ravensfan's Account Talk

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Here is the BEST FUND/WORST FUND as of COB 9 Jul, 2020.

[TABLE="class: grid, width: 500"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND
[/TD]
[TD="align: center"]F FUND
[/TD]
[TD="align: center"]C FUND
[/TD]
[TD="align: center"]S FUND
[/TD]
[TD="align: center"]I FUND
[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL
[/TD]
[TD="align: center"]0.03%
[/TD]
[TD="align: center"]1.03%
[/TD]
[TD="align: center"]1.46%
[/TD]
[TD="align: center"]1.20%
[/TD]
[TD="align: center"]-0.01%
[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL
[/TD]
[TD="align: center"]0.14%
[/TD]
[TD="align: center"]2.41%
[/TD]
[TD="align: center"]11.48%
[/TD]
[TD="align: center"]20.48%
[/TD]
[TD="align: center"]11.74%
[/TD]
[/TR]
[/TABLE]
Have a great evening! :cool:
 
So I had an opportunity to check out all the changes to the TSP website. I can't say I'm impressed. The new layout seems to be skewed toward the L funds.

The bulk of investors are invested in the individual funds. I guess some genius figured the reason was "We're not promoting the L funds correctly".:02:

Instead of wasting time on that, why don't they figure a way to give us 4 IFT's per month instead of the current 2. :soapbox:
 
I still don't understand the reasoning for limiting IFTs - transaction costs will be incurred each day that they reapportion, whether we move our funds or not right?
 
flalaw97 said:
I still don't understand the reasoning for limiting IFTs - transaction costs will be incurred each day that they reapportion, whether we move our funds or not right?
Click to expand...

I think Tom explains it pretty well in his commentary of 7/14/20, "The TSP doesn't really appreciate those of us who move our money around, and with some odds stacked against us like the deadlines, you can perhaps understand why they'd discourage us from trying."

I couldn't have said it any better.
 
I still don't get it, though. Isn't it just a bunch of machines involved? When I move from the G to S or S to C, is there a single human action involved, other than myself logging in and requesting it? All I can see is that it might delay they're reporting functions as all of the transactions process, but couldn't that strain be alleviated by doing away with the deadline/cut-off hour of noon?

I feel like the resistance to give us more trades and remove the limitations is that they don't want to see a lot of government employees sitting around during the workday studying their balances and planning financial moves instead of working. I admit, that I'd be guilty of that if given the opportunity :embarrest:
 
When the limits were put in place, word was there were folks moving hundreds of thousands of dollars almost on a daily basis; this put a tremendous burden on placing those trades (there is some connection to the market and financial vehicles for the TSP funds). Still, to go to the draconian level of trades we are at is way overkill. As for watching the market, I think it comes with the territory when made a significant element of our retirement programs.
 
Back in the day, there were a handful of people on few the public computers at work that would move their money on a daily basis many times. These were the kind of folks that got the limits put in place. I would gladly pay $50-$100 per move above the limit when we are talking about moving hundreds of thousands of dollars. With automation this should be easy.
 
The TSP really wants everybody in the L funds, and ironically, the L funds rebalance EVERY DAY so in effect they make an IFT daily. :notrust:
 
Whipsaw said:
When the limits were put in place, word was there were folks moving hundreds of thousands of dollars almost on a daily basis; this put a tremendous burden on placing those trades (there is some connection to the market and financial vehicles for the TSP funds). Still, to go to the draconian level of trades we are at is way overkill. As for watching the market, I think it comes with the territory when made a significant element of our retirement programs.
Click to expand...

There was a short period of time (about 2 weeks) where a bunch of us were moving a fair amount of money in and out of the "I" fund. It was soon after that when the hammer came down and the threats started coming from the FRTIB to cease and desist. Then our IFT's went from daily to twice a month. The excuse was transfer fees were too high. The rumor at the time was the accounting firm managing our accounts barely had enough money to cover the transfers back and forth and complained to the FRTIB. Was the company Blackrock, or something like that? Some of the old timers and can pitch in. I could be wrong but that's how I remember it. Of course that's not saying much. :laugh:
 
Yes, that's what they told us. The FRTIB claimed the low operating costs of the funds were being undermined by the frequent moves so they limited it to two a month. Seems unnecessary now. I feel it's the government's way of telling you how to manage your own money. They also produce propaganda trying to convince you to leave your money in the TSP when you retire. What they don't tell you is they use the G fund money to show a more "balanced" balance sheet. There are also proposals out there to cut the return of the G Fund relative to what it actually earns in order to balance the budget. Charge us a fee to do more than two moves. I guarantee people will be glad to pay it.
 
tsptalk said:
ironically, the L funds rebalance EVERY DAY so in effect they make an IFT daily. :notrust:
Click to expand...

THIS was my point. Who cares how many individuals want to move their money from one place to another, all of the L funds have to rebalance every day even if no one makes an IFT at all so it is totally dependent on their mix at the end of the day. And now that they have twice as many L funds...
 
Great conversation everyone. It is nice to see we can still hold an intelligent conversation without the (P) word rearing its ugly head.

Rangerray I hope this cleared some things up for you. :D
 
Here is the BEST FUND/WORST FUND as of COB 7/14/2020.

