funds as I see fit, NOT subject to the stupid 2 IFT rules of the TSP ! :D

I've focused on a conservative allocation of "buy-and-hold" stocks and funds, with a target of a 4% dividend (except for the bonds !), that matches my pre-retirement estimated withdrawal rate. OTOH, our expenses have been lower than I estimated (so far !), so I haven't even tapped either IRA since our TSP was drawn down to zero in July 2015...almost a year ago ! :D

I also keep a portion of money in cash (to avoid trading on margin, etc), and some set aside to trade stuff like the VIX, and a premium service...my "mad money" ! Just plugged in the numbers as of 26 June, and my "mad money" is up to 11% of our total retirement assets...a little higher than I would normally have it...

Anyway...HTH !!!


Stoplight...
 
Back
Top