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Re: [TSP_Strategy] Six Million Dollar Fed

moved back yesterday from L2050, nice 0.7% yesterday and 1.02% today...........

From: "Christian Miranda christian_miranda2001@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: TSP_Strategy@yahoogroups.com
Sent: Thursday, August 31, 2017 3:42 PM
Subject: Re: [TSP_Strategy] Six Million Dollar Fed

So glad I didn't leave the S fund.

Christian

On Aug 31, 2017, at 10:45 AM, robert winfield winfield100@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

do they have the subset of __couples__ whom both are in TSP, and the S or C funds?

From: "sarah_oz@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: TSP_Strategy@yahoogroups.com
Sent: Thursday, August 31, 2017 9:13 AM
Subject: [TSP_Strategy] Six Million Dollar Fed

The Six Million Dollar Man (or Woman) really is a fed

By Mike Causey

August 31, 2017

For five seasons in the 1970s, the hottest show on TV (or so my parents told me) was "The Six Million Dollar Man." He was an astronaut with NASA who, after some major ($6 million) bodywork, could do lots of incredible things.

Fast forward to August 2017. Turns out there really is a $5.8 million person out there, and he or she works for Uncle Sam. Thanks to the rising stock market, his or her Thrift Savings Plan balance is up from $4,654,000 in January 2016 to $5,823,556 this month. And he (or she) has been around for a while, so they are unlikely to be an appointee of the Trump administration.

Having quickly established that this person is not you, the next question is, how's your TSP? Followed by the response, "compared to what?"

How about everybody else's, all 4.9 million active and retired feds, military personnel and former feds who left money in the federal version of a 401(k) plan? The numbers are all good, and staggering. The vast majority of TSP millionaires did it the hard way. They started investing as soon as the TSP program began or they joined government. Many have been in it for 28-plus years.

Feds who stuck with the C and S (stock index) funds have done very well over time. While there have been major downturns, including the Great Recession, the overall trend has been up. People who bought the C, S and I funds during the Great Recession have seen them jump in value dramatically. They bought low and are now enjoying the benefits, at least on paper.

So where do you stand in the TSP lineup? Check this out:

2.8 million account holders have account balances of $50,000 or less. On average, they've been in the TSP for 6.89 years.
1.4 million have between $50,000 and $249,000 in their accounts. The average participation for this group is 16.45 years.
436,509 workers and retirees have between $250,000 and $499,000 in their TSP accounts as of mid-August. On average, they've been investing for 22 years.
135,789 account holders have balances between half a million dollars to $749,000. That's almost triple the number at that level in January 2016. They have been in the TSP an average of 25 years.
A whopping 46,088 have account balances ranging from $750,000 and $999,000 after an average of 27.5 years of investing. Many of them are on the brink of breaking into the millionaires club if the stock market remains strong.
Of the 4,951,949 TSP participants, the average time they've been investing in the TSP is 11.8 years.

Almost all have several things in common. They invested as soon as they were able. They maxed out their contributions to get the government match of 5 percent, and they invested in the C and S funds, in good times as well as bad.

__._,_.___

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

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[TSP_Strategy] Re: 50 SMA

http://www.marketwatch.com/story/how-to-make-money-with-stocks-despite-septembers-awful-record-2017-08-29

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Posted by: sarah_oz@yahoo.com

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Re: [TSP_Strategy] Six Million Dollar Fed

So glad I didn't leave the S fund.

Christian

On Aug 31, 2017, at 10:45 AM, robert winfield winfield100@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

do they have the subset of __couples__ whom both are in TSP, and the S or C funds?

From: "sarah_oz@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: TSP_Strategy@yahoogroups.com
Sent: Thursday, August 31, 2017 9:13 AM
Subject: [TSP_Strategy] Six Million Dollar Fed

The Six Million Dollar Man (or Woman) really is a fed

By Mike Causey

August 31, 2017

For five seasons in the 1970s, the hottest show on TV (or so my parents told me) was "The Six Million Dollar Man." He was an astronaut with NASA who, after some major ($6 million) bodywork, could do lots of incredible things.

Fast forward to August 2017. Turns out there really is a $5.8 million person out there, and he or she works for Uncle Sam. Thanks to the rising stock market, his or her Thrift Savings Plan balance is up from $4,654,000 in January 2016 to $5,823,556 this month. And he (or she) has been around for a while, so they are unlikely to be an appointee of the Trump administration.

Having quickly established that this person is not you, the next question is, how's your TSP? Followed by the response, "compared to what?"

How about everybody else's, all 4.9 million active and retired feds, military personnel and former feds who left money in the federal version of a 401(k) plan? The numbers are all good, and staggering. The vast majority of TSP millionaires did it the hard way. They started investing as soon as the TSP program began or they joined government. Many have been in it for 28-plus years.

Feds who stuck with the C and S (stock index) funds have done very well over time. While there have been major downturns, including the Great Recession, the overall trend has been up. People who bought the C, S and I funds during the Great Recession have seen them jump in value dramatically. They bought low and are now enjoying the benefits, at least on paper.

