Squalebear's Account Talk

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Okay, my allocations the other day were:

88%(G)
4%(C)
4%(S)
4%(I)

Today, I see:

88.71%(G)
3.79%(C)
3.71%(S)
3.79%(I)

Now, how would the <1% IFT make a difference if I were to do it today given todays showing? :confused:
 
nasa1974 said:
Thanks SB,

I went back and looked at your 11/10 post just to verify your thinking. I was trying to decide if it would be a smart thing to keep my % at 79-5-6-5-5 since the market is tanking again. The only thing that is going to hurt me is the F fund. Funny, yesterday the F was green most of the day and finished at .03 and I lost shares. :confused: Oh well!! I think I will reinforce my % today to gain a few more shares anyway.:nuts: Thanks again.
Click to expand...

Look at the (F) Fund as taking .3% off the table as profit, not that you
lost those shares. The extra dollars in the (F) was put back in the (G).
So its kinda like, you bought more shares cheaper in the (C) (S) and (I)
and took some shares in the (F) off the table. When it comes to the (F)
Fund, I believe its just shy of being a waste of time. At least the (G) is
safe harbour. The (F) stands for (F)ickled. Even the (G) is doing better
then the (F) on a YTD Basis. ;)
 
INVSTSMRT78 said:
Okay, my allocations the other day were:

88%(G)
4%(C)
4%(S)
4%(I)

Today, I see:

88.71%(G)
3.79%(C)
3.71%(S)
3.79%(I)

Now, how would the <1% IFT make a difference if I were to do it today given todays showing? :confused:
Click to expand...

78, If you make an IFT for 88-4-4-4 you will add more shares into your CSI accounts. Even though it would be a small % you would be using the G fund to purchase more shares.
 
Given that, does that mean I am using my G Fund profits to by C,S, and I Fund shares at a lower cost; dependent upon what they close at? If the C,S, and I were to make money today, and I did the <1%, I would have bought more shares, at a higher price? Am I getting it???
 
squalebear said:
Look at the (F) Fund as taking .3% off the table as profit, not that you
lost those shares. The extra dollars in the (F) was put back in the (G).
So its kinda like, you bought more shares cheaper in the (C) (S) and (I)
and took some shares in the (F) off the table. When it comes to the (F)
Fund, I believe its just shy of being a waste of time. I don't disagree, but the F has been showing a profit for the month and I figured that when the CSI tank the bonds usually go green. Oh I forgot this is not a normal market. :embarrest::mad: At least the (G) is
safe harbour. The (F) stands for (F)ickled. Even the (G) is doing better
then the (F) on a YTD Basis. ;)
Click to expand...

Actually I made an error. It was only 2 cents.:embarrest: My bad.
 
INVSTSMRT78 said:
Okay, my allocations the other day were:

88%(G)
4%(C)
4%(S)
4%(I)

Today, I see:

88.71%(G)
3.79%(C)
3.71%(S)
3.79%(I)

Now, how would the <1% IFT make a difference if I were to do it today given todays showing? :confused:
Click to expand...

An Example:

Today, if it stays down as it is, your account tomorrow might look like this;
89.31%(G)
3.59%(C)
3.51%(S)
3.59%(I)

You have three options as I see it.
1) Take all your money out of the risk funds and be happy with not losing
anymore money. This is called excepting the lose and moving on.
2) Leave it alone and be happy with less money working for you tomorrow
as the percentages will drop and so will your dollar amounts in each fund.
3) You can do a <1% IFT and up those percentages to 88-4-4-4. In turn
you'll pick up cheaper shares at a lower price, have more dollars in the risk
funds then you would have otherwise and you'll have less of both in the
(G) fund.

#2 and #3 require you to say more prayers, sweat more often and drink
stronger beverages. If you can't manage these things, BAIL ! (LoL) :nuts:
 
INVSTSMRT78 said:
Given that, does that mean I am using my G Fund profits to by C,S, and I Fund shares at a lower cost; dependent upon what they close at? If the C,S, and I were to make money today, and I did the <1%, I would have bought more shares, at a higher price? Am I getting it???
Click to expand...

Yep, your on the right track. Even if there was a small rally today in the CSI you would still be buying CSI at a lower cost compared to G. The I fund would need a 60 cent bounce to make it an even purchase. Good Luck
 
squalebear said:
#2 and #3 require you to say more prayers, sweat more often and drink
stronger beverages. If you can't manage these things, BAIL ! (LoL) :nuts:
Click to expand...

SB, My Jedi Master you are truly wise beyond your years. That is why I will always be your apprentice.:laugh: :laugh: :nuts:

(lol)
 
INVSTSMRT78 said:
Given that, does that mean I am using my G Fund profits to by C,S, and I Fund shares at a lower cost; dependent upon what they close at? If the C,S, and I were to make money today, and I did the <1%, I would have bought more shares, at a higher price? Am I getting it???
Click to expand...

No, your not getting it.

#1) Your not only using todays profit dollars in the (G), but your using alot
more of the (G) to stick in the risk funds. The (G) will gain 0.01% today.
You will be (most likely) taking more then that out of the (G) to drive the
risk funds back up to the percentages you desired.

#2) If the funds ended UP today, a 5%(C) fund might look like 5.32% come
tomorrow. If you did a <1% IFT today, you would drive the 5.32% back
down to 5% and the .32% would buy more shares into the (G). The 5%
of your money would then buy (C) shares at a higher price, but not as
many shares. So on a up day, I don't want to do a <1% IFT. I want to let
the 5.32% ride. More money working for my the next day. But again, the
next day could see a lose. So do your homework about tomorrows market
before making this decision the day before.

What happens if I do a <1%IFT on a UP day:
1) I have less money in the Fund then I would have
2) I have less shares in the Fund then I would have

What happens if I do a <1%IFT on a DOWN day:
1)I have more money in the Fund then I would have.
2)I have more shares in the Fund then I would have.
 
Last edited:
Just wanted to add a final thought before I enter the Twinky Zone ! :blink:

I don't know how long ago, the Logo on the TSPTalk Home page was
changed, but I just noticed it today. Tom, that is cooler then I can say ! :cool:

"FRIENDS DON'T LET FRIENDS BUY AND HOLD" - Well done ! ;)
 
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