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Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

As the last Group call, i am still on 100% S.Thank you for the information!On Sat, Feb 26, 2022 at 8:59 AM Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:On Fri, Feb 25, 2022 at 09:07 AM, Frank Lee wrote: Could you please send me the Web site?   Thank you!   L https://groups.io/g/TSPStrategy/topic/89363222...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

I remember back in the 2000s and 2010s when Sarah used to post detailed market analysis and would give some advance notice that a move was likely to be coming soon. Of course it was still a Yahoo group back then.She helped a lot of people for a long time with no advisory fees. It was very gracious...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

She moved to the S fund in Nov. or Dec. after being in the G fund for months.  Since she started this group there has not been much trying to time the market as we never averaged even one move in funds each year.  We use to compete to see who had the best return each quarter so she never...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

Sarah obviously followed some trend(s). Does anyone happen to know what she analyzed to predict what changes should be made? CottoOn Saturday, February 26, 2022, 10:20, alund24@gmail.com wrote:I don't believe there's a group allocation anymore. It used to follow Sarah but she's been MIA for months....
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

I don’t believe there’s a group allocation anymore. It used to follow Sarah but she’s been MIA for months. For know this group is just a place to speculate and share. A ship without a captain.  _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

On Fri, Feb 25, 2022 at 09:07 AM, Frank Lee wrote: Could you please send me the Web site?   Thank you!   L https://groups.io/g/TSPStrategy/topic/89363222 _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3258) | Reply To...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

Could you please send me the Web site?Thank you!LOn Thu, Feb 24, 2022 at 6:50 PM Mary Lou Hildreth <Mhildreth831000@gmail.com> wrote:Thanks.  MLOn Thu, Feb 24, 2022, 13:04 Del Brett <bretdelman@msn.com> wrote: If you click on your subscription at the bottom of the page you...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

Thanks.  MLOn Thu, Feb 24, 2022, 13:04 Del Brett <bretdelman@msn.com> wrote: If you click on your subscription at the bottom of the page you can check to see if anything is changed. -------- Original message -------- From: Mary Lou Hildreth <Mhildreth831000@gmail.com>...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

I don't know how others feel but I had enough losses in the last month to move everything to G. There's a lot going on in the world and until someone says "hey move the money to…",  I'm leaving it in the G for a bit. CottoOn Thursday, February 24, 2022, 14:22, winfield100 via groups.io <winfield100=yahoo.com@groups.io>...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

Group seems quietFirst 2 months have been not so goodOn Feb 24, 2022, at 7:03 AM, Mary Lou Hildreth <Mhildreth831000@gmail.com> wrote:Haven't seen an email from the group since 2/13.  Please reinstate my group membership if my email address was removed.  Thanks.Mary Lou Hildreth mhildreth831000@gmail.com...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

If you click on your subscription at the bottom of the page you can check to see if anything is changed. -------- Original message -------- From: Mary Lou Hildreth <Mhildreth831000@gmail.com> Date: 2/24/22 6:03 AM (GMT-06:00) To: TSPStrategy@groups.io Subject:...
[TSPStrategy] 2022: Rough Year for TSP With S Fund Down 13.3%. What Happens Next?

[TSPStrategy] 2022: Rough Year for TSP With S Fund Down 13.3%. What Happens Next?

From FedSmith: https://www.fedsmith.com/2022/02/23/2022-rough-year-for-tsp/  _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3252) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

I think it has been pretty quiet. _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3251) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact Group Owner | Unsubscribe [prefander.leadersworkshop@blogger.com]...
Re: [TSPStrategy] Was I Removed from TSP Strategy group

Re: [TSPStrategy] Was I Removed from TSP Strategy group

I believe 2/13/22 was the last communication. -=-=-=-=-=-=-=-=-=-=-=- Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3250): https://groups.io/g/TSPStrategy/message/3250 Mute This Topic: https://groups.io/mt/89363222/5159521 Group Owner: TSPStrategy+owner@groups.io Unsubscribe:...
[TSPStrategy] Was I Removed from TSP Strategy group

[TSPStrategy] Was I Removed from TSP Strategy group

Haven't seen an email from the group since 2/13.  Please reinstate my group membership if my email address was removed.  Thanks.Mary Lou Hildreth mhildreth831000@gmail.com _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3249)...
Gaslighting Is Not Real

