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[TSP_Strategy] Re: Are You Losing Funds by Funding TSP Too Much?

[TSP_Strategy] Re: Are You Losing Funds by Funding TSP Too Much?

 

How about during open season for Healthcare benefits beginning 1 Nov or thereabouts...everyone has a button on their agency TSP contribution site...that asks if you want to contribute the maximum to get maximum matching? If they click yes...then the calculation is automatically done for the employee...no need to figure out what the real # should be...amount of pay periods, yada, yada, yada....


For the 2nd time in my short 10 year career...I messed it up. Hit the max in late October. I don't know why...I followed the number this site suggested...but somehow it didn't take or work out right. Maybe the 1 Jan 2017 cola or whatever, threw it off.

Bottom line...it should be a button to click and forget. The same thing for those wanting to catch up if over 50. However the button should say, do you want to stop your catch up....so that you are in by default. You'd think this would be easy to implement.

anyone else think this is a no brainer?

__._,_.___

Posted by: orsadude2@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] US Retail Internet Sales

Re: [TSP_Strategy] US Retail Internet Sales

 



Sent from my iPad

On Nov 26, 2017, at 2:48 PM, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

Charts of the Week

U.S. Retail Internet Sales

Chart of the Week for November 24, 2017 - November 30, 2017

U.S. Internet Retail Sales continue to grow in total dollars and as a percentage of all retail sales.

On a quarterly basis the U.S. Census Bureau publishes data concerning Internet Sales, which is defined as sales of goods and services over the internet or other online system. The chart above shows the sales figures for fourth quarter of 2016 through the third quarter of 2017.

As we approach the 2017 holiday shopping season, Internet Sales continue to show strong growth. Third quarter 2017 sales totaled $115.3 billion, a 3.6% gain compared to the second quarter of 2017. Over the past four quarters sales have increased 15.5%. Internet Sales have increased from 2.4% of total retail sales in the first quarter of 2005 to 9.1% of total retail sales in the third quarter of 2017, and have posted 35 consecutive quarters of sales growth. Internet Sales continue to impact brick and mortar stores with some news outlets reporting that more than 6,700 retail outlets will be closed this year.


__._,_.___

Posted by: John Hartigan <johnhartigan@sbcglobal.net>
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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] Are You Losing Funds by Funding TSP Too Much?

Re: [TSP_Strategy] Are You Losing Funds by Funding TSP Too Much?

 

i may get figures in a week or so. going to warmer weather

On Thursday, November 30, 2017, 9:57:04 AM EST, robert winfield winfield100@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:


 

There is a way to analyze this, using time value of money
(these are initial thoughts)
make sure you are able to contribute 5% every paycheck to TSP, all 26 payperiods to ensure federal matching.
then front load in the beginning of the year as much as possible.
ie a few large contributions at the start of the year, then switch to 5%/ppd
I don't have exact numbers yet as this is an idea

this way you have a (theoretical) larger balance over the entire year, gaining value over more days
And the 5% matching funds continue

(these assume you remain in a high rate of return fund the entire year)

this is merely an idea as yet with no numbers or testing


On Thursday, November 30, 2017, 7:35:13 AM EST, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:


 

TSP Participants Are Leaving Money on the Table, Fund Changes, and More

By Erich Wagner

November 29, 2017

Officials at the federal government's 401(k)-style retirement savings plan said Tuesday that some employees are actually investing too much of their paychecks, and as a result they're leaving money on the table.

Geoffrey Nieboer, the Thrift Savings Plan's chief of business intelligence, told members of the Federal Retirement Thrift Investment Board, which governs the TSP, that every year, several thousand federal workers cease contributing to their accounts because they have hit their annual cap on pre-tax investments.

"There are a group of participants who are contributing a high percentage of their income and are reaching their annual contribution limit well before the end of the year," he said. "While certainly this is well intentioned, they may not understand that by stopping contributions early, they will no longer receive matching contributions and may actually be losing money."

