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Pill's Account Talk
- Thread starter Pill
- Start date
Pill
TSP Strategist
- Reaction score
- 5
imported post
Making a move to get more spread out. IFT C 20, I 60, S 20. Isense the CS and I all should maintain there upward trend through the New Year. Any input would be great about which funds you are liking. Very new investor and still learning the ropes! Good luck to all.
Making a move to get more spread out. IFT C 20, I 60, S 20. Isense the CS and I all should maintain there upward trend through the New Year. Any input would be great about which funds you are liking. Very new investor and still learning the ropes! Good luck to all.
Pill
TSP Strategist
- Reaction score
- 5
imported post
OK its nice to be back on a computer. The market seems to be heading the right direction!
I just got married, so I have been out of the loop for a few days!
Dollar cost averaging 30 c, 30 s, 40 i! Seems to be working great.
I had to pull a 5k loan out of TSP for help with the wedding. Should have it paid back in three months.
Good luck to all and Merry Christmas!
OK its nice to be back on a computer. The market seems to be heading the right direction!
I just got married, so I have been out of the loop for a few days!
Dollar cost averaging 30 c, 30 s, 40 i! Seems to be working great.
I had to pull a 5k loan out of TSP for help with the wedding. Should have it paid back in three months.
Good luck to all and Merry Christmas!
Pill
TSP Strategist
- Reaction score
- 5
Learning
Dennis,
My learing and understanding the market isnt coming along as fast I would like it to. I wish there was a class I could take. Reading this board is helping alittle but I end up basing my decisions off of respected members like your self. Right now all I know to do is just keep DCA. I'm basicly just pumping more money into the funds each pay period. I dont know when to pull my money out of a fund except when there seems to be a pull back. Looking at the share prices every thing seems high with potential to go higher. Should I take some profits? If so, where should I shift and when do I buy again? What should I do??
I would have just continued to ride along waiting for others to say there is going to be a pull back before moving my money.
So should I have my $$ going into a fund with a lower share price waiting for the other funds to drop? What does correct exactly mean? And does it always correct after a run up?
Sorry for all the questions but very curious and eager to understand and take charge of my retirement even though it seems so far away.
Thanks D and any other who feel like enlightening me.
Dennis,
My learing and understanding the market isnt coming along as fast I would like it to. I wish there was a class I could take. Reading this board is helping alittle but I end up basing my decisions off of respected members like your self. Right now all I know to do is just keep DCA. I'm basicly just pumping more money into the funds each pay period. I dont know when to pull my money out of a fund except when there seems to be a pull back. Looking at the share prices every thing seems high with potential to go higher. Should I take some profits? If so, where should I shift and when do I buy again? What should I do??
I would have just continued to ride along waiting for others to say there is going to be a pull back before moving my money.
So should I have my $$ going into a fund with a lower share price waiting for the other funds to drop? What does correct exactly mean? And does it always correct after a run up?
Sorry for all the questions but very curious and eager to understand and take charge of my retirement even though it seems so far away.
Thanks D and any other who feel like enlightening me.
Birchtree
TSP Talk Royalty
- Reaction score
- 143
Time is on your side
pill,
I'll relate an experience I encountered today from another board as an example of possibilities and probable mistakes. There is a TSP participant who has been dollar cost averaging into the C fund for 12 years, but has now decided to go into the I fund at 100%. Not my idea of a smart move - but he may end up correct. You take your chances with the available information you research. IMHO the C fund is primed to outperform the other funds over the next five years for many reasons. So theoretically his move was premature looking for excitement - boring is always best - and painful corrections are even better. You'll have plenty of time to learn how to deal with losses and also take advantage of lower pricing. Time can be the healer of many mistakes. Learn as much as you can and be patient - you'll be surprised how quickly you'll reach the power account level - then you'll be educated and prepared to make some real money. When you can purchase a position equating to 40,000 shares of a fund you can begin to use your imagination as tothe potential. Take care. With what I know at this moment I'd be 75% C fund and 25% I fund with the same contribution allocations - and I would not dump my funds during any give back or corrections - they will not be that deep.
