ravensfan's Account Talk

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Best Fund, Worst Fund as of COB 25 Aug 15.

[TABLE="class: cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table, width: 549"]
[TR]
[TD][/TD]
[TD]G Fund[/TD]
[TD]F Fund[/TD]
[TD]C Fund[/TD]
[TD]S Fund[/TD]
[TD]I Fund[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL[/TD]
[TD]0.18%[/TD]
[TD]0.44%[/TD]
[TD] -11.01%[/TD]
[TD] -10.25%[/TD]
[TD]-9.26%[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL[/TD]
[TD]0.72%[/TD]
[TD]0.25%[/TD]
[TD]-11.50%[/TD]
[TD]-11.66%[/TD]
[TD]-9.59%[/TD]
[/TR]
[/TABLE]



Good luck in your investments and have a good evening!!! :D :D :D

On a personal note, I bailed to the G Fund today and got burned by the IFT cutoff of 12:00 noon. When I submitted the IFT, the C Fund was up over 2%. At the time, I thought I could reduce my losses for this month and live to fight another day. Imagine my surprise when I checked in after the markets closed only to find the C Fund lost another 1.35%. I really must question the wisdom of requiring federal/military employees to submit an IFT by 12:00 noon while the rest of the world gets to wait until the closing bell. With the TSP being so much a part of our retirement, it just doesn't seem fair...Of course, who ever said our government would do what's fair.:blink:
 
ravensfan said:
Best Fund, Worst Fund as of COB 25 Aug 15.

[TABLE="class: cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table, width: 549"]
[TR]
[TD][/TD]
[TD]G Fund[/TD]
[TD]F Fund[/TD]
[TD]C Fund[/TD]
[TD]S Fund[/TD]
[TD]I Fund[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL[/TD]
[TD]0.18%[/TD]
[TD]0.44%[/TD]
[TD] -11.01%[/TD]
[TD] -10.25%[/TD]
[TD]-9.26%[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL[/TD]
[TD]0.72%[/TD]
[TD]0.25%[/TD]
[TD]-11.50%[/TD]
[TD]-11.66%[/TD]
[TD]-9.59%[/TD]
[/TR]
[/TABLE]



Good luck in your investments and have a good evening!!! :D :D :D

On a personal note, I bailed to the G Fund today and got burned by the IFT cutoff of 12:00 noon. When I submitted the IFT, the C Fund was up over 2%. At the time, I thought I could reduce my losses for this month and live to fight another day. Imagine my surprise when I checked in after the markets closed only to find the C Fund lost another 1.35%. I really must question the wisdom of requiring federal/military employees to submit an IFT by 12:00 noon while the rest of the world gets to wait until the closing bell. With the TSP being so much a part of our retirement, it just doesn't seem fair...Of course, who ever said our government would do what's fair.:blink:
Click to expand...

RF, its certainly a huge disadvantage, especially when we've all seen the market change direction at 12:01. The question here is whether you would have gotten out anyway... most think lower lows are on the way for the next several weeks. Crazy times these are.
 
Whipsaw said:
RF, its certainly a huge disadvantage, especially when we've all seen the market change direction at 12:01. The question here is whether you would have gotten out anyway... most think lower lows are on the way for the next several weeks. Crazy times these are.
Click to expand...

And there's the rub. If the markets continue down, I'll be happy I got out when I did. If they head up, it just reinforces the point.

On a happy note, congratulations to you!!! (I mean that sincerely) I saw this morning you were 6th on the Auto Tracker. That's just awesome. You are the one arker who is kicking it this year. I'm rooting for you buddy!!! ~:banana:
 
ravensfan said:
And there's the rub. If the markets continue down, I'll be happy I got out when I did. If they head up, it just reinforces the point.

On a happy note, congratulations to you!!! (I mean that sincerely) I saw this morning you were 6th on the Auto Tracker. That's just awesome. You are the one arker who is kicking it this year. I'm rooting for you buddy!!! ~:banana:
Click to expand...
Thanks! I appreciate that, certainly have been fortunate these past few months. Now to figure out what to do next... I don't want to make a short play for consolidation movements and get shut out for an entire month and miss the big run up. Thinking of DCA-ing into the market, moving in with ~40% this week, and then over the next month a couple more moves in and sitting on that for quite a while with some rebalancing... thoughts?
 