The federal government provides an employer match for federal employees on the first 5 percent of their paycheck that they invest in the TSP. Officials said those who wish to invest more should still attempt to only hit that cap at the end of the year, so they can continue to receive the employer match.

"We message this regularly, but unfortunately for us, it's from OPM to everybody, it's that one-to-many message," Nieboer said. "Really, in order to address the few thousand people we're talking about, we need to do a personalized message. Make that phone call, send that email or that letter and say, 'You're contributing X, but you really should be contributing Y.'"

The FRTIB board also voted unanimously Tuesday to expand the portfolio of the TSP's I Fund, which is made up of international investments.

Currently, the portfolio is invested in the Morgan Stanley Capital International Europe Australasia Far East index fund, which makes up about 59 percent of the non-U.S. investment market. But in the coming years, the I Fund will shift over to the MSCI All Country World ex U.S. IMI fund, which encompasses all the entire non-U.S. market.

Consultants with Aon Hewitt recommended the change, and estimated that increases in returns would outpace the increased volatility of expanded foreign investment. In 2017, the I Fund has posted some of the highest growth of the TSP's various investment portfolios.

Sean McCaffrey, TSP's director of investment, said plans to shift to the new index fund will be incorporated into an ongoing bid process for a vendor for the I Fund.

"We would look to implement this after the rebid for the I Fund, which is something that should be completed by September of next year," he said. "Whoever that manager is can take us through the process to move to the new index, and depending on how they feel about working over the holidays, that could start in October or in January [2019]."

The Office of Personnel Management has run into an unexpected hurdle in this year's Combined Federal Campaign, the federal government's annual charity giving drive, as retirees have found themselves unable to donate through the program.

Federal News Radio reports that OPM cannot collect the necessary information from former feds to allow them to give to the charity of their choice through the CFC website. A provision of the Paperwork Reduction Act limits what information agencies, including OPM, can collect and the number of people they can solicit at once.

Complicating the website snafu is the elimination this year of cash donations and hard-copy pledge forms, leaving retirees with no avenue to donate. The CFC runs until Jan. 12, but OPM does not have a timeframe for when it will have the issue resolved.


By Erich Wagner

November 29, 2017

http://www.govexec.com/pay-benefits/pay-benefits-watch/2017/11/tsp-participants-are-leaving-money-table-fund-changes-and-more/144163/


__._,_.___

Posted by: robert winfield <winfield100@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (3)

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.

.

__,_._,___
Re: [TSP_Strategy] Are You Losing Funds by Funding TSP Too Much?

Re: [TSP_Strategy] Are You Losing Funds by Funding TSP Too Much?

 

There is a way to analyze this, using time value of money
(these are initial thoughts)
make sure you are able to contribute 5% every paycheck to TSP, all 26 payperiods to ensure federal matching.
then front load in the beginning of the year as much as possible.
ie a few large contributions at the start of the year, then switch to 5%/ppd
I don't have exact numbers yet as this is an idea

this way you have a (theoretical) larger balance over the entire year, gaining value over more days
And the 5% matching funds continue

(these assume you remain in a high rate of return fund the entire year)

this is merely an idea as yet with no numbers or testing


On Thursday, November 30, 2017, 7:35:13 AM EST, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:


 

TSP Participants Are Leaving Money on the Table, Fund Changes, and More

By Erich Wagner

November 29, 2017

Officials at the federal government's 401(k)-style retirement savings plan said Tuesday that some employees are actually investing too much of their paychecks, and as a result they're leaving money on the table.

Geoffrey Nieboer, the Thrift Savings Plan's chief of business intelligence, told members of the Federal Retirement Thrift Investment Board, which governs the TSP, that every year, several thousand federal workers cease contributing to their accounts because they have hit their annual cap on pre-tax investments.

"There are a group of participants who are contributing a high percentage of their income and are reaching their annual contribution limit well before the end of the year," he said. "While certainly this is well intentioned, they may not understand that by stopping contributions early, they will no longer receive matching contributions and may actually be losing money."

