Squalebear's Account Talk

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Gang, I'm hanging in there. Thanks for all the kind words. It appears that I
Herniated 3 disks and one is pinching on a nerve. Can't wait until Friday. Its
the first available appointment we could get from a Neurologist. Until then,
its moan & wait. Congrats on Tuesdays returns. It looks like I bailed out of
the (F) Fund a day too early. Say-La-Vee !

90-0-3-3-4 :D
 
YTD IDX returns: YTD TSP returns: YTD SB current returns:
SPX= -38.41%.....C=... -37.04%....-09.47% (my figures):D
DW.= -40.91%.....S=... -39.40%....
EFA= -42.18%......I=... -41.73%...
AGG=+00.49%.....F=...+04.97%...
...........................G=...+03.64%...

MTD IDX returns: MTD TSP returns: MTD SB current returns:
SPX=+00.91%.....C=...+01.00%....+03.47%(my figures):blink:
DW.=+02.75%.....S=...+02.83%...
EFA=+08.77%......I=...+08.95%...
AGG=+03.27%.....F=...+03.26%...
...........................G=...+00.13%..
 
<1%IFT of the same percentages listed today.

A)Should the market end down, I'll pick up more shares cheaper.
B)Should the market end up, gains will automatically return to the (G).
C)Should the market end mixed, both A & B will occur.

90%(G) 0%(F) 3%(C) 3%(S) 4%(I) :)
 
Forgive me SB, but I don't understand the <1% IFT concept. Can you give a quick explanation? If not, please do not worry. Eventually, I will catch on. lol
 
Heres a post that explains it to a certain extent.

squalebear said:
I'm going to make a Rebalance IFT today. I have no more Regular IFT's left. I currently hold the following in each Fund;

75%(G) 5%(C) 15%(S) 5%(I)

If the market closed right now, my funds would have looked like this tomorrow;
75.3%(G)4.95%(C)14.84%(S)4.91%(I)

But I did a <1% IFT (allowable and within the rules) as follows today;
75%(G) 5%(C) 15%(S) 5%(I) The same that the TSP shows on their IFT webpage.

[snip]

By doing this, I also add more $$$$ to each fund instead of letting the
loss ride and holding onto less shares at a greater original cost. This is
a form of DCA'ing by purchasing more shares at a lower price. Tomorrow,
if the funds recover half of todays losses, I break even instead of being
still down. Just thought I'd share this again. Many have asked me about
this method.
Click to expand...
 
HappyGoLucky said:
Forgive me SB, but I don't understand the <1% IFT concept. Can you give a quick explanation? If not, please do not worry. Eventually, I will catch on. lol
Click to expand...

Happy, Here is a short explanation that SB gave me re same area.
squalebear said:
Scout, what ever the Fund, it can be raised up to the next whole number.
If all your funds ended in,,,,say,,,,12.03% you can raise all of them to 13%.
If you had your money in the (C)(S)(I)(F), then thats 4 funds x 0.97% or
3.88%. You actualy moved 3.88% out of the (G).

If you made a <1% IFT today, the percentages you asked for can be seen
tomorrow. However, you won't see partial percentages because they did
what you asked, after the market closed, so you'll only see whole numbers
which represent your IFT. ;)

With that said, you have two choices on the day after your <1% IFT.
#1- Wait a additional day to see how your percentages have changed.
#2- Do another IFT. But utilize the same percentages that you did the
day before. If a fund goes down, your automatically adding shares to
that find. If the market goes up. Your taking some shares off the table.
If the funds end up mixed, you'll add shares to some funds, while taking
shares away in another. :)

I don't want to tie up this thread with a lengthy off-topic explanation.
I'm sure this will be confusing without additional information. Stop by
my thread and I will answer any additional questions you have. ;)
Click to expand...

