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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

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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 of her to do that for all the years that she did. In recent years posts from her became less and less frequent.

All we can do is speculate about what is happening with her. 

I hope she is well. 
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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 wanted everyone to follow the group or her allocation.  I honestly think when she moved to the G fund and lost lots of money it was kind of embarrassing when the C and S fund performed good.  I happened to be out of town, didn't move funds and stayed in the the C fund and made lots of money.  She made me a moderator back around 2006 when I never knew what that was just starting the internet groups activity.  I think Sarah will be back unless something bad happened to her and it could of since we lose 2000 people a day from just the virus.


From: TSPStrategy@groups.io <TSPStrategy@groups.io> on behalf of alund24@gmail.com <alund24@gmail.com>
Sent: Saturday, February 26, 2022 9:20 AM
To: TSPStrategy@groups.io <TSPStrategy@groups.io>
Subject: 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. 
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? 

Cotto

On 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. For know this group is just a place to speculate and share. A ship without a captain. 
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. 
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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
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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!

L

On Thu, Feb 24, 2022 at 6:50 PM Mary Lou Hildreth <Mhildreth831000@gmail.com> wrote:
Thanks.  ML

On 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>
Date: 2/24/22 6:03 AM (GMT-06:00)
Subject: [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 

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

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

Thanks.  ML

On 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>
Date: 2/24/22 6:03 AM (GMT-06:00)
Subject: [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 

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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. 

Cotto

On Thursday, February 24, 2022, 14:22, winfield100 via groups.io <winfield100=yahoo.com@groups.io> wrote:

Group seems quiet
First 2 months have been not so good


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

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

Group seems quiet
First 2 months have been not so good


On 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 
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] 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 
[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/ 
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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.
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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.


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[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 
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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 control over the victim. The abuser will often try to convince the victim that they are being too sensitive or paranoid when they question what's been done to them.



Gaslighting is a form of mental abuse where the victim's sense of reality is threatened by a person, making them question their own thoughts and feelings to the point that they are not sure what is real anymore. Gaslighting often begins with subtle but noticeable changes in normal behaviors or routines. These seemingly small changes may be difficult for the victim at first, but gradually become so abusive that it takes over their life.



Gaslighting is a form of emotional abuse and manipulation that can be dangerous to both psychological and physical wellbeing. The term originates from the 1938 play Gas Light, where the term was used to describe the dimming of gas lights in a house caused by somebody looking for hidden treasure. In this context, it means somebody who psychologically manipulates others into doubting themselves and their judgement, causing them to question their authenticity.



How can you identify gaslighting?



Gaslighting is an extremely manipulative tactic that makes the victim doubt their own perception of reality. Gaslighting can also happen to people who are not victims by accident, but rather by feelings of inadequacy. Gaslighting can present itself in different ways, but it is often done through subtle manipulation, confusing facts or events, and making the victim think they are crazy. It's important to know what to look for so you can identify gaslighting in your life.



Gaslighting is a manipulative tactic that often leaves victims feeling confused, isolated, and ungrounded in their perspective of reality. The abuse can be deliberate or unintentional. Gaslighting usually begins with small actions like occasional comments or the person telling the victim they are wrong about their perception of events to make them feel like they are going crazy.



How does it impact a person's self esteem and social interactions?



Gaslighting is a common form of emotional abuse in which one person, usually in a position of power, tries to manipulate the other person. The abuser constantly pushes the victim's sanity and perception of reality, while convincing them that their thoughts are completely irrational. This kind of manipulation can lead to many side effects on an individual, including low self-esteem and social isolation.



Gaslighting is a form of emotional abuse that can have a significant impact on a person's self esteem and social interactions. Gaslighting occurs when someone is manipulated into believing they are misremembering, misunderstanding, or overreacting to something. A person who has been gaslighted may have an increased sense of self-doubt, undue sensitivity to social cues, and have trouble relating to others.



Conclusion: how do you stop gaslighting?



Gaslighting is a form of emotional abuse that makes it difficult for victims to trust their own memory, perception, and sanity. It's hard to comprehend just how difficult gaslighting can be until you've experienced it firsthand, but there are steps you can take to protect yourself and others from gaslighting.



Gaslighting is a form of emotional abuse that often goes unrecognized by the victim. To stop gaslighting, be aware of your own feelings and what your partner does to make you question them. Take some time for yourself; step away from the situation and try to be objective about it. If you feel like you're being gaslighted, ask a close friend or family member if they see what you're going through.









