Should I Move?

[Monique]

imported post

Any advice on me moving some of my G into C, S or I at this time? I have 23- G,

55-C, 14-S, 7-I. THANKS!

 

[rokid]

imported post

Monique,

If you are buy and hold investor with a lengthy time horizon, e.g. 30 years,the"rule of thumb" is 10-20% bonds and the rest in stocks.I just purchased a Vanguard 2045 fund for myrecent college gradand it allocates 10% to bonds, 90% to stocks. On the other hand, if you're getting ready to retire, 40-50% bonds (or more) is a frequent recommendation.

On thestock side, many experts recommend 25-33%foreign (I Fund). Finally, for domestic stocks, the recommendation is often 60% large caps (C Fund) and 40% small cap (S Fund).

For example, a fairlyaggessive buy and hold portfolio might look as follows:10% G Fund, 10% F Fund, 36% C Fund, 24% S Fund, and 20% I Fund

If your question is really, will stocks go up in the short term, e.g. between now and the end of the year - I don't have a clue - andneither does anyone else!

 

[tsptalk]

imported post

Monique wrote:

Any advice on me moving some of my G into C, S or I at this time? I have 23- G,

55-C, 14-S, 7-I. THANKS!

You're one of the smart ones who wasn't fully invested in stocks for the last month and a half and you want our advice? I should be asking you!

 

[Mike]

imported post

The market is oversold, so long-term, it's a good time to buy.

Be very cautious about the short-term though. Some of us have been taking a severe beating for the last month. :shock:

 

[smine]

imported post

Moving to I??

 

[tsptalk]

imported post

The dollar seemed mixed today, up vs. the pound, down against the euro. Waiting.

 

[Monique]

imported post

What my question really is...should I put more into C from my G with the C fund being down. I have been watching :shock:these message boards for the last few months and when it comes to making a move I get a little nervous. I guess you could say I am not much of a gambler! Long term would most likely would be the path I would take.

 

[Rod]

imported post

If you're in for the long term, you're not going to make much sitting on the sidelines in "G".

Bear in mind, the C fund is only downfor the short term. It's going to have a very attractive gain for tomorrow. Then WHO KNOWS what it will do???

Also keep in mind "dollar cost averaging". Yeah, you will have your ups and downs, but you should make out ahead in the long run.

Anyways, what ISyour long term???

How many years are we talking???

 

[tsptalk]

imported post

Monique wrote:

What my question really is...should I put more into C from my G with the C fund being down. I have been watching :shock:these message boards for the last few months and when it comes to making a move I get a little nervous. I guess you could say I am not much of a gambler! Long term would most likely would be the path I would take.

My advice, for what it's worth, would be to add to the C and S funds on any weakness over the next few weeks.

Tom

 

[Rolo]

imported post

Monique wrote:

I guess you could say I am not much of a gambler!

Nor should you be.

I concur with Tom...add over the next few weeks or more....this is likely a temporary weakness, but watch out for bears.

 

[Monique]

imported post

Thanks guys..will do!

 

[gunner]

imported post

Been in C, S and I, for about 18 months. Lately taking a beating while contributing more $$$.

On 8/6 I began using "100 day moving averages". In last 5trading days I lost $0. I am 35% G and 65% F. With equal amounts in C, S, and I, I would have lost about .35%; a lot for five days.

TheI fund looks to bethe worst. For now this aggressive investor, willpreserve capital. Probably for a good long while. I will check the moving averages every three or four days. looking for something positive.

 

[tsptalk]

imported post

gunner wrote:

looking for something positive.

When you find something, let me know. I'm running out of ways to get people excited about the next bull run.

 

[carrier31]

Moving your money

All these people who cower in one fund when they see a bad day are missing out. In Nov., I was in the C and S fund making money while others were hiding in the G fund. This year I was majority I and S fund and minority C fund and both S and I made over 6%. Read business, keep diversified and don't be afraid to move your money on gut instinct In one year have gone from 35,000.00 to 60,000.00. Don't be afraid.

 

[Birchtree]

Double mint it

Carrier31,

You are absolutely right - you have to be in to win.

Wish I could double my balance - I'd be a happy camper. Good luck and keep the pressure on the G fund choir folks.

Dennis

 

[Rod]

All these people who cower in one fund when they see a bad day are missing out. In Nov., I was in the C and S fund making money while others were hiding in the G fund. This year I was majority I and S fund and minority C fund and both S and I made over 6%. Read business, keep diversified and don't be afraid to move your money on gut instinct In one year have gone from 35,000.00 to 60,000.00. Don't be afraid.

I couldn't agree with you more!

We won't win them all, but we won't win any if we continue to "live in fear".

God Bless

 

[Spaf]

Short Term

The Kingdom of TSP​

Short Term Strategy​

As of 02-21-06 the market is playing in a trading range. The strategy should be to pick a fund thats advancing. The only fund that is advancing with out considerable risk is the G-Fund.

So, how does one play a trading range. Not easy! But, if one went over to www.stockcharts.com and looked up the S&P500 [$SPX] and in the indicator window asked for the MACD Histogram, there is a trend of sorts. Sell on the 1st drop and buy on the first up-tick, or something like that. It might be better to try some paper trades first.

Really, trading within a range bound stock is not easy. Better to take a safer strategy, or find a fund that isn't stuck in the range.

I only post this to show the difficulty of playing range bound stocks.

It's really better to watch the Olympics and put another log on the fire.

Rgds, and be careful! Spaf

 

[8_percent]

Re: imported post

Monique,

If you are buy and hold investor with a lengthy time horizon, e.g. 30 years,the"rule of thumb" is 10-20% bonds and the rest in stocks.I just purchased a Vanguard 2045 fund for myrecent college gradand it allocates 10% to bonds, 90% to stocks. On the other hand, if you're getting ready to retire, 40-50% bonds (or more) is a frequent recommendation.

On thestock side, many experts recommend 25-33%foreign (I Fund). Finally, for domestic stocks, the recommendation is often 60% large caps (C Fund) and 40% small cap (S Fund).

For example, a fairlyaggessive buy and hold portfolio might look as follows:10% G Fund, 10% F Fund, 36% C Fund, 24% S Fund, and 20% I Fund

If your question is really, will stocks go up in the short term, e.g. between now and the end of the year - I don't have a clue - andneither does anyone else!

This is an interesting old thread I pulled up. Over the next year, I may fall into the category of buy and hold contributor due to limited computer use. Maybe I'm ignorant, but not much of a fan of placing all eggs in one basket, unless in G fund. So, would it be wise to use the above highlighted portfolio? Or, move everything in the G fund and try to preserve capital? I'm willing to take some risk but not much, especially with limited IFTs per month. Your thoughts and advice.

 

[KevinD]

TSPTalk.com "Friends Don't Let Friends Buy and Hold"

This post by XL-entLady helped me a lot. It's an article by Jason Kelly.

http://www.tsptalk.com/mb/showpost.php?p=189165&postcount=4

Your mileage may vary...

 

[8_percent]

That's a great article and something to think about before making decisions.