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Re: [TSP_Strategy] Ummm..  Awful quiet.

Re: [TSP_Strategy] Ummm.. Awful quiet.

 

That makes no sense, two years ago, Nov 20, 2016 SPX closed around 2,180, Jan 2018 SPX closed 2,695, Nov 21, 2018 SPX closed at 2,641. Now we are at 2,760.  I am no Einstein but the last three numbers are greater than 2,180 (two years ago).   

On Nov 20, 2018, at 9:10 AM, John Garcia jog_c21@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups..com> wrote:

 

@ Paul....….Yup!  I am wearing the same very bloody shirt.   Lost about 2 years worth of gains in the past few weeks!




On Tuesday, November 20, 2018 9:54 AM, "Paul Ditch pkditch@yahoo.com [TSP_Strategy]" <TSP_Strategy@yahoogroups.com> wrote:


 
No one commenting on the market happenings today? This week? I know it's up and down but geez. Lost a year and half worth of gains here... I know, I know, long term.


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Posted by: romansmr2@yahoo.com
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Re: [Non-DoD Source] [TSP_Strategy] Re: Ummm..  Awful quiet.

Re: [Non-DoD Source] [TSP_Strategy] Re: Ummm.. Awful quiet.

 

People still live 20 plus years after retirement.  I personally will never move to G (unless it's a Swing play to capture higher returns) since I think of our FERS pension as the "G Fund/Bond Like" account. 

Putting bonds on your TSP waters down your future potential growth.  But then I do understand that if you made your goals (you have $1M and believe you will only live 20 more years and only need $50K per year) then this scenario makes sense but inflation and potential gains would keep me up at night.



On Nov 20, 2018, at 9:03 AM, 'Gontko, Bernard C CIV DCMA EASTERN RC (US)' bernard.c.gontko.civ@mail.mil [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

On Fox news yesterday the Market analyst said with the climbing interest rates, and  trade wars due to recently impose tariffs, the market may continue its volatility into the next quarter.

 

Just some food for thought.   Personally, I'm retiring in 7 months, so I moved everything back into G for now.

 

 

 

From: TSP_Strategy@yahoogroups.com <TSP_Strategy@yahoogroups.com>
Sent: Tuesday, November 20, 2018 11:11 AM
To: TSP_Strategy@yahoogroups.com
Subject: [Non-DoD Source] [TSP_Strategy] Re: Ummm.. Awful quiet.

 

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I'm curious too. My TSP is bleeding.

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Posted by: romansmr2@yahoo.com
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[TSP_Strategy] L Fund Changes

[TSP_Strategy] L Fund Changes

 

Changes coming to the Lifecycle (L) Funds

Effective January 2019, the L Funds will increase exposure to international stocks (the I Fund) from 30% to 35% of the overall stock allocation in all L Funds. The L Income Fund stock allocation (C, S, and I Funds combined) will increase from 20% to 30% over a period of up to 10 years. The L 2030, L 2040, and L 2050 overall stock allocations will hold steady for a period of years before resuming their transitions from stocks to bonds. In addition to improving investment outcomes, this pause will align the L 2030, L 2040, and L 2050 Funds with the L 2060 Fund, which will be introduced in 2020 with an initial stock allocation of 99%.

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Posted by: sarah_oz@yahoo.com
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[TSP_Strategy] Secrets to a Financially Secure Retirement

[TSP_Strategy] Secrets to a Financially Secure Retirement

 

The Secrets to a Financially Secure Retirement

November 29, 2018

What is the best way to ensure a comfortable and enjoyable retirement? This week, I thought I'd share some observations I've made over the years about employees who end up with the same (and sometimes even greater) income during their retirement years than while they were employed.

These folks have been planning for retirement throughout the beginning, middle and pre-retirement stages of the federal careers. I sometimes meet employees who tell me they remember me from a retirement planning class they attended 20 years ago.