So where do you stand in the TSP lineup? Check this out:

2.8 million account holders have account balances of $50,000 or less. On average, they've been in the TSP for 6.89 years.
1.4 million have between $50,000 and $249,000 in their accounts. The average participation for this group is 16.45 years.
436,509 workers and retirees have between $250,000 and $499,000 in their TSP accounts as of mid-August. On average, they've been investing for 22 years.
135,789 account holders have balances between half a million dollars to $749,000. That's almost triple the number at that level in January 2016. They have been in the TSP an average of 25 years.
A whopping 46,088 have account balances ranging from $750,000 and $999,000 after an average of 27.5 years of investing. Many of them are on the brink of breaking into the millionaires club if the stock market remains strong.
Of the 4,951,949 TSP participants, the average time they've been investing in the TSP is 11.8 years.

Almost all have several things in common. They invested as soon as they were able. They maxed out their contributions to get the government match of 5 percent, and they invested in the C and S funds, in good times as well as bad.

__._,_.___

Posted by: Christian Miranda <christian_miranda2001@yahoo.com>

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Re: [TSP_Strategy] Six Million Dollar Fed

do they have the subset of __couples__ whom both are in TSP, and the S or C funds?

From: "sarah_oz@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com>
To: TSP_Strategy@yahoogroups.com
Sent: Thursday, August 31, 2017 9:13 AM
Subject: [TSP_Strategy] Six Million Dollar Fed

The Six Million Dollar Man (or Woman) really is a fed

By Mike Causey

August 31, 2017

For five seasons in the 1970s, the hottest show on TV (or so my parents told me) was "The Six Million Dollar Man." He was an astronaut with NASA who, after some major ($6 million) bodywork, could do lots of incredible things.

Fast forward to August 2017. Turns out there really is a $5.8 million person out there, and he or she works for Uncle Sam. Thanks to the rising stock market, his or her Thrift Savings Plan balance is up from $4,654,000 in January 2016 to $5,823,556 this month. And he (or she) has been around for a while, so they are unlikely to be an appointee of the Trump administration.

Having quickly established that this person is not you, the next question is, how's your TSP? Followed by the response, "compared to what?"

How about everybody else's, all 4.9 million active and retired feds, military personnel and former feds who left money in the federal version of a 401(k) plan? The numbers are all good, and staggering. The vast majority of TSP millionaires did it the hard way. They started investing as soon as the TSP program began or they joined government. Many have been in it for 28-plus years.

Feds who stuck with the C and S (stock index) funds have done very well over time. While there have been major downturns, including the Great Recession, the overall trend has been up. People who bought the C, S and I funds during the Great Recession have seen them jump in value dramatically. They bought low and are now enjoying the benefits, at least on paper.

So where do you stand in the TSP lineup? Check this out:

2.8 million account holders have account balances of $50,000 or less. On average, they've been in the TSP for 6.89 years.
1.4 million have between $50,000 and $249,000 in their accounts. The average participation for this group is 16.45 years.
436,509 workers and retirees have between $250,000 and $499,000 in their TSP accounts as of mid-August. On average, they've been investing for 22 years.
135,789 account holders have balances between half a million dollars to $749,000. That's almost triple the number at that level in January 2016. They have been in the TSP an average of 25 years.
A whopping 46,088 have account balances ranging from $750,000 and $999,000 after an average of 27.5 years of investing. Many of them are on the brink of breaking into the millionaires club if the stock market remains strong.
Of the 4,951,949 TSP participants, the average time they've been investing in the TSP is 11.8 years.

Almost all have several things in common. They invested as soon as they were able. They maxed out their contributions to get the government match of 5 percent, and they invested in the C and S funds, in good times as well as bad.

__._,_.___

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

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[TSP_Strategy] 50 SMA

S fund just nudged across the 50 SMA. Any thoughts on whether this rally is sustained, or whether this might be a good time to jump out for the bearish season?

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Posted by: timedtrade@gmail.com

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[TSP_Strategy] Six Million Dollar Fed

The Six Million Dollar Man (or Woman) really is a fed

By Mike Causey

August 31, 2017

Having quickly established that this person is not you, the next question is, how's your TSP? Followed by the response, "compared to what?"

So where do you stand in the TSP lineup? Check this out:

2.8 million account holders have account balances of $50,000 or less. On average, they've been in the TSP for 6.89 years.
1.4 million have between $50,000 and $249,000 in their accounts. The average participation for this group is 16.45 years.
436,509 workers and retirees have between $250,000 and $499,000 in their TSP accounts as of mid-August. On average, they've been investing for 22 years.
135,789 account holders have balances between half a million dollars to $749,000. That's almost triple the number at that level in January 2016. They have been in the TSP an average of 25 years.
A whopping 46,088 have account balances ranging from $750,000 and $999,000 after an average of 27.5 years of investing. Many of them are on the brink of breaking into the millionaires club if the stock market remains strong.
Of the 4,951,949 TSP participants, the average time they've been investing in the TSP is 11.8 years.