:)
 
FUND MGRS. OPT FOR DOUBLE DIGIT DEFICIT ON A
DOWN DAY ! BEING IN THE GREEN AREA OF THE O/D
TRACKER ONLY LOOKS GOOD IF THE MARKET GOES UP
AND THE FUND MANAGERS BUCK THE TREND AND PAY
US BACK ON THE SAME DAY. ALL $0.11 TSP CENTS WOULD
BE A NICE ADDITION, BUT OPTION EXPIRATIONS NOW
LOOM AND I CAN ONLY HOPE IT LESSENS THE BURDON.:confused:

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/17/08)+0.2385%+0.1035 tsp cents
(11/18/08)+0.0615%+0.0958 tsp cents
(11/19/08)+0.7053%+0.0048 tsp cents
(11/20/08)+0.4283% -0.0446 tsp cents
(11/21/08) -0.9898%+0.0732 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/24/08)+0.8559% -0.0785 tsp cents
(11/25/08) -0.4855% -0.0155 tsp cents
(11/26/08) -0.8046%+0.0909 tsp cents
(11/27/08) -0.8046%+0.0909 tsp cents (Holiday)
(11/28/08) -0.1318%+0.0735 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/01/08)+0.6216% -0.0081 tsp cents
(12/02/08) -0.6385%+0.0734 tsp cents
(12/03/08) -0.6890%+0.1629 tsp cents
(12/04/08)+0.2253%+0.1299 tsp cents
(12/05/08)+0.3991%+0.0812 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/08/08) -0.0997%+0.0983 tsp cents
(12/09/08)+0.3953%+0.0453 tsp cents
(12/10/08) -0.8546%+0.1615 tsp cents
(12/11/08) -0.8703%+0.0442 tsp cents
(12/12/08) -0.5707%+0.1221 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/15/08)+0.1635%+0.1002 tsp cents
(12/16/08)+0.2041%+0.0766 tsp cents
(12/17/08)+0.0295%+0.0720 tsp cents
(12/18/08) -0.3009%+0.1115 tsp cents :D

THE KEY:
------------------------------------------------- THEY OWE US ----
+.2000 thru+.2500 Elavated Deficit, (Windfall Coming)
+.1500 thru+.2000 High Deficit (Rarely Goes Higher)
+.1000 thru+.1500 Medium Deficit (Flip A Coin):D
+.0000 thru+.1000 Low Deficit (Goal is Met)
------------------------------------------------- WE OWE THEM ---
- .0000 thru -.1000 Minimum Overpayment (Goal is Met)
- .1000 thru -.1500 Low Overpayment, (Flip A Coin)
- .1500 thru -.2000 Medium Overpayment (Rarely Goes Higher)
- .2000 thru -.2500 Elavated Overpayment, (Payback Immanent)
-------------------------------------------------------------------------------
 
YTD IDX returns: YTD TSP returns: YTD SB current returns:
SPX= -39.71%.....C=... -38.34%....-09.71% (my figures):D
DW.= -41.96%.....S=... -40.45%....
EFA= -43.95%......I=... -43.69%...
AGG=+01.13%.....F=...+05.38%...
...........................G=...+03.65%...

MTD IDX returns: MTD TSP returns: MTD SB current returns:
SPX=-01.22%.....C=... -01.10%....+03.22%(my figures):confused:
DW.=+00.91%.....S=...+01.05%...
EFA=+05.44%......I=...+05.29%...
AGG=+03.92%.....F=...+03.27%...
...........................G=...+00.14%..
 
Good morning SB

Hope you are feeling better and the Neurologist visit goes well.

Thanks for all your help and have as good a holiday as possible.

Dave
 
PessOptimist said:
Good morning SB
Hope you are feeling better and the Neurologist visit goes well.
Thanks for all your help and have as good a holiday as possible.
Dave
Click to expand...
Seconded.....I know you won't be cured tomorrow, but having answers and a direction takes the worry part out of it!

You're in my prayers!:D
 
Oral Steriods, Future Epidoral Injection and Phy. Therapy are the orders.
Thanks for everyones prayers, can't type now, hurts too bad. I'm staying
put in the TSP on a speculated up day today. I'll deal with Monday when
it comes.

90-0-3-3-4 (now)

89-0-3.1-3.2-4 (hopeful at the end of the day for a possible Monday bump up)
 
FUND MGRS. OPTED TO LESSEN THE BURDON OF A -1.45%
LOSS THAT THE EFA TOOK AND HIT THE (I) FUNDERS WITH
A -0.92% LOSS. THIS CUT THE DEFICIT TO A MEASLY
$0.0363 TSP CENTS or O.26%. AS THE O/D TRACKER KEY
DICTATES, THIS AREA IS WHAT THE FUND MGRS. ASPIRE
TO ACHIEVE BY YEARS END. WITH THAT IN MIND, I'M
NOT THINKING WE'LL SEE MUCH OF A DIFFERENCE COME
DECEMBER 31, 2008. ;)