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 and professional.I always thought she was going to convert tspstrategy into a pay service,but she didn't.Why would she turn her efforts into a ghost lobster trap. Causing her followers to be miss lead. My only conclusion is something happened. I wish her well. But waiting for the "Great pumpkin" to appear is nuts.   
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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 inclined to remind the people who are inclined, to say disparaging things about Sarah, that this is not a group that we pay for services nor does Sarah receive a salary for her recommendations. The strength of this group lies in the fact that were all able to freely exchange information and choose of our own volition whether or not to take the recommendations offered up.

It's easy to cast stones but no one here really knows what is going on in Sarah's life. She could be extremely ill or she could have a family member that she is caring for and that is taking her away from the interactions that she used to have with our group. Despite the reason for her seeming "absence" if anyone here is not happy with recommendation/suggestions/Information sharing, perhaps those people would be better served in a group where they pay for TSP investment guidance services. 

Just my thoughts.  Would appreciate it if no one chooses to shoot the messenger.

Tammy


On Feb 12, 2022, at 8:47 AM, Lynette Williams via groups.io <lynettewilliams22=yahoo.com@groups.io> wrote:

It's active minus the owner who doesn't participate very much anymore.





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> 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 inclined to remind the people who are inclined, to say disparaging things about Sarah, that this is not a group that we pay for services nor does Sarah receive a salary for her recommendations. The strength of this group lies in the fact that were all able to freely exchange information and choose of our own volition whether or not to take the recommendations offered up.

It's easy to cast stones but no one here really knows what is going on in Sarah's life. She could be extremely ill or she could have a family member that she is caring for and that is taking her away from the interactions that she used to have with our group. Despite the reason for her seeming "absence" if anyone here is not happy with recommendation/suggestions/Information sharing, perhaps those people would be better served in a group where they pay for TSP investment guidance services. 

Just my thoughts.  Would appreciate it if no one chooses to shoot the messenger.

Tammy


On Feb 12, 2022, at 8:47 AM, Lynette Williams via groups.io <lynettewilliams22=yahoo.com@groups.io> wrote:

It's active minus the owner who doesn't participate very much anymore.





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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 weeks ago I moved $200k I had sitting in G to S and C. I had about 30% sitting in G making a few pennies a day. I bought at a bargain price. Not at its lowest but close. I'm standing to gain quite a bit when the market goes back up to its record levels or close to it. 

Right now I'm 50/50 C/S.

Good luck to all. 

Thanks,

JP

On Saturday, February 12, 2022, 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 inclined to remind the people who are inclined, to say disparaging things about Sarah, that this is not a group that we pay for services nor does Sarah receive a salary for her recommendations. The strength of this group lies in the fact that were all able to freely exchange information and choose of our own volition whether or not to take the recommendations offered up.

It's easy to cast stones but no one here really knows what is going on in Sarah's life. She could be extremely ill or she could have a family member that she is caring for and that is taking her away from the interactions that she used to have with our group. Despite the reason for her seeming "absence" if anyone here is not happy with recommendation/suggestions/Information sharing, perhaps those people would be better served in a group where they pay for TSP investment guidance services. 

Just my thoughts.  Would appreciate it if no one chooses to shoot the messenger.

Tammy


On Feb 12, 2022, at 8:47 AM, Lynette Williams via groups.io <lynettewilliams22=yahoo.com@groups.io> wrote:

It's active minus the owner who doesn't participate very much anymore.





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 not a group that we pay for services nor does Sarah receive a salary for her recommendations. The strength of this group lies in the fact that were all able to freely exchange information and choose of our own volition whether or not to take the recommendations offered up.

It's easy to cast stones but no one here really knows what is going on in Sarah's life. She could be extremely ill or she could have a family member that she is caring for and that is taking her away from the interactions that she used to have with our group. Despite the reason for her seeming "absence" if anyone here is not happy with recommendation/suggestions/Information sharing, perhaps those people would be better served in a group where they pay for TSP investment guidance services. 

Just my thoughts.  Would appreciate it if no one chooses to shoot the messenger.

Tammy


On Feb 12, 2022, at 8:47 AM, Lynette Williams via groups.io <lynettewilliams22=yahoo.com@groups.io> wrote:

It's active minus the owner who doesn't participate very much anymore.





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.






