What or where does the "G" money go?

[Bart]

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"IF" I were to invest in the g fund (I know it's a government fund) but the gov is big!! Do they put it in the general fund?? Dod?? Where? I plan on asking questions of the rest of the funds also. Okay the s fund is for the small and mid business' but how, who, Does it follow a certain fund like the s&p or Barclays or????????? How about the C and I funds. I've been in this 15 years (since 1989) and know the names but not how to follow or identify. Thanks in advance.

Edited. I see the C fund follows the S&P. G is government securities. What securities?

 

[Guest]

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Bart wrote:

"IF" I were to invest in the g fund (I know it's a government fund) but the gov is big!! Do they put it in the general fund?? Dod?? Where? I plan on asking questions of the rest of the funds also. Okay the s fund is for the small and mid business' but how, who, Does it follow a certain fund like the s&p or Barclays or????????? How about the C and I funds. I've been in this 15 years (since 1989) and know the names but not how to follow or identify. Thanks in advance.

Edited. I see the C fund follows the S&P. G is government securities. What securities?

Bart, your question is scary, esp for someone in DOD. You're investing in funds but don't know what they are?

http://www.tsp.gov/rates/fundsheets.html

Please check out the above link and see what you are investing in.. The G fund is like a money market fund.

 

[Rolo]

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You mean the G Fund doesn't invest in Government IOU's?

 

[Bart]

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Saraho, with all do respect My tsp is up to $217K. Grew $2K yesterday. How's yours doing. My question was "I was wondering what stocks, or securities etc.the managing people put the money into". Example AT&T stocks are bought in the _ fund, Chevron oil for _ fund etc. Maybe I wasn't clear enough.



saraho wrote:

Bart wrote:

"IF" I were to invest in the g fund (I know it's a government fund) but the gov is big!! Do they put it in the general fund?? Dod?? Where? I plan on asking questions of the rest of the funds also. Okay the s fund is for the small and mid business' but how, who, Does it follow a certain fund like the s&p or Barclays or????????? How about the C and I funds. I've been in this 15 years (since 1989) and know the names but not how to follow or identify. Thanks in advance.

Edited. I see the C fund follows the S&P. G is government securities. What securities?

Bart, your question is scary, esp for someone in DOD. You're investing in funds but don't know what they are?

http://www.tsp.gov/rates/fundsheets.html

Please check out the above link and see what you are investing in.. The G fund is like a money market fund.

 

[Guest]

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Bart,

I hope my response was the answer you were seeking. I also hope it was clear enough for you.

 

[Bart]

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It wasn't the answer I was looking for. I took it as a "slam" "And you work for DoD?"! I have no idea what that was suppost to mean. I aplogize for the "slam" "How's yours doing?" Better leave this post alone.

 

[cowboy]

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Just a thought Bart but if you had .0092 growth yesterday would mean you are setting all I fund with $217K. It would of been the only way it could make that amount. When did you get in to it or have you been holding it awhile. It depends on how much you paid a share as to how much you make. If you bought in prior to January when the market was up your probably just recovering lost funds. A one day move in the market does not justify a $2000 gain unless you capitalized on it.The amount is then effected bydepending on what the market does after you do capitalize. I believe Tom explains the funds on the home page. Good Luck to ya!

If you have 217K in 15 years that is a fair sizable amount and you seem to be doing verywell especially since the average account is much lower than this. I need to get one of these higher paying jobs the governmenthas, anyonelooking to hire, must be $85,000 or higher to get me interested. I am a result oriented person.

 

[Bart]

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Cowboy, I moved into the I fund in late January. Somewhere around the 28th or so. I have the information in a chart I created on another computer. I'm wearing two hats for 30 days (other duties as assigned). Yes, I have all 200+K in the I fund. It was up to 224K in mid January when I was in the S fund. It kept loosing a little and the I fund seemed to be either doing better or not loosing as much as the s fund so I moved it over. I'm not in a high paying government job. Around 60K gross. I've just been in this since '88 and never touched it. It's been in the C fund almost all the time until a couple years ago (lost 30K) before I moved it into the F fund. I gained most of it back before the market took off again (early 2004). At that time I've been moving back and forth between the I and S fund. Lose a little gain a little, hopefully gaining more than loosing. If I get it to 1/4m in the next 2 years I'll start thinking about moving it into a safer account.

 

[cowboy]

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Bart, so you have 17 years in then if you started in 88. I would have to say you didfairly well andyou must have put the limit in prior to transfering to FERS and the years continuing. If you plan to workfor the government for another 8 - 13 years I wouldn't get too conservative if your watching it and1/4 Mil is a 2 year shot in the stock market. You must have some fair indicators to set in the I fund right at the moment, my thinking is it is going to start to decline soon again but may go up too before down.Good luck to ya!

 

[Bart]

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Cowboy, I do have about 18 years in and I'm planning on "pulling the plug" no later than November 30, 2007. Ruffly 2 1/2 years. I've always been a fers employee and always put in the max. Currently 15% I'll be 60 and that's the magic age. I think I've done pretty well, could have done better, but could have done worse also. I also, just this morning, moved all my "stuff" out of the I into the S. As a rule I've been in the S fund most of the time since moving out of the F fund about a year ago. I don't know why but I don't feel comfortable in the I fund. Since, the inception of the 1 to 2 day moving possiblity I've been more "bold" in my choice of funds. Before I was mainly in the C fund, except for that major correction starting about two years ago and ending about a year ago.

