rangerray's Account Talk

[rangerray]

IFT this morning to 100% I based on the news. Hope I haven't goofed up!! I am NOT a buiness person.

 

[nnuut]

Welcome RR you never know which way she will go.
Best of luck
Norman

 

[nasa1974]

rangerray, welcome to the zoo.

 

[Birchtree]

Welcome - see if you can hold that I fund until $22.10 for the score.

 

[rangerray]

Thanks for the welcome! Just waiting and watching now.

 

[rangerray]

So, with making my IFT just moments ago, that means it won't actually go into effect until tonight? I'm I understanding this right? Also. for anyone that cares enough to give me some insight, can we use the autotracker to sort of gauge what everyone else on the forum is doing? I see that premium members have their information hidden. How do we know whether or not by looking at the autotracker member standings and know if the leaders are premium members? If, say, I wanted to do like the leaders are doing, then it would seem the member standing info might be a little misleading, as there wouldn't be any way to know whether the leaders current IFT info is current or not (due to their info being hidden if they are premium members). I'm just damn confused, but I assume the purpose of being here is trying to gain an edge based on group knowledge.

 

[FishSqueezer]

Ranger, stretching out my newbie legs here, but from the TSP website re: Interfund Transfers:

IFTs made on this website or the ThriftLine before 12 noon Eastern time are generally processed as of that business day. Requests made after 12 noon Eastern time are generally processed the next business day.

My understanding of "as of that business day" is after COB Eastern. I've received a confirmation email on IFTs at about 6:30 pm Central.

Hope this helps.

 

[RealMoneyIssues]

So, with making my IFT just moments ago, that means it won't actually go into effect until tonight? I'm I understanding this right?

FishSqueezer covered this above. The only thing I might add is that if you decide you don't like your IFT, you can cancel before 1200 EST if you want. The Autotracker deadline is 1210...
More info:
http://www.tsptalk.com/mb/showthread.php?7766-AutoTracker-Rules-and-how-to-get-started

Also. for anyone that cares enough to give me some insight, can we use the autotracker to sort of gauge what everyone else on the forum is doing? I see that premium members have their information hidden. How do we know whether or not by looking at the autotracker member standings and know if the leaders are premium members? If, say, I wanted to do like the leaders are doing, then it would seem the member standing info might be a little misleading, as there wouldn't be any way to know whether the leaders current IFT info is current or not (due to their info being hidden if they are premium members). I'm just damn confused, but I assume the purpose of being here is trying to gain an edge based on group knowledge.

Simply, yes you can... As you noticed, premium subscribers last 2 IFTs do not show so that you cannot follow them and get the benefit of the premium service without paying.

I follow a few people who I have found that make timely moves. Keep an eye on the autotracker and you will find them too.

Astute observation!

Good luck.

 

[nasa1974]

So, with making my IFT just moments ago, that means it won't actually go into effect until tonight? I'm I understanding this right? You are correct. Your IFT will take affect this evening after the market closes. You have until noon today to change you mind. An IFT made before noon today will take affect this evening, an IFT after noon will take affect tomorrow evening.

Also. for anyone that cares enough to give me some insight, can we use the autotracker to sort of gauge what everyone else on the forum is doing? I see that premium members have their information hidden. How do we know whether or not by looking at the autotracker member standings and know if the leaders are premium members? If, say, I wanted to do like the leaders are doing, then it would seem the member standing info might be a little misleading, as there wouldn't be any way to know whether the leaders current IFT info is current or not (due to their info being hidden if they are premium members). Premium Members pay for the services and it would not be fair for them to show that information to us for free. I'm just damn confused, but I assume the purpose of being here is trying to gain an edge based on group knowledge.

The Tracker is a way to see how other members are doing. On January 1st everyone starts with 0% (on this day everyone is ranked alphabetically) and with same amount of money. You then move up and down the Tracker depending on the market and your distribution in the different funds. Most members use the Tracker to show their real IFT's for the month.
Hope this answers most of your questions.

 

[Frixxxx]

Welcome rangerray!

Your inquisitiveness will get you everywhere!

Good Luck!

 

[rangerray]

OK. I've been sitting in the C Fund and have ridden the coaster all the way down. I know it would be silly to move to G Fund and "lock in the losses," but what if I were to move all from C Fund to S Fund at this point? Is that considered a no-no as well?

 

[nasa1974]

OK. I've been sitting in the C Fund and have ridden the coaster all the way down. I know it would be silly to move to G Fund and "lock in the losses," but what if I were to move all from C Fund to S Fund at this point? Is that considered a no-no as well?

So moving from the C fund to the S fund will give you less shares even though the dollar value will stay the same. But if the market starts to move up for both the C and S funds and then you decide to move back to the C fund you will end of with less shares with that move than if you just stayed in the C fund. Your growth percentage would stay the same but with less shares your total fund will grow slower. 5% on 1000 shares will be less than 5% on 1200 shares as an example.

Not suggesting anything but just giving you an example.

Good luck. I've been 100% S fund since March and I'm getting my butt kicked. ;swear

 

[userque]

So moving from the C fund to the S fund will give you less shares even though the dollar value will stay the same. But if the market starts to move up for both the C and S funds and then you decide to move back to the C fund you will end of with less shares with that move than if you just stayed in the C fund. Your growth percentage would stay the same but with less shares your total fund will grow slower. 5% on 1000 shares will be less than 5% on 1200 shares as an example.

Not suggesting anything but just giving you an example.

Good luck. I've been in the 100% S fund since March and I'm getting my butt kicked. ;swear

Hey nasa, that's not quite correct.

When an assets price per share moves 5%, everyone's portfolio value moves 5%, regardless the number of shares. This principle is why the AutoTracker can track a portfolio even though it doesn't track the number of shares per portfolio.

For further example:

10 shares vs. 100 shares of the same asset valued at $100 per share. Suppose the asset moves 5% to $105.

10 shares were worth $1000, and are now worth $1050. A 5% increase.

Vs:

100 shares were worth $10,000, and are now worth $10,500. A 5% increase.

 

[rangerray]

So what I'm hearing is that I'm not going to lose money. It's more of a matter of which fund I think is going to do better.

 

[OBGibby]

So what I'm hearing is that I'm not going to lose money...

Got room for one more on this gravy train?

 

[rangerray]

It may change today, but I'm doing pretty good this month with a 3.72% return. Currently I'm at 100% I Fund.

 

[rangerray]

Though, I'm glad to see the highs, I don't trust them and I'm too close to the end to lose a lot of money (again). Cutting back to 50% S, 50% G.

 

[rangerray]

I hate to get out of the S Fund today and lock in a multi-day loss, but I'd planned to go into the G-Fund until the first week of February anyway. Besides, my brother-in-law, who knows much more than me, just called and said "move to safety." Who knows? I think there's a tendency for critics to believe that a large majority in the market have become complacent, but my thought is that most are just riding the wave and have an itchy finger on the exit button. We may indeed see a mass exit real soon.

 

[rangerray]

I'm glad I'm in the F Fund again today. I think dip buyers have waded back in a little too early.

 

[rangerray]

I don't think there's going to be a huge rally worth buying into in the next few days, so ​

I'm reluctant to leave the F Fund. I'm enjoying a quarter of a percent here and there. Futures don't appear to be very strong as I'm writing this, considering the massive dump we've all witnessed.