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[TSP_Strategy] Investment Resolutions

5 Investment Resolutions for 2017

Chart of the Week for December 30, 2016 - January 5, 2017

New Year's resolutions are popular. Consider adding one or more of these tips to your resolution list.

It's a popular time of the year to start thinking about New Year's resolutions.

Review your investment plan — Calculate your net worth and review your investment plan to ensure it continues to be on track with your financial goals for retirement and your risk tolerance. If you don't have an investment plan, set one up.
Review your investment portfolio — Evaluate your asset allocations, which are likely to have shifted during the year, in part due to the differing performance of various asset classes. Consider rebalancing to maintain your target allocations and risk tolerance.
Pay yourself more — Increase the amount you contribute to your retirement savings plan this year. Think of the future and your retirement needs. If your employer offers a match, make sure to take maximum advantage of those extra funds. For 2017, the contribution limits are unchanged at $18,000 for Regular Contributions and $6,000 for Catch-Up Contributions.
Learn at least one new thing about investments — Education can help you better understand your investment options and generate new ideas. Try reading a book on personal finances or use the many resources available on the internet. Classes on investing are also readily available—either online or in a classroom.
Consider opening an IRA — Consult your tax advisor to determine which IRA or retirement plan option may be best for you. The earlier you start saving, the longer your money has the potential to grow.

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Posted by: sarah_oz@yahoo.com

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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.

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RE: [TSP_Strategy] TSP Meeting Minutes for October 2016

More TSP Investment Choices Coming to You

Published: September 6, 2016
Fedweek

Would you like more investment choices in the Thrift Savings Plan? Well, both Congress and the Thrift Board think you would and will be adding more investment choices in the future. Of course, we do not know exactly what "the future" means, and the Thrift Board has a history of not rushing into things. More choices for TSP investors will not result in the TSP actually adding any more funds to the current mix; rather it will result in TSP investors being allowed to invest their TSP money outside of the TSP in mutual funds managed by private investment companies.

Let's look at what has led up to the TSP's decision to offer more investment choices. The Thrift Board was granted the authority by Congress to add mutual funds to their offerings back in 2009, but they did not indicate that they planned to exercise that authority until about a year ago, in July 2015. One of the Board's major considerations was protecting the "core" funds that we have now and they felt that a "mutual fund window" would be the best way to go about it. Another stated desire was that the TSP retain more participants after separation. It was felt that many of those who rolled their money out of the TSP did so in order to have a greater variety of investments.

The Thrift Board announced its intention to create this mutual fund window in the TSP at their July 2015 meeting and we've heard nothing further since then. This "window" would allow TSP participants to invest their TSP assets in mutual funds. A participant could click on the window (once it available, of course) and be transferred to the website of an investment firm where they could then invest their TSP funds. The concept is simple, the implementation will be challenging.

The Thrift Board will need to solicit proposals from investment firms to establish the window through which participants can invest. The Board estimated that it would take fifteen months from the selection of the investment firm to implement the window, and no investment firm has been selected yet.

The Board also indicated that the extra costs of the available mutual funds would not affect the low expenses of the current "core" funds. This would indicate that all additional investing expenses would be borne by those who choose to invest in mutual funds.

A wild card is how the window would work. Would it allow all types of mutual funds, much like the Combined Federal Campaign allows all charities? Or would it limit offerings to certain funds? I would hope that the funds that will become available through the window would be low expense funds that cover many broad financial areas. Of course, they didn't ask me my opinion.

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Posted by: sarah_oz@yahoo.com

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RE: [TSP_Strategy] TSP Meeting Minutes for October 2016

Has anyone heard an update on the TSP adding additional funds?

Thanks!

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Posted by: Julie Julie <juliec22003@yahoo.com>

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RE: [TSP_Strategy] TSP Meeting Minutes for October 2016

Click on the attachments listed at the end. They're hyperlinks.

Michael

From: TSP_Strategy@yahoogroups.com [mailto:TSP_Strategy@yahoogroups.com]
Sent: Friday, December 30, 2016 5:51 AM
To: TSP_Strategy@yahoogroups.com; TSP_Strategy@yahoogroups.com
Subject: Re: [TSP_Strategy] TSP Meeting Minutes for October 2016

Hi Sara,

Quick question. I appreciate your efforts to keep us informed. I look forward to the annual tsp report. Is there a link where one can see the attachments mentioned in the minutes?

Sent from Yahoo Mail on Android

https://www.frtib.gov/MeetingMinutes/2016/2016Oct.pdf

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Posted by: "Michael Smart" <msmart86@verizon.net>

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Re: [TSP_Strategy] TSP Meeting Minutes for October 2016

Hi Sara,

Quick question. I appreciate your efforts to keep us informed. I look forward to the annual tsp report. Is there a link where one can see the attachments mentioned in the minutes?

Sent from Yahoo Mail on Android