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/17/08)+0.2385%+0.1035 tsp cents
(11/18/08)+0.0615%+0.0958 tsp cents
(11/19/08)+0.7053%+0.0048 tsp cents
(11/20/08)+0.4283% -0.0446 tsp cents
(11/21/08) -0.9898%+0.0732 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(11/24/08)+0.8559% -0.0785 tsp cents
(11/25/08) -0.4855% -0.0155 tsp cents
(11/26/08) -0.8046%+0.0909 tsp cents
(11/27/08) -0.8046%+0.0909 tsp cents (Holiday)
(11/28/08) -0.1318%+0.0735 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/01/08)+0.6216% -0.0081 tsp cents
(12/02/08) -0.6385%+0.0734 tsp cents
(12/03/08) -0.6890%+0.1629 tsp cents
(12/04/08)+0.2253%+0.1299 tsp cents
(12/05/08)+0.3991%+0.0812 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/08/08) -0.0997%+0.0983 tsp cents
(12/09/08)+0.3953%+0.0453 tsp cents
(12/10/08) -0.8546%+0.1615 tsp cents
(12/11/08) -0.8703%+0.0442 tsp cents
(12/12/08) -0.5707%+0.1221 tsp cents

......DATE.....DLY % DIFF.....YTD TSP CENTS.....
(12/15/08)+0.1635%+0.1002 tsp cents
(12/16/08)+0.2041%+0.0766 tsp cents
(12/17/08)+0.0295%+0.0720 tsp cents
(12/18/08) -0.3009%+0.1115 tsp cents
(12/19/08)+0.5371%+0.0363 tsp cents:)

THE KEY:
------------------------------------------------- THEY OWE US ----
+.2000 thru+.2500 Elavated Deficit, (Windfall Coming)
+.1500 thru+.2000 High Deficit (Rarely Goes Higher)
+.1000 thru+.1500 Medium Deficit (Flip A Coin)
+.0000 thru+.1000 Low Deficit (Goal is Met):)
------------------------------------------------- WE OWE THEM ---
- .0000 thru -.1000 Minimum Overpayment (Goal is Met)
- .1000 thru -.1500 Low Overpayment, (Flip A Coin)
- .1500 thru -.2000 Medium Overpayment (Rarely Goes Higher)
- .2000 thru -.2500 Elavated Overpayment, (Payback Immanent)
-------------------------------------------------------------------------------
 
BY NOT DOING A <1%IFT TODAY, I ALLOWED MY PORTFOLIO %'s
TO CHANGE INSTEAD OF TAKING SMALL PROFITS OFF THE TABLE IN
THE (C) AND (S) WHILE BUYING A FEW SHARES OF (I) AT A SLIGHTLY
CHEAPER PRICE. WHAT THIS DOES IS SET ME UP FOR A MONDAY DECISION.

MY %'s COME MONDAY ARE AS FOLLOWS;
90%(G) 0%(F) 3.01%(C) 3.03%(S) 3.96%(I)

IF I FEEL THAT TUESDAY WILL END NEGATIVE, I COULD DO A NORMAL
IFT AND LOWER MY PERCENTAGES DOWN TO; (91-0-3-3-3) OR EVEN
LOWER IF DESIRED.

IF I FEEL THAT TUESDAY WILL BE A REBOUND OR A RALLY CONTINUATION,
I CAN DO A <1%IFT UPWARD BY ROUNDING UP TO (88-0-4-4-4). AT
MINIMUM, ITS CERTAINLY NICE TO HAVE OPTIONS. ;)

YTD IDX returns: YTD TSP returns: YTD SB current returns:
SPX= -39.53%.....C=... -38.19%....-09.70% (my figures):)
DW.= -41.44%.....S=... -39.90%....
EFA= -44.76%......I=... -44.21%...
AGG=+00.80%.....F=...+05.31%...
...........................G=...+03.66%...

MTD IDX returns: MTD TSP returns: MTD SB current returns:
SPX=-00.93%.....C=... -00.85%....+03.22%(my figures):)
DW.=+01.83%.....S=...+01.99%...
EFA=+03.91%......I=...+04.32%...
AGG=+03.59%.....F=...+03.59%...
...........................G=...+00.15%..
 
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