I've just discovered this site and I'm still learning about it and how to use it. My way of thinking is that (and correct me if I'm wrong) when "things" are up the C S & I funds go up. Some more than others. This same time the F (bond market) goes down. I don't really concider the G fund much more than a savings account (like in the bank). Yea, it's safe but it doesn't grow much. When the interest rates go up the stock market pulls back and people start moving money in to the bond market and the F fund looks better (growth wise). If I'm wrong please feel free to correct this "stupid DoD" employee.

I know the market is scary animal, but I don't know the smaller/finer things that scare the market into selling off. Any clues?


If you feel the I fund is in for a correction what's your feelings on the S & C funds?

 

[Bart]

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Cowboy, another thing I've been watching is Fedsmith.com daily they put out information and I read an article that stated that since 1889 when the market has a down January the rest of the year has a 50/50 chance of being down the majority of the time. If the market ends positive then the vast majority of the time the year is positive all the way though.

 

[cowboy]

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Currently I am setting in the G fund but tomorrow or the next day I may be in a different fund. Conserving capital mostly this year so far. May get in on the dip today some, depending on what I feel is happening. If I do get in i'll probably play it short though. Good luck to you! One thing about the market, one day you feel like your the smartest person in the world the next day you may lose all of your braincells. I Fund may go up today, C&S down may be a good time to get in. If all three go down then I may watch another day. Every day is an opportunity. Take care.

 

[azanon]

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Bart, your question is scary, esp for someone in DOD. You're investing in funds but don't know what they are?

http://www.tsp.gov/rates/fundsheets.html

Please check out the above link and see what you are investing in.. The G fund is like a money market fund.

Actually, its not like a money market fund. The G Fund specifically invests in short-term U.S. Treasury securities. U.S. Treasury securities carry no credit risk

In contrast, "general" money market funds like you'll find at places like USAA, Vanguard, T. Rowe invest in a whole host of various short term debt instruments that usually carry low credit risk, but not always "no" credit risk. In addition to U.S. Treasuries like in the G fund, MM funds can be found holding commercial paper, CDs, repurchase agreements, medium-term notes, asset backed securities, bank notes, adjustible-rate securities, variable rate demand notes, synthetic instrunments, etc.

Of the 2, the G fund is probably "safer".

 

[asante11]

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cowboy wrote:

Currently I am setting in the G fund but tomorrow or the next day I may be in a different fund. Conserving capital mostly this year so far. May get in on the dip today some, depending on what I feel is happening. If I do get in i'll probably play it short though. Good luck to you! One thing about the market, one day you feel like your the smartest person in the world the next day you may lose all of your braincells. I Fund may go up today, C&S down may be a good time to get in. If all three go down then I may watch another day. Every day is an opportunity. Take care.

Hello all:

I'm new to this as of 10 minutes ago. A government employee that is concerned about the future. Since last December, allocated 20% in each fund. Gained and loss here and there. (In need of a positive plan of action)Everything is now sitting in the G fund until further notice. Any positive /logical thoughts-Asante11

 

[Birchtree]

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Asantel 1,

Read some of my posts for the simple solution. Then work your way backwards for more complicated views on trading . Good luck. Dennis

 

[Guest]

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asante11 wrote:

cowboy wrote:

Currently I am setting in the G fund but tomorrow or the next day I may be in a different fund. Conserving capital mostly this year so far. May get in on the dip today some, depending on what I feel is happening. If I do get in i'll probably play it short though. Good luck to you! One thing about the market, one day you feel like your the smartest person in the world the next day you may lose all of your braincells. I Fund may go up today, C&S down may be a good time to get in. If all three go down then I may watch another day. Every day is an opportunity. Take care.

Hello all:

I'm new to this as of 10 minutes ago. A government employee that is concerned about the future. Since last December, allocated 20% in each fund. Gained and loss here and there. (In need of a positive plan of action)Everything is now sitting in the G fund until further notice. Any positive /logical thoughts-Asante11

I would welcome you to this forum, but I amthe second most hated person here. So I leave that I someone inbetter standing.

I'm in the same boat as you. I believe there times to be in the market and there are times to be out. Hind-sight being 20-20, it would appear to be a no-brainier as to when to be in/out. But a stock/fund is worth exactly what it is selling at the time, with risks and potential benefits already built-in.

The last 2 months has had wild-swings even within each day's trading. Tsp_go appears to have a good 10/5/5 system that would have you in the market when it is steadily&moderately going up and out when it is steadily going down. Lately, the market's has not had consistent trend and the wild swings have triggered wild buy/sells.

I was 100% in stocks in last fall's rally and still in at New Years and lost 3.5% on Jan 3/4 but stayed in until mid-March at it's peak. ThenMT's rants seemed to ring true to me and went 100%G and avoided the recent drop.

Last week could have been the beginning of a new rally and we missed out on getting back in on April 20th when the S&P was at 1137. I personally don't think that the S&P500 will go above 1190 until October. So I'm planning to staying in G-fund; sometimes playing 10 or 20% on the swings.

 

[asante11]

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The Simple solution.....

I conducted a search but it took me to your response to me.

A novice at this point but soon to be an expert.

Is there a fatser way to obtain such information- Asante11

 

[ou81200]

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Greg---

If your the second most hated person on this forum, who is first???

 

[ou81200]

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asante11---

What you can do is watch what everyone else does with the various market conditions. See what funds they are in and why. Almost everyone here likes to share information. Then you can start manipulating your portfolio. As stated before, it would be good to backtrack other members intrafund transfers and see what market conditions warranted their transfers.

Bottom line is that there is no easy way to do this that I'm aware of.