What is your Goal?

[nnuut]

Welcome to the Messsage Board peterson82. Looks you have an opportunity to end up with a beautiful retirement if you put the money in and handle your investments well, wish I could start over again. I would put as much as I could afford in the TSP. Lots of info here and many good people that are willing to help. See you around.
Norman

 

[James48843]

Welcome aboard p'82.

My goal is to be able to beat the "C" fund by 5%, each and every year until retirement.

Then, I think I'll simply put it all into L Income, and live off the proceeds.

IF I can beat the "C" by 5% every year until then, I'll be fine.

But it ain't easy....

 

[Guest2]

Welcome aboard p'82.

My goal is to be able to beat the "C" fund by 5%, each and every year until retirement.

Then, I think I'll simply put it all into L Income, and live off the proceeds.

IF I can beat the "C" by 5% every year until then, I'll be fine.

But it ain't easy....

If the (C) Fund is down -14% for the year,
is it your goal to be -9% or better for the year.? :embarrest:

 

[Guest2]

I'm guessing you want to see a +5% return each year, unless the
(C) Fund ends the year in the positive. In turn, you want to beat
the (C) Fund by at least 5%. Is that what you meant ? I'm not trying
to be a smart #$%, just a little clarification is needed for the young pups
and the slow old farts like myself !

 

[Guest2]

My goals would be quite similar as Bullishreturns are (if I understood them correctly).
Before the IFT limits, my goal was to beat all Funds in a positive year.
Now with the 2 IFT limits, I've had to lower my goals to beating the
(C) fund in a positive year. In a negative year, I MUST beat the (G)
and (F) Funds. Those are my goals within a Bear or Bull Market.

 

[James48843]

If the (C) Fund is down -14% for the year,
is it your goal to be -9% or better for the year.? :embarrest:

My goal is to be 5% better than the "C" fund over the long term.

Long term meaning each year until retirement, AND until retirement as a whole.

According to the autotracker, the "C" is down -11.05% for the year, so if I was down only -6.05%, then that would be success.

In actuality, I am up 1.87%, which is better than all funds except the "G".

I normally want to be sitting in stocks. And I have been in stocks for all but 35 trading days this year.

Seeing that it's been a bear market, I think being postive during these negative times has been a real challenge, but so far I'm doing ok.

 

[James48843]

By the way-

THANK YOU OCEAN for the autotracker. It is the most valuable tool I have yet seen in relation to TSP, and has helped me greatly.

 

[Gumby]

My goals would be quite similar as Bullishreturns are (if I understood them correctly).
Before the IFT limits, my goal was to beat all Funds in a positive year.
Now with the 2 IFT limits, I've had to lower my goals to beating the
(C) fund in a positive year. In a negative year, I MUST beat the (G)
and (F) Funds. Those are my goals within a Bear or Bull Market.

My goal has been to make a 10%+ return per year on the average. I am beating the C fund this year by about 10% but I still have a negative return.......not really what I wanted but it could be worse.
I am going to set my sites on being in the + column by the end of the year.....hopefully Birchtree's Bull will kick in sometime in the future for us all.

 

[XL-entLady]

I'm already making monthly withdrawals out of my TSP. So my very simple goal is to end each year with at least as many dollars in my TSP account as I had at the start of the year. So that the interest I make is covering my withdrawals. I've been making my goal but with the advent of the IFT limits it has been dificult at best. :suspicious:

Lady

 

[EW_ret]

Hello, everyone.

This is my first post, and fittingly, this weekend will be my first deposit into my brand new tsp account.

My goal is to learn as much as possible from sites like these, and hopefully beat the standard 2040 option. I am thinking about DCAing early on, and build a solid base while the stocks are down.

Its a great time to start your TSP account. Wish I could start over!
Welcome to our forums peterson82 . You can join our Automated Tracker once you have 10 posts. Read the Automated Tracker Rules in my signature. Click Members Ranking to see the current return rankings of our members.

It would be good tell us about yourself in this thread Member Introductions (click).

My goal is to beat the L2020 fund's performance. This may seem like a low threshold to most who are working, but I am retired and no longer contribute to my retirement accounts. I am not withdrawing from my retirement accounts either, so I believe the performance of an allocation of 60% stocks and 40% bond a worthy threshold for a new retiree.

 

[Silverbird]

I have 2 goals:
1) Never end the year with negative returns again (I didn't lose very much during 2000-2001 but it annoyed me anyway)
2) Average Annual Return of 7% a year

 

[Birchtree]

My goal since inception has been to accumulate 40,000 C fund shares - not worrying about the gains or give backs during any particular year. And I'm getting ever so close. By the time minimum required distributions roll around I should be comfortably in the $1M or better zone - if a good bull kicks in to continue the mega trend secular bull market maybe I'll achieve the $2M mark.

 

[uscs344]

My goal is to keep it out of the negative and to retire at 57 comfortably. So far so good. Got a long road ahead of me though.

 

[ens189]

I'm 22 so I've got a bit of time before the Border Patrol makes me retire so hopefully I can close out my TSP well into the 7 figure range.

 

[Frixxxx]

My goal since inception has been to accumulate 40,000 C fund shares - not worrying about the gains or give backs during any particular year. And I'm getting ever so close. By the time minimum required distributions roll around I should be comfortably in the $1M or better zone - if a good bull kicks in to continue the mega trend secular bull market maybe I'll achieve the $2M mark.

Willl it be a quick sell or will you milk TSP for more?

I am on track for a 7 figure account and that is not counting what my wife's investments are doing.

But what to do at the end of that road and on to the beginning of a new one......decisions decisions.

I can go in 14 years but will probably stay 18 because that is when I will have hit the three retirement engines and go on coast.....hey, 59 & 1/2, baby.....I'll have 34 years in:blink:

 

[Show-me]

I'm 22 so I've got a bit of time before the Border Patrol makes me retire so hopefully I can close out my TSP well into the 7 figure range.

Good goal and welcome.

 

[Boghie]

I'm 22 so I've got a bit of time before the Border Patrol makes me retire so hopefully I can close out my TSP well into the 7 figure range.

ens189,

Congrats on noting the power of your TSP account. I did not really find mine till 1994 - after President Clinton's retroactive tax increase. I had just been promoted (literally the same pay period) when that tax hike took place. I was expecting a sizable pay increase - but, instead lost $50. So, I sincerely thank President Clinton for making me aware of pre-tax retirement investments.

Obviously, someone at work clued you in - hopefully without a Border Patrol tire iron. But, then again, a tire iron across the head is oftentimes the fastest way to learn

Can I recommend using Quicken's retirement planner and/or the calculators at www.DinkyTown.net

Figure on investing a total of 15% (10% from you and 5% matching from the Feds) for a very happy time in your golden years. On top of that, your 10% will actually only cost you 7% - 8% in take home pay. And, at your age C/S/I are the way to go. They are cheap now!!!

Happy Hunting

 

[Boghie]

As far as goals...

I like 'Dave M's goal from 2006 - modified for me.

Simply, to beat the L2030. Otherwise, since that would be my 'proper' choice, why mess with allocation management if I cannot even beat a prefab setup.

So far, so good...

Even longterm.