__._,_.___

Posted by: sarah_oz@yahoo.com

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Re: [TSP_Strategy] Fed Millionaires

I know about five people in the mil club in my office, all of them have been with the government since 80s, and yup, they all invested in C fund and never change and rarely look at their account.

Imagine if they were in the S fund since its inception.
Since 2001, the S fund has outperformed the C fund in 10 of 16 years.

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Posted by: sarah_oz@yahoo.com

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Re: [TSP_Strategy] Fed Millionaires

I know about five people in the mil club in my office, all of them have been with the government since 80s, and yup, they all invested in C fund and never change and rarely look at their account.

On Tuesday, August 29, 2017 10:20 PM, "sarah_oz@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:

16,000 self-made fed millionaire

By Mike Causey

August 29, 2017

If your image of the typical federal bureaucrat is a plodding middle-aged man (or woman) who couldn't make it big — or maybe even at all — in the rmeal world, think again. As in, how many rank-and-file millionaires are there where you work?

Thanks to a surging stock market and a steady-as-she-goes investment strategy, an eye-popping 16,475 federal workers now have Thrift Savings Plan accounts worth $1 million. And in some cases, much more.

Unlike the early days of the federal 401(k) plan, when all the big accounts belonged to wealthy political appointees (many of them lawyers turned federal judges) who brought their 401(k) and other retirement vehicles into the federal TSP, which has the lowest fees in the business.

The new crop of do-it-yourself millionaires nearly all has one thing in common. They've been investing since they first joined the government, they've stayed with the stock-indexed C and S funds, and they stayed with those funds, and continued to buy more each pay period, even at the bottom of the Great Recession. By contrast, hundreds of thousands of federal and retiree investors left the then-tanking stock-indexed funds and moved some or all of their money into the super-safe (super-dull) Treasury securities G fund. Even worse — at least so far — they continued to buy only G fund shares when the entire U.S. stock market (as covered by the C and S funds) was on sale.

The other thing the self-made TSP millionaires had in common is that if eligible, they took advantage of the 5 percent match the government puts into TSP accounts if investors put in at least that much. Over time, that match, the equivalent of a tax-deferred 5 percent pay raise each year, pays off big time.

So how big time?

In January 2016, there were 4.7 million participants with TSP accounts. As of Aug. 15, 2017, there were 4.9 million. This includes both active-duty federal workers and military personnel, retirees with TSP accounts and former feds who've kept their 401k nest-egg in the federal program.

In 2016, there were 3,272 TSP millionaires who had been investing for an average of 28.5 years. As of this month, the number of million-dollar TSP accounts had jumped to 16,475. Their average number of years of investing had jumped slightly to 28.8 years.

The number of feds knocking on the million-dollar door (with account balances ranging from $750,000 to $999,000) rose from 18,846 in January 2016, to an amazing 46,088 this month. And they did it all by themselves, with a little help from the stock market, which many experts predicted would tank, especially if you-know-who got elected (and did get elected). While there has been a so-called Trump (as in President Donald J.) impact, it is not what most pundits predicted … or perhaps hoped for.

The 16 percent factor: To see the difference between accounts of investors who moved into and stayed with the G fund during the Great Recession vs. those who stuck with the C and S stock funds, click here: https://federalnewsradio.com/federal-report/2017/08/the-trump-effect-on-your-tsp-account-the-16-percent-factor/

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Posted by: DON LE <donle0230@yahoo.com>

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[TSP_Strategy] Fed Millionaires

16,000 self-made fed millionaire

By Mike Causey

August 29, 2017

So how big time?

In January 2016, there were 4.7 million participants with TSP accounts. As of Aug. 15, 2017, there were 4.9 million. This includes both active-duty federal workers and military personnel, retirees with TSP accounts and former feds who've kept their 401k nest-egg in the federal program.

In 2016, there were 3,272 TSP millionaires who had been investing for an average of 28.5 years. As of this month, the number of million-dollar TSP accounts had jumped to 16,475. Their average number of years of investing had jumped slightly to 28.8 years.

The number of feds knocking on the million-dollar door (with account balances ranging from $750,000 to $999,000) rose from 18,846 in January 2016, to an amazing 46,088 this month. And they did it all by themselves, with a little help from the stock market, which many experts predicted would tank, especially if you-know-who got elected (and did get elected). While there has been a so-called Trump (as in President Donald J.) impact, it is not what most pundits predicted … or perhaps hoped for.

The 16 percent factor: To see the difference between accounts of investors who moved into and stayed with the G fund during the Great Recession vs. those who stuck with the C and S stock funds, click here: https://federalnewsradio.com/federal-report/2017/08/the-trump-effect-on-your-tsp-account-the-16-percent-factor/

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Posted by: sarah_oz@yahoo.com

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