For those covered under the Federal Employees Retirement System, the Thrift Savings Plan has played an important role. These people have learned how to invest for the long term and what it means to diversify their investments among the G, C, F, S, and I Funds—or used the L Funds to automatically shift their investments as their careers progress. They have learned to tolerate a certain level of risk in order to obtain maximum results by not reacting emotionally to swings in market conditions.

FERS employees who have successfully leveraged their TSP accounts tend to have several things in common:

  • Those in higher income brackets are saving the maximum in their TSP accounts. The maximum employee contribution for 2019 is $19,000 plus an additional $6,000 in catch-up contributions if you're turning 50 or are already older than 50.
  • Those in lower income brackets are living with little or no consumer debt and have saved a minimum of 5 percent of their salary in the TSP.
  • In general, they haven't borrowed from their TSP account—or if they have, they didn't stop contributing while repaying their loan balance.

The TSP was designed to be an integral part of FERS, but many employees under the Civil Service Retirement System also have taken advantage of participating in the plan and putting away savings on a pre-tax basis. They now have a significant nest egg for retirement.

Successful planners who are married have considered the "what-if" situations about the future. For example:

  • They weigh the value and cost of the spousal survivor benefit election. This causes a reduction in your CSRS or FERS retirement of about 10 percent, but it can mean the difference between financial security and uncertainty for a surviving spouse.
  • They consider that a delay in claiming Social Security may be more important to a future surviving spouse than to a couple's short-term need for income. You may have other options than taking Social Security as soon as you can: delaying retirement, taking larger TSP distributions while waiting to claim Social Security, or embarking on a second career for a few years after your retirement from government. The difference between claiming at age 62 and waiting until age 70 is a benefit that is about 75 percent larger for the rest of your life and possibly later to the life of your surviving spouse.
  • They're wary of using life insurance as a substitute for a survivor benefit. Life insurance is very expensive to continue as a substitute for a survivor's annuity. Life insurance also doesn't carry a cost of living adjustment or a guaranteed lifetime payment stream. And life insurance is not protected under the spouse equity provisions of the law, so it can be canceled without spousal consent.

Single people who have successfully planned for retirement have considered the amount of income they will need for a retirement that could potentially last longer than their career. This means both adequate retirement savings and thinking about such considerations as the potential need for long-term care.

If you're a single woman, you may have a longer life expectancy than your male counterparts, and you also may have had lower lifetime earnings. This could translate into a need to save diligently for retirement and become a savvy investor. You need to put yourself first to ensure your financial independence before helping others.

Those who have successfully managed the retirement preparation process have another thing in common: They're realistic. They, may, for example, limit the financial assistance they provide to their children in retirement to protect their savings. And some of them find that working a little longer than they anticipated eases the future financial strain. Sometimes following the path to a comfortable retirement involves some hard choices.


November 29, 2018

https://www.govexec.com/pay-benefits/retirement-planning/2018/11/secrets-financially-secure-retirement/153155/


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Posted by: sarah_oz@yahoo.com
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[TSP_Strategy] Xmas Eve

[TSP_Strategy] Xmas Eve

 

Federal Employees Have a Good Chance of Getting Christmas Eve Off This Year

November 29, 2018

Federal employees who need time for last-minute holiday preparations may be in luck this year because Christmas Eve is on a Monday.

Presidents historically have granted civil servants an extra vacation day on December 24 when Christmas falls on a Tuesday, to make a four-day weekend. President Obama gave federal employees Christmas Eve off in 2012, the most recent year in which Christmas was on a Tuesday; President George W. Bush did the same in 2007 and 2001.

President Trump has yet to give federal employees extra time off around the holidays, but he has not been put to the test because Christmas Eve was already on a weekend (a Sunday) last year. That was his first Christmas in office.

Announcements granting the bonus day off have ranged from early December (December 5 and 6 under Bush) to later in the month (December 21 under Obama), so federal employees should be on the lookout starting next week.


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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)

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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.

SPONSORED LINKS
.

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