I wrote NARFE a letter about a month ago asking them to act on behalf of all feds in the TSP and focus on getting policy changes to increase the number of IFTs and the timing of the IFT. They send me a lot of stuff so I'm surprised that I haven't even gotten a "we're too busy" response from them. I'll go in and resubmit the request. It seems to me that the labor union and NARFE are the right places to fight to get the policy changed. The TSP Board simply doesn't do enough to support feds in the TSP. The system is antiquated and doesn't meet the needs of folks trying to growth their retirement next egg.

FS
 
FogSailing said:
I wrote NARFE a letter about a month ago asking them to act on behalf of all feds in the TSP and focus on getting policy changes to increase the number of IFTs and the timing of the IFT. They send me a lot of stuff so I'm surprised that I haven't even gotten a "we're too busy" response from them. I'll go in and resubmit the request. It seems to me that the labor union and NARFE are the right places to fight to get the policy changed. The TSP Board simply doesn't do enough to support feds in the TSP. The system is antiquated and doesn't meet the needs of folks trying to growth their retirement next egg.

FS
Click to expand...

Bravo. :smile:

I think it would take a concerted effort to fix this. There must be leadership. The workers would have to first be educated and brought onboard. Afterwards, it would get more political. Pressure should start at the grassroots level...first applying local pressure, towards union leaders, for example. Then that combined pressure would be directed towards one or more relevant politicians at the national level. You can't fire those running the TSP; so you have to vote folks out of office that refuse to bring about the change that the people want.

What would you do with a letter someone wrote you asking you to voluntarily increase your workload...exactly.:smile:
 
Agreed Q. While the changes are policy changes ...the resources to implement them are budget driven and require a political action.

Sent from my SCH-I545 using Tapatalk
 
Whipsaw said:
Thanks! I appreciate that, certainly have been fortunate these past few months. Now to figure out what to do next... I don't want to make a short play for consolidation movements and get shut out for an entire month and miss the big run up. Thinking of DCA-ing into the market, moving in with ~40% this week, and then over the next month a couple more moves in and sitting on that for quite a while with some rebalancing... thoughts?
Click to expand...

That sounds like a good plan. I think in these volatile times it is best to proceed with caution. Keep in mind though that September is the worst performing month for stocks and with the threat of an interest rate hike, not that I think it will happen anytime soon, but that never stopped the rumor from negatively affecting the markets and let's not forget about Puerto Rico and it's monetary troubles. With that said, I think a slow build to the Santa Claus Rally is smart strategy and may just get you that coveted #1 spot on the Auto Tracker.

Good Luck!
Raven Out
 
Best Fund, Worst Fund as of COB 26 Aug 15.

[TABLE="class: cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table, width: 549"]
[TR]
[TD][/TD]
[TD]G Fund[/TD]
[TD]F Fund[/TD]
[TD]C Fund[/TD]
[TD]S Fund[/TD]
[TD]I Fund[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL[/TD]
[TD]0.18%[/TD]
[TD]0.23%[/TD]
[TD] -7.45%[/TD]
[TD] -8.04%[/TD]
[TD]-8.47%[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL[/TD]
[TD]0.72%[/TD]
[TD]0.41%[/TD]
[TD]-7.49%[/TD]
[TD]-9.23%[/TD]
[TD]-9.36%[/TD]
[/TR]
[/TABLE]


Good luck in your investments and have a good evening!!! :D :D :D
 
dude, why did you bail and lock in the loss? at absolutely the worst time? was it for the same reason i jumped in too early and got smacked for -6%? just too much to resist?

folks mention 'pain points' in markets like this, meaning "that's enough", but did you also know there are 'pleasure points' meaning "i can't get enough"?

the trick is knowing the difference. and it has something to do with allocation, time horizon, and risk tolerance. i am still trying to figure those things out.

but it is just as equally clear to me that i should've jumped in monday not friday, as it is to you that you should've got out today not yesterday. this is the only part of the market that i can see or hope to understand, that money play between pleasure and pain and tolerance. all that chart stuff and quants and waves makes me fall asleep and drool.
 