-------- Original message --------
From: "Lynette Williams via groups.io" <lynettewilliams22=yahoo.com@groups.io>
Date: 2/12/22 10:53 AM (GMT-06:00)
To: TSPStrategy@groups.io
Subject: 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.





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 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.
>
>
>
>
>



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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.


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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.


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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?
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Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

OMG, could not stop laughing . . .
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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
Subject: [EXTERNAL] 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.

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.
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Re: [TSPStrategy] Supply shortage

Re: [TSPStrategy] Supply shortage

Wth lol. 


Respectfully, 

Damian Cotto

On 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 semis

then we could import more artificially cheap sweatshop trinkets in a timely fashion and all would be well
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 semis

then we could import more artificially cheap sweatshop trinkets in a timely fashion and all would be well
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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> wrote:


We are still 100% S fund. 
Re: [TSPStrategy] Current Allocation as of 2/4/2022?

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

Thanks so much for replying Clyde!
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Re: [TSPStrategy] Current Allocation as of 2/4/2022?

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

We are still 100% S fund. 
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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 an issue.
 


On Wed, 2 Feb 2022 15:52:52 +0000 (UTC), "Damian Cotto via groups.io" <damian.cotto=yahoo.com@groups.io> wrote:

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 Cotto
 

On Wednesday, February 2, 2022, 10:10, Parnell, Kevin (USMS) via groups.io <Kevin.parnell=usdoj.gov@groups.io> wrote:

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 days.  Only small ships that can fit through the Panama Canal can go to the other coast and that adds 5 plus days of time, fuel, and manpower.  Additionally, there is a truck driver shortage and a back order worldwide for semi trailer axels. 
 
I am not going to speculate on the whys?
 
So u have the facts. 
 
Best regards,
 
Kevin S. Parnell
Supervisory Deputy U.S. Marshal
District of Arizona - Tucson
602-828-8148
 
On Feb 2, 2022, at 7:34 AM, dilywy@gmail.com wrote:
 
The only place I've seen empty shelves is on tv, except for the normal holidays buying sprees.
 
 
[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?
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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.
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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.
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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> On Behalf Of Jim Budinger via groups.io
Sent: Wednesday, February 2, 2022 1:02 PM
To: TSPStrategy@groups.io
Subject: [EXTERNAL] 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, doesn't that help reduce the taxable amount of your RMD that year? 

 

Traditional or Roth, Uncle Sam will take his tax share at some point. You can decide when you THINK your tax rate will be more favorable over your lifetime. But don't forget that Congress can easily impact your best laid tax plans whenever they change the tax code, like they did in 2017! 

 

 

On Wed, Feb 2, 2022 at 7:27 AM ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:

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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.

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, doesn't that help reduce the taxable amount of your RMD that year? 

Traditional or Roth, Uncle Sam will take his tax share at some point. You can decide when you THINK your tax rate will be more favorable over your lifetime. But don't forget that Congress can easily impact your best laid tax plans whenever they change the tax code, like they did in 2017! 


On Wed, Feb 2, 2022 at 7:27 AM ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:
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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.

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Re: [TSPStrategy] Staying/Leaving TSP Upon Retirement

last 2 years
Inline image
last 6 months, looks like S is not doing so hot last 3 months
Inline image
last 3 months. at a glance, both VTI and SCHB look a bit better, but 
add linear regression trendlines and things get clearer
Inline image



On Wednesday, February 2, 2022, 07:27:53 AM EST, ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:


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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.
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 about it.

Finally, there's also the bureaucracies and extra processing. Outside of the TSP, legacy (estate) planning and processing is much easier. The last thing I'd want is for my beneficiaries having to deal with extra processing and bureaucracies via the TSP. It's complicated enough with stretch IRAs gone. Also, many forms including when dealing with withdrawals require TSP forms to be notarized.



On 2/2/22 at 7:27 AM, ukchamps29_1999 via groups.io wrote:

From: "ukchamps29_1999 via groups.io" <ukchamps29_1999=yahoo.com@groups.io>
Date: February 2, 2022
To: TSPStrategy@groups.io
Cc:
Subject: 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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.

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 back
I see a similarity of all 4 except last 2 years, so will do and get back
Inline image


On Wednesday, February 2, 2022, 07:27:53 AM EST, ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:


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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.
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 year keeps going the way it is, I may!!! YUCK!!!