Dennis
pill,
I'll relate an experience I encountered today from another board as an example of possibilities and probable mistakes. There is a TSP participant who has been dollar cost averaging into the C fund for 12 years, but has now decided to go into the I fund at 100%. Not my idea of a smart move - but he may end up correct. You take your chances with the available information you research. IMHO the C fund is primed to outperform the other funds over the next five years for many reasons. So theoretically his move was premature looking for excitement - boring is always best - and painful corrections are even better. You'll have plenty of time to learn how to deal with losses and also take advantage of lower pricing. Time can be the healer of many mistakes. Learn as much as you can and be patient - you'll be surprised how quickly you'll reach the power account level - then you'll be educated and prepared to make some real money. When you can purchase a position equating to 40,000 shares of a fund you can begin to use your imagination as tothe potential. Take care. With what I know at this moment I'd be 75% C fund and 25% I fund with the same contribution allocations - and I would not dump my funds during any give back or corrections - they will not be that deep.
Dennis
Last edited:
Pill
TSP Strategist
- Reaction score
- 5
Taking some off the I Fund
I fund seems to be getting alittle high for me not to take some off the top. Who knows what will continue. I would like to see keep growing but not going to stay to heavy in it. While c fund seems relatively low I am going to continue to dollar cost average and wait for this bull market I have only heard of but never been aboard because I just got started investing.
IFT cob 2/1 80 c and 20 i.
Good luck!
I fund seems to be getting alittle high for me not to take some off the top. Who knows what will continue. I would like to see keep growing but not going to stay to heavy in it. While c fund seems relatively low I am going to continue to dollar cost average and wait for this bull market I have only heard of but never been aboard because I just got started investing.
IFT cob 2/1 80 c and 20 i.
Good luck!
Pill
TSP Strategist
- Reaction score
- 5
Re: rdpillow account talk
Making an IFT going 70 C and 30 I.
I fund seems to be alittle high so I want to retain some profits, however the C fund seems to still be waiting to take off. So I am am moving 20% into the C fund. Come on little c fund engine. YOU CAN DO IT!
Can any one help me to understand the IFT. I just placed and IFT and it says it can take up to two days. Is that just for the website to update my moves. I understand that since I placed this tranfer over the weekend it would go into effect cob Monday, right? Please some one break down the IFT for me or refer me where I can find information on it. Thanks.
Making an IFT going 70 C and 30 I.
I fund seems to be alittle high so I want to retain some profits, however the C fund seems to still be waiting to take off. So I am am moving 20% into the C fund. Come on little c fund engine. YOU CAN DO IT!
Can any one help me to understand the IFT. I just placed and IFT and it says it can take up to two days. Is that just for the website to update my moves. I understand that since I placed this tranfer over the weekend it would go into effect cob Monday, right? Please some one break down the IFT for me or refer me where I can find information on it. Thanks.
ayla
TSP Analyst
- Reaction score
- 16
Re: rdpillow account talk
pill --
I'm certainly not an expert, but I can testify that with MY TSP account, if I make an IFT before noon (EST), my request goes into effect after COB the same day. Acutally, I usually get an email confirmation from TSP at or around 11:30pm or so EST. Sometimes I get an email confirmation earlier but definitely after 5:00pm EST and definitely the same day.
I have been known to submit an IFT on the weekend and the same rules apply just as if it was submitted prior to noon on Monday.
Make sure you keep your time changes correct when making your IFT, that COULD cause it to delay an extra day. I'm sure this is obvious to you (and doesn't really matter on weekends) but wanted to make sure I made the point clear. VERY IMPORTANT.
GOOD LUCK! I'm not sure what I'm going to do yet on Monday, may lay low for a while given that we are into April and tax season. This time has always been bad luck for me regarding my stocks.
pill --
I'm certainly not an expert, but I can testify that with MY TSP account, if I make an IFT before noon (EST), my request goes into effect after COB the same day. Acutally, I usually get an email confirmation from TSP at or around 11:30pm or so EST. Sometimes I get an email confirmation earlier but definitely after 5:00pm EST and definitely the same day.