The federal government provides an employer match for federal employees on the first 5 percent of their paycheck that they invest in the TSP. Officials said those who wish to invest more should still attempt to only hit that cap at the end of the year, so they can continue to receive the employer match.

"We message this regularly, but unfortunately for us, it's from OPM to everybody, it's that one-to-many message," Nieboer said. "Really, in order to address the few thousand people we're talking about, we need to do a personalized message. Make that phone call, send that email or that letter and say, 'You're contributing X, but you really should be contributing Y.'"

The FRTIB board also voted unanimously Tuesday to expand the portfolio of the TSP's I Fund, which is made up of international investments.

Currently, the portfolio is invested in the Morgan Stanley Capital International Europe Australasia Far East index fund, which makes up about 59 percent of the non-U.S. investment market. But in the coming years, the I Fund will shift over to the MSCI All Country World ex U.S. IMI fund, which encompasses all the entire non-U.S. market.

Consultants with Aon Hewitt recommended the change, and estimated that increases in returns would outpace the increased volatility of expanded foreign investment. In 2017, the I Fund has posted some of the highest growth of the TSP's various investment portfolios.

Sean McCaffrey, TSP's director of investment, said plans to shift to the new index fund will be incorporated into an ongoing bid process for a vendor for the I Fund.

"We would look to implement this after the rebid for the I Fund, which is something that should be completed by September of next year," he said. "Whoever that manager is can take us through the process to move to the new index, and depending on how they feel about working over the holidays, that could start in October or in January [2019]."

The Office of Personnel Management has run into an unexpected hurdle in this year's Combined Federal Campaign, the federal government's annual charity giving drive, as retirees have found themselves unable to donate through the program.

Federal News Radio reports that OPM cannot collect the necessary information from former feds to allow them to give to the charity of their choice through the CFC website. A provision of the Paperwork Reduction Act limits what information agencies, including OPM, can collect and the number of people they can solicit at once.

Complicating the website snafu is the elimination this year of cash donations and hard-copy pledge forms, leaving retirees with no avenue to donate. The CFC runs until Jan. 12, but OPM does not have a timeframe for when it will have the issue resolved.


By Erich Wagner

November 29, 2017

http://www.govexec.com/pay-benefits/pay-benefits-watch/2017/11/tsp-participants-are-leaving-money-table-fund-changes-and-more/144163/


__._,_.___

Posted by: robert winfield <winfield100@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (2)

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.

.

__,_._,___
Re: [TSP_Strategy] Re: are we on fumes yet??

Re: [TSP_Strategy] Re: are we on fumes yet??

 

up 1/3 to 1/2% so far, hopefully will sustain.
happy happy joy joy






On Thursday, November 30, 2017, 8:27:53 AM EST, sarah_oz@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:


 

Futures looking huge this morning.

__._,_.___

Posted by: robert winfield <winfield100@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (8)

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.

.

__,_._,___
[TSP_Strategy] Re: are we on fumes yet??

[TSP_Strategy] Re: are we on fumes yet??

 

Futures looking huge this morning.

__._,_.___

Posted by: sarah_oz@yahoo.com
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic (7)

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.

.

__,_._,___
[TSP_Strategy] Are You Losing Funds by Funding TSP Too Much?

[TSP_Strategy] Are You Losing Funds by Funding TSP Too Much?

 

TSP Participants Are Leaving Money on the Table, Fund Changes, and More

November 29, 2017

Officials at the federal government's 401(k)-style retirement savings plan said Tuesday that some employees are actually investing too much of their paychecks, and as a result they're leaving money on the table.

Geoffrey Nieboer, the Thrift Savings Plan's chief of business intelligence, told members of the Federal Retirement Thrift Investment Board, which governs the TSP, that every year, several thousand federal workers cease contributing to their accounts because they have hit their annual cap on pre-tax investments.

"There are a group of participants who are contributing a high percentage of their income and are reaching their annual contribution limit well before the end of the year," he said. "While certainly this is well intentioned, they may not understand that by stopping contributions early, they will no longer receive matching contributions and may actually be losing money."

