Re: [TSPStrategy] S Fund

I closely follow my retirement monies, as it is _my_ retirement money that I am responsible for plus the govt kicks in a few % for free!

takes a few minutes every day.

I make graphs as it gives me a picture of what things are going on, although the black Swan of Covid was unexpected, the recovery was rapid from the notches in the graph

You can track your data also

TSP.GOV has all the data, free, updated around 7:30pm EST daily, you can take a few minutes, set up a spreadsheet, copy paste daily data after downloading the database into excel

I like to put 2 standard deviation bands around the data using a 20 day smoothing moving average to filter noise and get an idea of whats going on as the daily data seems to like to "Hug" the standard deviation band at times

I DO NOT TRADE and whatever i'm in, I'm 100% all in, as that is what I do.

what you do is up to you, not me, im just presenting what I do

On Thursday, November 18, 2021, 11:14:04 AM EST, Damian Cotto via groups.io <damian.cotto=yahoo.com@groups.io> wrote:

If advice is free, take it for that. When you pay someone to provide financial guidance you are paying for their education and experience to improve your odds of success, nothing more. I say thank you either way. 

Respectfully, 

Damian Cotto

On Thursday, November 18, 2021, 11:00, Arash Etemadi via groups.io <arashet=yahoo.com@groups.io> wrote:

I, too, only read articles here. 

My two cents is that how can one give the same advice about the investment strategy of a large group with mixed goals, risk levels, and financial situations? How can one tell the same thing to someone who is at the beginning of their career and will be contributing for 20 years, one who will do so for 2 years and a current retiree?

On Thursday, November 18, 2021, 09:24:13 AM EST, Nelson Garcia via groups.io <it2garcia=yahoo.com@groups.io> wrote:

Newbies, preservation of your TSP funds is better than loosing it specially during that uncertain time when she decided to switch to G in December. Base on my experience in following her and other defunct TSP paid groups I have more peace of mind in following her free advice.

On Nov 18, 2021, at 5:42 AM, Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:

On Wed, Nov 17, 2021 at 03:25 PM, Kurt Peterson wrote:

Can I please ask why everyone is so appreciative of Sarah's advice? I'm down a potential TON of retirement money because I stupidly followed her advice last December to bail on S and C funds and go all into G. I have much reluctancy to trust her. I don't know much about her other than she is supposedly some TSP guru, however, with a horrid track record of advice since I've known of her. 

She may be reluctant to do it after this past year, but she used to post her returns compared to those of other (paid) TSP advisory services. 

 

I know that she doesn't have a crystal ball.  I know that avoiding a loss is far more impactful than realizing a gain for the same amount.  If I were you, I'd read more of the articles that she shares and realize that there are different investing strategies that serve different needs, but not a single one of them can predict the future.  If you're looking for someone to tell you where to invest so that you can maximize returns and never have losses, well, you're going to be very disappointed no matter where you look for advice.