Personal Investment Peformance (PIP)?

Sort by newest Sort by date
Some improvement. I'm losing at a slower rate at least.

Your Personal Investment Performance (PIP) for the 12 months ending 07/31/2009 is -11.59%
 
Because I can no longer resist.

Your Personal Investment Performance (PIP) for the 12 months ending 07/31/2009 is 7.12%. (Your PIP is posted by the 3rd business day of each month.)

I owe it all to you people, natural light beer and a lotta luck.
 
James48843 said:
Congrats to all of the above. Ya got me beat.

:-)
Click to expand...

Me too James ! I didn't lose -40% in 2008, but putting my money at risk
during that year still hurt us to one degree or another. I'm greatful that
I wasn't one of those -40% cases, many of my coworkers were. I can't
imagine what their PIP results look like. But a -7.00% might make one look
like a genius in comparison to those unfortunate individuals. :worried:
 
It's been a month since I posted my last pip.

"Your Personal Investment Performance (PIP) for the 12 months ending 07/31/2009 is 24.4%. (Your PIP is posted by the 3rd business day of each month.)"
 
KevinD said:
Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is -9.17% :rolleyes:
Click to expand...
Keep it up....you might want to mirror the tractor man to help you make up some ground.....I'm up to 11% so I am very happy about my last 12 months and am ready to make some green.....but....I'll be watching coolhand through this rocky period!
 
Frixxxx said:
Keep it up....you might want to mirror the tractor man to help you make up some ground.....I'm up to 11% so I am very happy about my last 12 months and am ready to make some green.....but....I'll be watching coolhand through this rocky period!
Click to expand...
Tractor's made a total of 2 IFTs this year. To mirror him I'd have to have a time machine. :D

Coolhand is tracking the top 25% and thats all well and good but they are in strong hand status. Theres really no need for them to make any IFTs except for capitol preservation.

What I need to figure out is how to mirror the movers. You know...those who are moving up the tracker now. Basically it's the ones who get the prize from Tom each month for top performance.

I guess I'll have to get out a pen and a legal pad...unless theres another way I don't know about. :confused:
 
poolman said:
It's been a month since I posted my last pip.

"Your Personal Investment Performance (PIP) for the 12 months ending 07/31/2009 is 24.4%. (Your PIP is posted by the 3rd business day of each month.)"
Click to expand...

I'll Post This Months pip also. I like going up. :)

"Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is 24.84%. (Your PIP is posted by the 3rd business day of each month.)"
 
First PIP ever came out in September as my first contribution was sometime mid-August of last year.

Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is 21.46%.

Solid first year. I would like this to get up to 30% by years end. (And I know this wont happen every year!) Which I think is doable, as long as I stay clear of the bad stuff and hang on to santa come December.
 
Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is 31.46%. (Your PIP is posted by the 3rd business day of each month.)
 
So, tell me, is it too much to hope that our PIP is in fact the net increase or decrease in the value of our investments? --that it does not include our contributions and matching contributions?

This has always been what has made me crazy about (not in a positive way) TSP. I could never figure out a decent way to track how much of the increase in the balance was an increase in value vs additional deposits.

I know the formula is murky, and that this would be an over-simplification, but does the PIP basically and finally tell me how I'm doing??

--Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is -8.32%. (this was for August --clambering back up!)
 
va.gov said:
So, tell me, is it too much to hope that our PIP is in fact the net increase or decrease in the value of our investments? --that it does not include our contributions and matching contributions?

This has always been what has made me crazy about (not in a positive way) TSP. I could never figure out a decent way to track how much of the increase in the balance was an increase in value vs additional deposits.

I know the formula is murky, and that this would be an over-simplification, but does the PIP basically and finally tell me how I'm doing??

--Your Personal Investment Performance (PIP) for the 12 months ending 08/31/2009 is -8.32%. (this was for August --clambering back up!)
Click to expand...

My understanding is that the TSP PIP includes your contributions. If your PIP shows 0% for the year and you put in 7% of your retirement fund amount, you have really lost 7% in the market (-7%).
This has driven me to distraction as well, so I track my performance in a spreadsheet on a monthly and yearly simple and contibution exclusion calculation.
The simple rate of return includes the contributions and is verified with the TSP PIP. The contribution exclusion calculation just subtracts the contributions out of the equation on a monthly basis (there will be a slight error due to the timing of when the contributions are included in the TSP amount and therefore contribute to the % increase/decrease. This is a very small error when the contribution is less that 10% of the total TSP fund. I also reset this error when I get my real money value every month from TSP.).
example equation for the yearly Simple rate of return :
{[(total $ on Jan 1,2009) - (total $ on Jan 1,2008)]/(total $ on Jan 1,2008)} * 100 = PIP
You can change this for any 12 month period which is what the PIP does (i.e., Aug 2008 to Aug 2009).

Excluding the contributions rate of return (yearly basis) :
{[((total $ on Jan 1,2009) - (total contributions for the year)) - (total $ on Jan 1,2008)]/(total $ on Jan 1,2008)} * 100 = true market performance

For 2007, my PIP was 7%, but I contributed 7% to my account that year, which means that my true market performance was 0%. Just to be clear, this is a simplified method that gets you very close to the real value that TSP calculates using their cash flow method. Since I track my fund amount on the 1st of every month by logging into the TSP account, I get a true indication from monthly and yearly changes only.

I hope this helps.
Malyla
 
Last edited:
I don't think it includes matching contributions. I have not gained much money but I still have an overall gain, not including contributions. My pip is a little over 2 percent, which matches more or less what I calculated as my gains (I don't count the matching as gains).
 
Well, two different opinions, both from people who know what they're talking about! :laugh:

God forbid that TSP would post an explanation somewhere on the site.

Also, is there a way of digging up previous PIP numbers? --other than using the option of looking at your balances at an earlier date. I haven't tried that (just thought of it, lol), so I don't know that that would work.
 
va.gov - Check the 5th post in this thread. :)

On the other hand it may just muddy the water more. :laugh:
 
Last edited:
You must log in or register to reply here.

Similar threads

James48843
TSP traditional to TSP Roth conversion possible in 2026
Replies
4
Views
913
nasa1974
nasa1974
James48843
TSP Millionaire Count Grows
Replies
2
Views
326
Viettim
Viettim
tsptalk
A conversation with TSP Executive Director Ravi Deo
Replies
1
Views
245
WorkFE
WorkFE
P
IFT recommendations
Replies
1
Views
243
tsptalk
tsptalk
JTH
  • Article Article
Blog: 2025-Q2-April
Replies
0
Views
225
JTH
JTH
Back
Top