[TABLE="class: grid, width: 500, align: left"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND
[/TD]
[TD="align: center"]F FUND
[/TD]
[TD="align: center"]C FUND
[/TD]
[TD="align: center"]S FUND
[/TD]
[TD="align: center"]I FUND
[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL
[/TD]
[TD="align: center"]0.03%
[/TD]
[TD="align: center"]0.91%
[/TD]
[TD="align: center"]2.75%
[/TD]
[TD="align: center"]1.68%
[/TD]
[TD="align: center"]2.33%
[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL
[/TD]
[TD="align: center"]0.14%
[/TD]
[TD="align: center"]2.03%
[/TD]
[TD="align: center"]11.87%
[/TD]
[TD="align: center"]20.78%
[/TD]
[TD="align: center"]14.05%
[/TD]
[/TR]
[/TABLE]





Have a great evening. :D
 
ravensfan said:
Great conversation everyone. It is nice to see we can still hold an intelligent conversation without the (P) word rearing its ugly head.

Rangerray I hope this cleared some things up for you. :D
Click to expand...


It did shed some light on many aspects, but still, I wonder how much of the process of moving our money between funds actually involves real people, and thereby, an administrative cost in time or money. I can't believe there's a team of people out there that personally have to get involved to a large degree every time I move my shares. In this day and age of computers, I'd think machines are doing most of the grunt work. It's not like I'm asking the TSP to do analysis for me.

Then again, I know very little about what goes on after I initiate a move at the TSP website. I know, right now, I can move my shares around at e-Trade and it's pretty much immediate on my end. My trades there would just about have to be handled by a bunch of computers talking to each other because it happens so dang fast.
 
Here is the BEST FUND/WORST FUND as of COB 7/15/2020.

[TABLE="class: grid, width: 500, align: left"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND
[/TD]
[TD="align: center"]F FUND
[/TD]
[TD="align: center"]C FUND
[/TD]
[TD="align: center"]S FUND
[/TD]
[TD="align: center"]I FUND
[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL
[/TD]
[TD="align: center"]0.03%
[/TD]
[TD="align: center"]0.95%
[/TD]
[TD="align: center"]3.23%
[/TD]
[TD="align: center"]4.11%
[/TD]
[TD="align: center"]1.98%
[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL
[/TD]
[TD="align: center"]0.13%
[/TD]
[TD="align: center"]1.96%
[/TD]
[TD="align: center"]14.58%
[/TD]
[TD="align: center"]24.70%
[/TD]
[TD="align: center"]16.53%
[/TD]
[/TR]
[/TABLE]





Have a great evening. :D:D:D
 
Here is the BEST FUND/WORST FUND as of COB 20Jul20.

[TABLE="class: grid, width: 500, align: left"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND
[/TD]
[TD="align: center"]F FUND
[/TD]
[TD="align: center"]C FUND
[/TD]
[TD="align: center"]S FUND
[/TD]
[TD="align: center"]I FUND
[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL
[/TD]
[TD="align: center"]0.04%
[/TD]
[TD="align: center"]0.88%
[/TD]
[TD="align: center"]7.92%
[/TD]
[TD="align: center"]8.77%
[/TD]
[TD="align: center"]4.74%
[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL
[/TD]
[TD="align: center"]0.13%
[/TD]
[TD="align: center"]1.99%
[/TD]
[TD="align: center"]16.19%
[/TD]
[TD="align: center"]25.85%
[/TD]
[TD="align: center"]17.15%
[/TD]
[/TR]
[/TABLE]





Have a great evening! :rolleyes:
 
Here is the BEST FUND/WORST FUND as of COB 7/22/2020.

[TABLE="class: grid, width: 500, align: left"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND[/TD]
[TD="align: center"]F FUND[/TD]
[TD="align: center"]C FUND[/TD]
[TD="align: center"]S FUND[/TD]
[TD="align: center"]I FUND[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL[/TD]
[TD="align: center"]0.03%[/TD]
[TD="align: center"]1.13%[/TD]
[TD="align: center"]5.64%[/TD]
[TD="align: center"]6.04%[/TD]
[TD="align: center"]5.23%[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL[/TD]
[TD="align: center"]0.12%[/TD]
[TD="align: center"]2.50%[/TD]
[TD="align: center"]14.07%[/TD]
[TD="align: center"]21.46%[/TD]
[TD="align: center"]15.76%[/TD]
[/TR]
[/TABLE]


Have a great evening! :D:D:D
 
Here is the BEST FUND/WORST FUND as of COB 7/27/20.

[TABLE="class: grid, width: 500, align: left"]
[TR]
[TD][/TD]
[TD="align: center"]G FUND
[/TD]
[TD="align: center"]F FUND
[/TD]
[TD="align: center"]C FUND
[/TD]
[TD="align: center"]S FUND
[/TD]
[TD="align: center"]I FUND
[/TD]
[/TR]
[TR]
[TD]15 DAY TOTAL
[/TD]
[TD="align: center"]0.03%
[/TD]
[TD="align: center"]0.94%
[/TD]
[TD="align: center"]1.97%
[/TD]
[TD="align: center"]3.43%
[/TD]
[TD="align: center"]2.12%
[/TD]
[/TR]
[TR]
[TD]60 DAY TOTAL
[/TD]
[TD="align: center"]0.13%
[/TD]
[TD="align: center"]2.23%
[/TD]
[TD="align: center"]11.75%
[/TD]
[TD="align: center"]18.77%
[/TD]
[TD="align: center"]13.75%
[/TD]
[/TR]
[/TABLE]

Have a great evening!:banana:
 
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