I have been known to submit an IFT on the weekend and the same rules apply just as if it was submitted prior to noon on Monday.
Make sure you keep your time changes correct when making your IFT, that COULD cause it to delay an extra day. I'm sure this is obvious to you (and doesn't really matter on weekends) but wanted to make sure I made the point clear. VERY IMPORTANT.
GOOD LUCK! I'm not sure what I'm going to do yet on Monday, may lay low for a while given that we are into April and tax season. This time has always been bad luck for me regarding my stocks.
Chaser
Investor
- Reaction score
- 2
Re: Learning
Hi pill:
This site has helped me understand fundamentals and beyond:
http://www.incrediblecharts.com/site_map.htm
I'm just a beginner also.
Good luck,
Chaser
Hi pill:
This site has helped me understand fundamentals and beyond:
http://www.incrediblecharts.com/site_map.htm
I'm just a beginner also.
Good luck,
Chaser
Pill
TSP Strategist
- Reaction score
- 5
Re: rdpillow account talk
Thanks for the info, Ayla and Chaser.
Living on Guam can be hard to get the timing right. The market usually closes within the first hour of me waking up. I tried checking it in the middle of the night but decided against that quick. I am just starting out so I have plenty of time. I am staying bullish and seeking aggresive gains!
Good luck this month!
Thanks for the info, Ayla and Chaser.
Living on Guam can be hard to get the timing right. The market usually closes within the first hour of me waking up. I tried checking it in the middle of the night but decided against that quick. I am just starting out so I have plenty of time. I am staying bullish and seeking aggresive gains!
Good luck this month!
Pill
TSP Strategist
- Reaction score
- 5
Re: rdpillow account talk
Hope you don't mind the company Birchtree. IFT 4/30 100% C FUND!
I am learning I should start including my IRA investments (small, mid, large) with my TSP decisions to adjust my portfolio to maximize the gains! It's funny the more you learn the more you realize their is some much more to learn!
I believe things will be shifting over the course of the next 12 months small cap and large should be on the decline. Can any one reply with a simple break down of the stock funds C, S, I?
Thanks and good luck!
Hope you don't mind the company Birchtree. IFT 4/30 100% C FUND!
I am learning I should start including my IRA investments (small, mid, large) with my TSP decisions to adjust my portfolio to maximize the gains! It's funny the more you learn the more you realize their is some much more to learn!
I believe things will be shifting over the course of the next 12 months small cap and large should be on the decline. Can any one reply with a simple break down of the stock funds C, S, I?
Thanks and good luck!
Re: rdpillow account talk
I'm only learning...
You will find on the bottom of the screen your answer.
"C" fund is made up of the S&P 500
"S" fund is made up of the Wilshire 4500
"I" Fund is made up of the EAFE.
The TSP people then take these and change them up a little to try and increase the returns. So they may buy a few more of one stock and a little less of another. They use these as their guides.
I'm only learning...
You will find on the bottom of the screen your answer.
"C" fund is made up of the S&P 500
"S" fund is made up of the Wilshire 4500
"I" Fund is made up of the EAFE.
The TSP people then take these and change them up a little to try and increase the returns. So they may buy a few more of one stock and a little less of another. They use these as their guides.
Pill
TSP Strategist
- Reaction score
- 5
Re: rdpillow account talk
Boy, I sure wish I didn't pull out of the I fund. I got out at 20.30 and now its 20.95. I only had 30% but hey thats allot of money! Better to be on the safe side and lose out than to lose allot. Good on ya, for all those riding the I WAVE!
Boy, I sure wish I didn't pull out of the I fund. I got out at 20.30 and now its 20.95. I only had 30% but hey thats allot of money! Better to be on the safe side and lose out than to lose allot. Good on ya, for all those riding the I WAVE!
