The other thing to consider is risk capacity. How soon are you going to need the money, and will you be forced to sell at a loss if you need access to it?
On Jun 4, 2017 7:33 PM, "'Bent, Edward A' bentea@state.gov [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:
It has been mentioned several times in this thread that these are "personal" decisions to make in regards to allocations. That is especially true when it comes to ones tolerance for risk. Before the markets tumble, you have to ask yourself are you likely to want to sell your equity investments, hold on (and if so for how long), or buy more at what you think may be the bottom. I was a broker from 1986 until 2008 and experienced many of the highs and lows of the markets. Some people who I never thought would want to sell panicked and sold at the very bottom. Other shrewd investors scooped in and purchased stocks at a discount.
Before we would open managed investment accounts we were required to ask our clients a series of "personal" questions such as their tolerance for risk, what they would probably do if the market dropped by 10% or more over various time periods, how much other money they had outside of the market, their investing experience, when they expected to need the money, etc. After completing the questionaire it may have revealed whether the investment they were contemplating in investing, was in fact suitable for them. Or possibly an alternative would be a more suitable choice? This process is especially true for retirement funds.
So, yes these are very "personal" decisions and considering that it may be a large part or all of your retirement savings, I would encourage you to ask yourself some of these questions or seek out help and try to determine your level for risk which is always present in stock market investing.
Sent from my BlackBerry 10 smartphone.
From: Russel Todd toddrukkus@yahoo.com [TSP_Strategy]
Sent: Sunday, June 4, 2017 6:51 AM
To: TSP_Strategy@yahoogroups.com
Reply To: TSP_Strategy@yahoogroups.com
Subject: Re: [TSP_Strategy] Re: How much should I protect in the G Fund?
Sent from Yahoo Mail on Android<https://overview.mail.
What you're saying really speaks to me mike. I think I might do your strategy as I will have pension. Thanks for your opinion.
On Sunday, June 4, 2017, 12:39:59 PM GMT+9, robert winfield winfield100@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
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.
yahoo.com/mobile/?.src=Android >
Sent from Yahoo Mail for iPad<https://yho.com/footer0>
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
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<mailto:roguejim------------------------------@q.com > [TSP_Strategy] <TSP_Strategy@yahoogroups.com<mailto: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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