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Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 

I actually meant to post that to JM Bud, not you Mike

From: "Mike Tucker tuckerm83@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: "TSP Strategy" <TSP_Strategy@yahoogroups.com>
Sent: Thursday, June 30, 2016 6:30:10 PM
Subject: Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 
My point was all Sarah did was post YTD numbers, and then someone posted returns since our move to F and after the recent rebound of C and S after the overreaction free fall following Brexit. Anyone can pick a date here and there that show better returns, which is why I was indirectly pointing out those returns weren't looking so good a couple days ago - that's all. We're all interested in the long term here.

Sent from my iPhone

On Jun 30, 2016, at 6:47 PM, Scotty Cox sjcx@cableone.net [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 


Why does it matter what the returns were right after the crash Fri and Mon? 'd rather see them after today(Thursday).

What's it look like as of now Mike?

From: "Mike Tucker tuckerm83@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: "TSP Strategy" <TSP_Strategy@yahoogroups.com>
Sent: Wednesday, June 29, 2016 2:15:22 PM
Subject: Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 
Yes, S and C have bounced back the past couple days after the market's panicked reaction to Brexit calmed down. What were YTD returns for those funds like 2 days ago before things calmed down a bit? 😉

Sent from my iPhone

On Jun 29, 2016, at 9:49 AM, JM Bud jmbud2@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 


TSP returns through 28 June since TSP Strategy moved to F on 8 March:

S Fund    +4.55%

C Fund    +3.55%

F Fund    +3.31%

G Fund    +0.54%

I Fund      -0.81%



On Tue, Jun 28, 2016 at 11:49 AM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
 

F fund       5.5%
G fund       0.9%
L Income    0.4%
L2020    (-0.8%)
C fund   (-1.0%)
L2030    (-1.6%)

L2040    (-2.1%)

L2050    (-2.7%)
S fund   (-2.9%)
I fund     (-8.7%)











__._,_.___
Posted by: Scotty Cox <sjcx@cableone.net>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (6)
Have you tried the highest rated email app?
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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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
[TSP_Strategy] Why It Pays to Keep Your Own Records

[TSP_Strategy] Why It Pays to Keep Your Own Records

 

Why It Pays to Keep Your Own Records

By Tammy Flanagan

3:00 PM ET

I recently received the following email from "Maria":

As a fairly recent retiree, I wanted to alert you to an issue I had with the Office of Personnel Management when finalizing my annuity.

Many years ago a wise mentor of mine told me to save the last leave and earnings statement from every agency I worked for as proof of my retirement contributions should there be an error. I had followed this advice and saved this information, so I checked my total retirement contributions against the amount that OPM computed (retirees are provided with this information after the Civil Service Retirement System or Federal Employees Retirement System claim is finalized). I noticed there was a discrepancy in my retirement contributions. As you know, this information is used to determine the tax-free portion of my retirement benefit. (It is also used to determine the maximum contribution that CSRS and CSRS Offset employees may contribute to a Voluntary Contributions account). Fortunately for me, it was the agency prior to the one I retired from that was the root of the error and I was able to get it corrected by contacting that payroll provider. (I also involved my congressional representative.) Total time to make this correction: 18 months!

The total discrepancy was $327 so there was not much of a tax implication, thankfully. It could have been far worse. The taxable portion of my annuity was reduced $10.92 in tax year 2015. (In 2014 it was even less, as it was for a nine-month period – $7.28.)

My other surprise was the state tax liability – not only was it over $3,000, but I got hit with a $185 penalty for under-paying my state income tax. Had someone mentioned it, I could have filed estimated taxes. Unfortunately for me, I found that out too late. Hopefully this will help out someone else down the road as they retire.