On Feb 2, 2022, at 10:17 AM, Carlos Miranda <mirandarts@gmail.com> wrote:

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 think the standard 4% rule is too low if you're not all in. 

Carlos Miranda
Mirandarts@gmail.com

On Feb 2, 2022, at 11:10 AM, Steven Vitto <squillante@gmail.com> wrote:



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% but  many people say 7 to 10%. Obviously, no one correct answer but I wonder what most people plan on - what can relatively safely be planned on. The difference between 3 and 10% is huge for a monthly annuity estimate. Thank you.
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 think the standard 4% rule is too low if you're not all in. 

Carlos Miranda
Mirandarts@gmail.com

On Feb 2, 2022, at 11:10 AM, Steven Vitto <squillante@gmail.com> wrote:



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% but  many people say 7 to 10%. Obviously, no one correct answer but I wonder what most people plan on - what can relatively safely be planned on. The difference between 3 and 10% is huge for a monthly annuity estimate. Thank you.
[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% but  many people say 7 to 10%. Obviously, no one correct answer but I wonder what most people plan on - what can relatively safely be planned on. The difference between 3 and 10% is huge for a monthly annuity estimate. Thank you.
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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 Cotto

On Wednesday, February 2, 2022, 10:10, Parnell, Kevin (USMS) via groups.io <Kevin.parnell=usdoj.gov@groups.io> wrote:

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 days.  Only small ships that can fit through the Panama Canal can go to the other coast and that adds 5 plus days of time, fuel, and manpower.  Additionally, there is a truck driver shortage and a back order worldwide for semi trailer axels. 

I am not going to speculate on the whys?

So u have the facts. 

Best regards,

Kevin S. Parnell
Supervisory Deputy U.S. Marshal
District of Arizona - Tucson
602-828-8148

On Feb 2, 2022, at 7:34 AM, dilywy@gmail.com wrote:

The only place I've seen empty shelves is on tv, except for the normal holidays buying sprees.
[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 days.  Only small ships that can fit through the Panama Canal can go to the other coast and that adds 5 plus days of time, fuel, and manpower.  Additionally, there is a truck driver shortage and a back order worldwide for semi trailer axels. 

I am not going to speculate on the whys?

So u have the facts. 

Best regards,

Kevin S. Parnell
Supervisory Deputy U.S. Marshal
District of Arizona - Tucson
602-828-8148

On Feb 2, 2022, at 7:34 AM, dilywy@gmail.com wrote:

The only place I've seen empty shelves is on tv, except for the normal holidays buying sprees.
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.
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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 is free, and place your holdings in an ETF costs nothing.  The expenses on those funds are .03% but you pay nothing, like the TSP they magically are paid and factored into share price.  Vanguard, Fidelity, etc all a similar story. 

Shop around and make an informed decision, but don't rely on TSP brainwashing that says they have the lowest fees around.  They have actually become quite more expensive than commercial offerings over the last 20 years.

Keep in mind, I am not advocating you pay a firm a 1% management fee of your assets, unless you find the management fee is offset by much higher returns.   Know there are options out there without management fees tied to them and less fees than TSP.  

It would be interesting if one of the chart gurus could plot VTI and SCHB vs C, S and I offerings of the TSP.
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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, partial withdrawals;
  • Ability to take partial withdrawals and installment payments simultaneously;
  • Option to choose the source of withdrawal payments, including traditional, Roth or both;
  • Up to four age-based, in-service withdrawals at age 59-and-a-half or older; and,
  • An end to contribution suspensions if a participant takes a hardship withdrawal.

"They're going to really encourage federal employees who are still working — if they're over 59-and-a-half and also those who have left federal service, whether they've resigned or retired — the ability to manage their TSP in retirement by leaving it there rather than having to move it to an [individual retirement account] IRA or some other place to have the flexibility that they have wanted," Tammy Flanagan, a federal retirement benefits specialist, said in an interview on the Federal Drive with Tom Temin


On Tue, Feb 1, 2022, 5:04 PM ukchamps29_1999 via groups.io <ukchamps29_1999=yahoo.com@groups.io> wrote:
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 Roth option, there really is no reason to stay.  Each person needs to do the research and make their own informed decision with what they are comfortable with.

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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 Roth option, there really is no reason to stay.  Each person needs to do the research and make their own informed decision with what they are comfortable with.
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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 strategist Marko Kolanovic in a new research note. 
Seems promising for us S-fund stuckies...

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