Thanks Konakathy, once a long time ago in 2008 I had a 23% return - IN MARCH - members back then could move (make an IFT) once each day. I was just learning.
To be honest, there are many members on this site that can show that kind of return, and more, if we only had a reason ability to move between funds, capturing profits and avoiding losses. Some say thats trying to time the market. I say, if you just pay attention, anyone can steer tomorrows curve better than just trying to drive straight down a winding road, thru snow banks, into ditches, and off cliffs with your very important retirement investment. In other words, stupidly trying to buy and hold with blinders on.
Saving adminstrative costs is not what's important, that's pennies compared to hundred dollar bills. Today, federal employees will never be able to be proactive with their TSP retirement under the 2008 IFT restriction rules. The fact is, under this needless restriction, everyone on this autotracker, for 2011, that had a return over zero percent, was lucky.
But, the fact is, many people on this very internet board could show ever federal employee in the United States, what it is to be truly responsible with their money and learn how to be effectively proactive with retirement and live their golden years with much greater peace of mind.
Friends don't let friends buy and hold. That's what we're about. Isn't it?