Gaslighting Is Not Real

Introduction: what is gaslighting? Gaslighting is a form of emotional abuse in which a manipulator misleads and confuses their victim, causing them to question their own sense of reality. Gaslighting is most commonly used by abusers in order to have more...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Sarah was very active in this forum. This is her group. She moved us to here from Yahoo. When I was hacked and spammed this group ,I was kicked out(rightly so).Then I explained and rejoined the group thru her.I think something happened to her. Because she participated here and was very well organized...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Well said Tammy.Al Reble On Feb 12, 2022, at 4:59 PM, Tammy <truckie3@charter.net> wrote:Although I've only been a member of this group for about four years I have been very grateful for much of the information I've been able to receive from the interactions of the group members. I feel...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Thanks for the reminder Tammy. This is NOT Sarah's group. She will give her recommendation when she has one; otherwise, it's a discussion forum for those that have useful advice. This is sort of the message that is given when you join the list.On Sun, Feb 13, 2022 at 8:59 AM Tammy <truckie3@charter.net>...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Right now, looking at the market trends and uncertainty created by many factors including high inflation and Russia/Ukraine, my recommendation is to ride the market if you staid in S or C. No sense in getting out now and cut huge losses. The market always goes back up just don't panic.Two...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Although I've only been a member of this group for about four years I have been very grateful for much of the information I've been able to receive from the interactions of the group members. I feel inclined to remind the people who are inclined, to say disparaging things about Sarah, that this is...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Yes on Nov 1, 2021 about 3 and half months ago, Sarah said there was no major correction like she thought would happen in 2021.  She then moved from the G fund to the S fund.  I was out of town and ended up staying in the C fund but long term either will be just fine. ...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

There was a message a week or 2 back that Schwab SCHB mostly mirrors S Fund and Vanguard VTI fund mirrors C fund > On Feb 12, 2022, at 11:53 AM, Lynette Williams via groups.io <lynettewilliams22=yahoo.com@groups.io> wrote: > > The owner gave instructions to change allocation from G...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

The owner gave instructions to change allocation from G to S, why she didn't change it in the files I'm not sure, maybe she's done with the group hard to say, one thing is certain she doesn't interact anymore like she once did. -=-=-=-=-=-=-=-=-=-=-=- Groups.io Links: You receive all messages sent...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

It's active minus the owner who doesn't participate very much anymore. -=-=-=-=-=-=-=-=-=-=-=- Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3240): https://groups.io/g/TSPStrategy/message/3240 Mute This Topic: https://groups.io/mt/88907252/5159521 Group Owner:...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Is this group site still active? On Feb 12, 2022, at 7:52 AM, kb2018 via groups.io <kb2018=ymail.com@groups.io> wrote:Any reason why the current allocation in Files is still at 100%G? ...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Any reason why the current allocation in Files is still at 100%G? _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3238) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact Group Owner | Unsubscribe...
Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

OMG, could not stop laughing . . . _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3237) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact Group Owner | Unsubscribe [prefander.leadersworkshop@blogger.com]...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

I was normally 40 /40/20- C/S/I  but I moved a lot from S to C Jan 4th. Time will tell whether that was smart or not……….   From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of clyde.w.mclaren@gmail.com Sent: Friday, February 4, 2022 10:11 AM To: TSPStrategy@groups.io...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

I’ve kept my earnings in S but changed my allocation to 50% C and 50% S a few weeks back, hopefully to pull in some winnings. _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3235) | Reply To Group | Reply To Sender | Mute This Topic |...
Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

Wth lol. Respectfully, Damian CottoOn Friday, February 4, 2022, 11:49, Johnny <johnny.a.blades@gmail.com> wrote:If only we could hire some idle children to work docks for peanuts & drive some filthy glider semisthen we could import more artificially cheap sweatshop trinkets in a...
Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

If only we could hire some idle children to work docks for peanuts & drive some filthy glider semisthen we could import more artificially cheap sweatshop trinkets in a timely fashion and all would be well _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

People were talking about off topics things for so long that I missed the allocation statement. I am 60% C and 40% S. D. Cotto On Friday, February 4, 2022, 10:35:47 AM EST, <clyde.w.mclaren@gmail.com>...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Thanks so much for replying Clyde! _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3231) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact Group Owner | Unsubscribe [prefander.leadersworkshop@blogger.com]...
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

Re: [TSPStrategy] Current Allocation as of 2/4/2022?

We are still 100% S fund.  _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3230) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact Group Owner | Unsubscribe [prefander.leadersworkshop@blogger.com]...
Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

There is another major factor... California just had a law go into effect that requires trucks to meet new emissions standards.  Google California Truck Age Restrictions and see for yourself.  It wasn't so much of an issue during COVID but now, as we ramp back up to normal, it is becoming...
[TSPStrategy] Current Allocation as of 2/4/2022?

[TSPStrategy] Current Allocation as of 2/4/2022?

Can anyone please provide the current allocation as of 2/4/2022? Or update in Files? _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3228) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription | Contact...
Re: [TSPStrategy] How low to go.

Re: [TSPStrategy] How low to go.

