New Guy... dumb questions

[Jeff7599]

imported post

Im new to the site, and have a couple of dumb questions.

1. allocation vs. distribution: Im getting my terms mixed up on this site a bit. I dont see the current allocation and distribution. Am I reading it correct that on 12/9 TSP Talk reccomended our monthly allocation/contribuition should go into F Fund? The page says "Our Current Fund Allocation and Past Interfund Transfers". Im confused. Im getting confused just trying to explain it. Does this site only reccomend allocation/contribuitions, or does it also reccomend current distribution? Our should we be shifting both at the same time, to the same fund?



2. Under the returns page, it shows the TSP talk returns compared to the funds, it says "A positive number indicate my return is greater then allocation, a negative number indicates my return is less". Am I reading that correctly and seeing that TSP talk has done worse then every fund? I know that cant be right.

 

[tsptalk]

imported post

Welcome Jeff -

1. I usually only do an interfund transfer. When you do an interfund transfer, your total balance gets moved at that point. If you haven't made a transfer in a month or more and your contribution allocation is different than your current account allocation, you might go in and do another interfund transfer to get those new contributions into your desired account allocation. If you were to do just one, I would do the interfund transfer. But you could just as easily do both.

2. 2005 has been a tough year for the TSP Talk trading accountfor a couple of reasons. A couple of poorly times trades plusI can't usually make a transfer within 2 hours of the deadline because of my job. And I won't make one if I can't get the email alerts out to declare it. No excuses really. Basically, listen to what I say, but don't always dowhat I do.Most here have done that and have done very well. Also, the buy and hold strategy ([url]http://www.tsptalk.com/returns/returns2.html[/url]) has done better.

Tom

 

[Jeff7599]

imported post

Thanks for the quick reply. Ive been watching this site for over a month, and couldnt figure that out. I thought you were posting both, and couldnt find both. Now I know Im not crazy. So basically, for both questions, I was seeing it correctly, it just didnt seem that way. Thanks again.