Last edited:
Well said Burro! One of the toughest decisions we have in TSP (complicated by problems with timing and IFT's, and especially when we are losing money and the markets are down) is whether to hang in there or jump out. It would be great if we had a TSP Ombudsmen (all knowing and altruistic and great with charts of course) who we could converse with (for free) for counsel in those dark moments where either we don't know what to do, or we know what we should do, but the fear\pain is leading us in a different direction. Let me know if there is anybody on the forum like that....well Birchtree maybe :D
 
burrocrat said:
dude, why did you bail and lock in the loss? at absolutely the worst time? was it for the same reason i jumped in too early and got smacked for -6%? just too much to resist?

folks mention 'pain points' in markets like this, meaning "that's enough", but did you also know there are 'pleasure points' meaning "i can't get enough"?

the trick is knowing the difference. and it has something to do with allocation, time horizon, and risk tolerance. i am still trying to figure those things out.

but it is just as equally clear to me that i should've jumped in monday not friday, as it is to you that you should've got out today not yesterday. this is the only part of the market that i can see or hope to understand, that money play between pleasure and pain and tolerance. all that chart stuff and quants and waves makes me fall asleep and drool.
Click to expand...

At the time I submitted the IFT, I thought it was a smart move considering the S&P was up 40 points at the time. Who could have predicted at the close, it would be 25 points down.

My thoughts were to stop the bleeding and exit on an up day, (blew that one didn't I) and wait for the next spiral down that the pundits keep talking about and ride the next wave up. If I have learned nothing else since joining this site is that I have quite the knack for being on the sidelines when the market is going up and being heavily invested when they are going down.

I think sometimes I rely to heavily on Tom's Seasonality Charts to make moves and not enough on my own. You would think by now I would have learned the lesson that past performance does not guarantee future success. Then on the other hand, sometimes I think I would be better off to track some of the top performers on the Auto Tracker and match their moves.

The goal now is to finish the year strong. Not an easy task, considering I am now -4.62% for the year, but the sweet part of the year is still ahead of us, so with a little luck, I can do it.
 
FogSailing said:
Well said Burro! One of the toughest decisions we have in TSP (complicated by problems with timing and IFT's, and especially when we are losing money and the markets are down) is whether to hang in there or jump out. It would be great if we had a TSP Ombudsmen (all knowing and altruistic and great with charts of course) who we could converse with (for free) for counsel in those dark moments where either we don't know what to do, or we know what we should do, but the fear\pain is leading us in a different direction. Let me know if there is anybody on the forum like that....well Birchtree maybe :D
Click to expand...

I hear you man. I keep telling myself to hang in there, that the market will bounce back eventually, then I start looking at the losses and I have flashbacks to 2008, hit the panic button and bail. The funny thing is that back then I didn't pay much attention to my TSP account and through dumb luck, made up all the losses and then some by 2010, all by standing pat and doing nothing. Go figure.

It would be nice to find a person who could guide us in these turbulent times. JTH used to do that, but he kinda stopped posting back in May. There was another guy (can't remember his name) who used to have a color system, combinations of reds and greens in 8 different configurations, but it was to confusing and he eventually disappeared. I've been following FireWeatherMet's Account Talk lately. He makes a lot of sense and you can't argue with his returns this year.

Perhaps one day, someone will step forward to lead the masses. In the mean time we'll have to do the best we can with what we have to work with...

And before someone says "Why don't you try one of the premium sites?" Well I did that for a whole year. I won't mention any names, but his system suddenly stopped working when I got in. It took about 6 months but he finally got it fixed , but by then, I had lost confidence and bailed when my subscription expired. Some people swore he was the greatest thing to ever issue a buy signal, but he just didn't do it for me...
 
ravensfan said:
Sorry Burro! I did not mean to offend you. Obviously I did and for that I am truly sorry. And like Fogsailing said, "We Love You Man"!!!
Click to expand...

i forgot to use the sarcasm font, was just playing with ya about that part. quite frankly i doubt you could offend me, even if you took your top off and danced on the table and puked margarita and pretzels all over my lap. i would just offer you a ride home...

no problems here.
 
Best Fund, Worst Fund as of COB 27 Aug 15.

[TABLE="class: cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table_cms_table, width: 549"]
[TR]
[TD][/TD]
[TD]G Fund[/TD]
[TD]F Fund[/TD]
[TD]C Fund[/TD]
[TD]S Fund[/TD]
[TD]I Fund[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL[/TD]
[TD]0.18%[/TD]
[TD]0.19%[/TD]
[TD] -4.26%[/TD]
[TD] -4.52%[/TD]
[TD]-6.67%[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL[/TD]
[TD]0.72%[/TD]
[TD]0.94%[/TD]
[TD]-5.28%[/TD]
[TD]-7.49%[/TD]
[TD]-8.42%[/TD]
[/TR]
[/TABLE]


Good luck in your investments and have a good evening!!! :D :D :D
 
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