There are a few lessons to be learned from Maria's experience:

Keep copies of your records. These include the last pay statement from each agency you've worked for; SF-50's (Notification of Personnel Action Statements) documenting your retirement coverage, beginning and ending dates of federal service, salary changes during your high-three average salary period and work schedule; insurance documentation showing level of coverage and required five years of coverage under the Federal Employees Health Benefits Program and Federal Employees Group Life Insurance, coverage and enrollment in long-term care insurance, and coverage under dental and vision insurance; beneficiary designation forms (CSRS, FERS, FEGLI, Thrift Savings Plan and unpaid compensation); records of deposits or redeposits for civilian or military service credit; divorce decrees; marriage certificates; and your completed retirement application.

Understand what you are entitled to. At the very least, you should know how much creditable service you have, the salary rates used for your high-three, how much life insurance coverage you have at the start of your retirement and how much you will maintain afterwards; your survivor benefit election and the value it has to your surviving spouse (or insurable interest) and any entitlement your former spouse may have to survivor benefits or your retirement benefit. For tax planning, it is also important to know how much money you have contributed to the retirement fund. This information is shown on your leave and earnings statements. If you change agencies or payroll offices, the amount of your contributions are forwarded to OPM and the new payroll office starts at zero dollars, which is why Maria was advised to keep her last statement from each appointment.

Do some tax planning when you are getting ready to retire. This includes computing the amount ot tax withholding from your CSRS or FERS retirement as well as Social Security retirement and TSP withdrawals. You must make choices about withholding from these benefits. (There are some required tax withholdings from payments taken from the TSP.) Remember, OPM will not withhold state income tax from your interim retirement payments while your retirement claim is being finalized. This can last for several months or more, depending on OPM's work load and the complexity of your retirement claim.

Although the error involving Maria's contributions was small, it illustrates the importance of keeping track of your retirement records and understanding the importance of retirement tax planning. Next week, we'll look at that in a little more depth.

By Tammy Flanagan

3:00 PM ET

Why It Pays to Keep Your Own Records

 

__._,_.___
Posted by: sarah_oz@yahoo.com
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (1)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 

My point was all Sarah did was post YTD numbers, and then someone posted returns since our move to F and after the recent rebound of C and S after the overreaction free fall following Brexit. Anyone can pick a date here and there that show better returns, which is why I was indirectly pointing out those returns weren't looking so good a couple days ago - that's all. We're all interested in the long term here.

Sent from my iPhone

On Jun 30, 2016, at 6:47 PM, Scotty Cox sjcx@cableone.net [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

Why does it matter what the returns were right after the crash Fri and Mon? 'd rather see them after today(Thursday).

What's it look like as of now Mike?

From: "Mike Tucker tuckerm83@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: "TSP Strategy" <TSP_Strategy@yahoogroups.com>
Sent: Wednesday, June 29, 2016 2:15:22 PM
Subject: Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 
Yes, S and C have bounced back the past couple days after the market's panicked reaction to Brexit calmed down. What were YTD returns for those funds like 2 days ago before things calmed down a bit? 😉

Sent from my iPhone

On Jun 29, 2016, at 9:49 AM, JM Bud jmbud2@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 


TSP returns through 28 June since TSP Strategy moved to F on 8 March:

S Fund    +4.55%

C Fund    +3.55%

F Fund    +3.31%

G Fund    +0.54%

I Fund      -0.81%



On Tue, Jun 28, 2016 at 11:49 AM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
 

F fund       5.5%
G fund       0.9%
L Income    0.4%
L2020    (-0.8%)
C fund   (-1.0%)
L2030    (-1.6%)

L2040    (-2.1%)

L2050    (-2.7%)
S fund   (-2.9%)
I fund     (-8.7%)






__._,_.___
Posted by: Mike Tucker <tuckerm83@yahoo.com>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (5)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 

Why does it matter what the returns were right after the crash Fri and Mon? 'd rather see them after today(Thursday).

What's it look like as of now Mike?