SNAP was down 22% today but is up 58% after hours. SNAP is part of DWCPF which is the S fund. Fingers crossed that smaller tech prevails. _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3227) | Reply To Group | Reply To Sender | Mute This...
Re: [TSPStrategy] I missed the transfer notice

Re: [TSPStrategy] I missed the transfer notice

I am still in S from the last notice. And It does look like the file showing 100% G fund is out of date. So I may have not missed a G fund move notice it just was not updated.  Glad I did not move from S to G this week so far. _._,_._,_ Groups.io Links: You receive all messages sent...
Re: Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

This publication shows an example of what ukhamps has shared with us, namely that RMDs are computed by both regular TSP and Roth TSP balances: TSP Required Minimum Distribution Rules for Retired TSP Participants (myfederalretirement.com)   From: TSPStrategy@groups.io <TSPStrategy@groups.io>...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Good discussion, ukchamps. I retired 3-1/2 years ago as one of the TSP millionaires. But all of that was in the traditional TSP, none in Roth TSP. You mentioned that TSP includes your Roth balance when factoring RMDs. But since the Roth portion of your TSP account was already taxed,...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

last 2 yearsimg alt="Inline image" class="yahoo-inline-image" data-id="" draggable="false" src="cid:5d39ef2d-ba93-83c3-cf24-c43adcee7869@yahoo.com" style="max-width: 800px; width: 100%;" title="Inline image">last 6 months, looks like S is not doing so hot last 3 monthsimg alt="Inline image"...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

I see it the same way regarding mimicking the TSP funds with a brokerage. Right now my current brokerage also provides free planning/stress checks with MoneyGuidePro.I've brought up the Roth issue, which I understand surprises many. It surprised me the first time I learned...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

here is a first pass, quick and dirty of 10 years max data from NASDAQ. I expect data goes further backI see a similarity of all 4 except last 2 years, so will do and get backimg alt="Inline image" class="yahoo-inline-image" data-id="" draggable="false" src="cid:8761836b-08b7-82d3-50c4-92e24cb61dee@yahoo.com"...
Re: [TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

Re: [TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

I retired 12/31/12. I took 4% in 2013. Then after that I took a minimum of 1% less than I made the year before. There have only been two years that I went back to 4% due to loss.  That's my method, it works for me. I have not gone below my starting retirement tap value yet.  However if this...
Re: [TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

Re: [TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

If you're truly gonna go C and S. I would look up the average growth for the last twenty years and take about sixty percent of the average percentage.   In other words if you make 10% then take 6% just to be on the safe side on the down years. I would think that would be safe. I'm with you. I...
[TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

[TSPStrategy] Estimating TSP Balance growth rate over 30 year retirement

I'd like to ask especially those who have retired or are about to.  What percentage growth do (or did) you plug in to the annuity calculator to determine what you can safely take out monthly anticipating a 30 year retirement. I am sticking to the C and S Funds.  In general, people say 3%...
Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

My son is Navy and his commander reached out to make clear there are significant issues with supply chains across the board due to inaccessible ports and overwhelming waterway congestion due to Covid restrictions. Respectfully, Damian CottoOn Wednesday, February 2, 2022, 10:10,...
[TSPStrategy] Supply shortage

[TSPStrategy] Supply shortage

Not TSP but what is on this group these days.  Not gonna get political but I have definitely seen empty shelves. Cereal, chips and drinks at convenience stores, Luggage, etc. just to name a few.   Ships normally sit for less than 3 days at the 2 but ports but are now sitting up to 30...
Re: [TSPStrategy] How low to go.

Re: [TSPStrategy] How low to go.

The only place I've seen empty shelves is on tv, except for the normal holidays buying sprees. _._,_._,_ Groups.io Links: You receive all messages sent to this group. View/Reply Online (#3215) | Reply To Group | Reply To Sender | Mute This Topic | New Topic Your Subscription...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Probably not going to change your mind much, but TSP includes your roth balance when factoring Required Minimum Distributions.  Commercial accounts do not do this, relying solely on your traditional year end balance.  The Fees are lower on the commercial side.  Set up a Schwab account...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

How much more flexibility do you really need in retirement (and are willing to pay IRA fees to get)? Excerpt from the TSP Modernization Act article I referenced: Here's what's new:The option to take monthly, quarterly and annual installment payments;Ability to take unlimited post-separation,...
Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

Yes the TSP begrudgingly made the withdrawal process more flexible under the TSP Modernization Act.  The flexibilities TSP has compared to commercial withdrawal options is still way a lot to be desired.  Add that to the inflexible way they treat your assets for RMD and if you are doing a...
Re: [TSPStrategy] How low to go.

Re: [TSPStrategy] How low to go.

From an article in today's Yahoo Finance: The buy-the-dip crowd is circling the markets like a hungry shark does a wounded whale after a brutal January. "The equity market sell-off is overdone in our view, and we reiterate our call to buy the dip, particularly in cyclicals and small caps," said JPMorgan...
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