The federal government provides an employer match for federal employees on the first 5 percent of their paycheck that they invest in the TSP. Officials said those who wish to invest more should still attempt to only hit that cap at the end of the year, so they can continue to receive the employer match.

"We message this regularly, but unfortunately for us, it's from OPM to everybody, it's that one-to-many message," Nieboer said. "Really, in order to address the few thousand people we're talking about, we need to do a personalized message. Make that phone call, send that email or that letter and say, 'You're contributing X, but you really should be contributing Y.'"

The FRTIB board also voted unanimously Tuesday to expand the portfolio of the TSP's I Fund, which is made up of international investments.

Currently, the portfolio is invested in the Morgan Stanley Capital International Europe Australasia Far East index fund, which makes up about 59 percent of the non-U.S. investment market. But in the coming years, the I Fund will shift over to the MSCI All Country World ex U.S. IMI fund, which encompasses all the entire non-U.S. market.

Consultants with Aon Hewitt recommended the change, and estimated that increases in returns would outpace the increased volatility of expanded foreign investment. In 2017, the I Fund has posted some of the highest growth of the TSP's various investment portfolios.

Sean McCaffrey, TSP's director of investment, said plans to shift to the new index fund will be incorporated into an ongoing bid process for a vendor for the I Fund.

"We would look to implement this after the rebid for the I Fund, which is something that should be completed by September of next year," he said. "Whoever that manager is can take us through the process to move to the new index, and depending on how they feel about working over the holidays, that could start in October or in January [2019]."

The Office of Personnel Management has run into an unexpected hurdle in this year's Combined Federal Campaign, the federal government's annual charity giving drive, as retirees have found themselves unable to donate through the program.

Federal News Radio reports that OPM cannot collect the necessary information from former feds to allow them to give to the charity of their choice through the CFC website. A provision of the Paperwork Reduction Act limits what information agencies, including OPM, can collect and the number of people they can solicit at once.

Complicating the website snafu is the elimination this year of cash donations and hard-copy pledge forms, leaving retirees with no avenue to donate. The CFC runs until Jan. 12, but OPM does not have a timeframe for when it will have the issue resolved.


November 29, 2017

http://www.govexec.com/pay-benefits/pay-benefits-watch/2017/11/tsp-participants-are-leaving-money-table-fund-changes-and-more/144163/


__._,_.___

Posted by: sarah_oz@yahoo.com
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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.

.

__,_._,___
[TSP_Strategy] Re: are we on fumes yet??

[TSP_Strategy] Re: are we on fumes yet??

 

I agree.  I would expect that nervousness could start in January.

__._,_.___

Posted by: sarah_oz@yahoo.com
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?
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.

.

__,_._,___
[TSP_Strategy] Re: are we on fumes yet??

[TSP_Strategy] Re: are we on fumes yet??

 

The market is not running on fumes.  


It's running on trillions of global central bank buying at any price.  Even though they are slowing purchases down next year, the global central banks are still in afterburner.  

But even jets in afterburner can crash or run into another plane (China's credit reversal or North Korea come to mind).

It's not going to end well at some point...but today the market still believes it can fly and stay in Neverland forever.


__._,_.___

Posted by: michaelhbond@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.

.

__,_._,___
Re: [TSP_Strategy] Re: are we on fumes yet??

Re: [TSP_Strategy] Re: are we on fumes yet??

 

At the end of the day, i went 100 G. Todays daily candle has a long wick on it. Looks like a technical reversal. But where are the fundamentals at right now???? I dont know. When is the senate vote on the new tax bill?


On Wed, Nov 29, 2017 at 7:15 PM, 'Larry J. Hilliard' lj_hilliard@juno.com [TSP_Strategy]
<TSP_Strategy@yahoogroups.com> wrote:
 

I went 100% G today.

__._,_.___

Posted by: ryan smith <mashiach7@yahoo.com>
Reply via web post Reply to sender Reply to group Start a New Topic Messages in this topic ()

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.

.

__,_._,___