Re: [TSP_Strategy] Re: How much should I protect in the G Fund?

 

I have a simple tsp investment philosophy

G fund = cash plus a tiny gain

I track the F S I C funds using 20, 50 and 200 day moving averages

My rules. 100% in whatever fund I'm in
Is the daily close above the 20 day

Is the 20 day above the 50 day

Is the 50 day above the 200 day

Positive slopes on moving averages

Do nothing, look for confirmation tomorrow.

Wait another day, 

Wait another day

Monday will get here soon enough. So be patient.

Are all 3 moving average slopes positive (good) or negative (bad)

Wait a day

Are they diverging in a positive slope, even miniscule.

Look closer, go get a pizza

Am I sure

Wait a day, or 3,

Oops, after 12, wait till tomorrow

I am 100% in whatever fund.

I get 2 trades/month

I rarely trade

If I trade and screw up, I can go G fund = cash

Like I did 11/9/2016, and missed 7.01% gains

(Agony)

If you had $100,000 in S fund (or more)

You lost both $7,010 Plus the gains the extra 7 grand would have acquired, by not waiting.

Remember, it is % gains <<<---------

If you lose 7%, you have to gain 10% just to break even.

Anybody notice the last 3 days of the S fund?

UP 2.17%! Did you miss part of that?

A rare week.

I have NOT tested this in excel, but have been giving thought.

The idea is simple, anyone could do it for free, and it's -->your<-- retirement money so -->you should take control of -->your destiny.

Sent from Yahoo Mail on Android

 

IMO, it makes no sense to have money in the G fund even after retirement.  You have a pension and social security to fall back on.  Money can be moved to G fund at any time.  The time to move to G is when the other funds trend negative. For my risk tolerance that may take a month or two to identify.

I could retire last year but looking to work another year or two. I learned my lesson in 2009 when I had my money in G and missed out on 25-30% gains.  10 year average of C, S, I above 7% while G only 2.5%.  The last year of 15-20% has been very rewarding....

Mike

Sent from Yahoo Mail for iPad

On Saturday, June 3, 2017, 7:55 PM, Mike VanAmburgh mjv325@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

I'm not sure if I'm understanding your question but If the stock market tanks, my C S I balances will be lower but they wouldn't go down to zero. I don't feel the need to have money in G for backup in case that happens, if that's what you mean. 

Mike

On Sat, Jun 3, 2017 at 1:58 PM, roguejim@q.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

Mike, if the stock market tanks at a time when you need cash, and you have $0 in tbe G fund, unless you have accessible cash outside of TSP, you would be in a bad spot, no? Outside of my social security check, and postal pension, all money is in TSP. I guess this is why this ends up being a personal matter based on personal situations. Maybe I'm off base, though.

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Posted by: robert winfield <winfield100@yahoo.com>

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