From: "Mike Tucker tuckerm83@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: "TSP Strategy" <TSP_Strategy@yahoogroups.com>
Sent: Wednesday, June 29, 2016 2:15:22 PM
Subject: Re: [TSP_Strategy] TSP YTD Returns thru 6/27/16

 
Yes, S and C have bounced back the past couple days after the market's panicked reaction to Brexit calmed down. What were YTD returns for those funds like 2 days ago before things calmed down a bit? 😉

Sent from my iPhone

On Jun 29, 2016, at 9:49 AM, JM Bud jmbud2@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 


TSP returns through 28 June since TSP Strategy moved to F on 8 March:

S Fund    +4.55%

C Fund    +3.55%

F Fund    +3.31%

G Fund    +0.54%

I Fund      -0.81%



On Tue, Jun 28, 2016 at 11:49 AM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
 

F fund       5.5%
G fund       0.9%
L Income    0.4%
L2020    (-0.8%)
C fund   (-1.0%)
L2030    (-1.6%)

L2040    (-2.1%)

L2050    (-2.7%)
S fund   (-2.9%)
I fund     (-8.7%)






__._,_.___
Posted by: Scotty Cox <sjcx@cableone.net>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (4)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] F Fund - New 2016 High

Re: [TSP_Strategy] F Fund - New 2016 High

 

Moved 30% to 2050 before noon on Day 2nd of Brexit sell off. Going back to 100% F tomorrow before noon. Almost returned today, but read an article on how bullishly consistent the market has been on the first trading day of July and could not resist playing the odds. Totally not like me to try and time, particularly as I cautiously grow 7 digits. I mistly play long term trends (the philosophy of Oz) but market has been in an almost predictable bounce pattern while moving sideway for past year plus. Younger investors should think long, be consistent on max deposits and borrow against your retirement as last resort. It will pay off in 30 years.


Sent from Yahoo Mail for iPhone

On Thursday, June 30, 2016, 1:54 PM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

F fund hits a new 2016 high today.


__._,_.___
Posted by: Shawn Magill <spmag8@yahoo.com>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (14)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
[TSP_Strategy] F Fund - New 2016 High

[TSP_Strategy] F Fund - New 2016 High

 

F fund hits a new 2016 high today.


__._,_.___
Posted by: sarah_oz@yahoo.com
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (13)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] F Fund - New 2016 High

Re: [TSP_Strategy] F Fund - New 2016 High

 

Is this because uncertainty in world banks from BREXIT has money flowing into the US bond market? And US equities too?

F fund - because an international recession is feared to be on the horizon.

S and C Fund - because the market's short term reaction to BREXIT was overdone.

__._,_.___
Posted by: sarah_oz@yahoo.com
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (12)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] F Fund - New 2016 High

Re: [TSP_Strategy] F Fund - New 2016 High

 

I think its the dead cat bouncing again. Hopefully it bounces a little higher so i can get out this time.   Got to greedy and took a beating last week. 


On Wednesday, June 29, 2016 1:48 PM, "JM Bud jmbud2@gmail.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:


 
Is this because uncertainty in world banks from BREXIT has money flowing into the US bond market? And US equities too?

On Wed, Jun 29, 2016 at 11:36 AM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
 
F fund hits a new 2016 high today.



__._,_.___
Posted by: Jarvis Miles <jarvis_65@yahoo.com>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (11)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
Re: [TSP_Strategy] F Fund - New 2016 High

Re: [TSP_Strategy] F Fund - New 2016 High

 

Is this because uncertainty in world banks from BREXIT has money flowing into the US bond market? And US equities too?

On Wed, Jun 29, 2016 at 11:36 AM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
 

F fund hits a new 2016 high today.


__._,_.___
Posted by: JM Bud <jmbud2@gmail.com>
Reply via web post • Reply to sender • Reply to group • Start a New Topic • Messages in this topic (10)
Have you tried the highest rated email app?
With 4.5 stars in iTunes, the Yahoo Mail app is the highest rated email app on the market. What are you waiting for? Now you can access all your inboxes (Gmail, Outlook, AOL and more) in one place. Never delete an email again with 1000GB of free cloud storage.
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.

.

__,_._,___
Andriansyah / Tulis Komentar / Baca Selengkapnya »
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