The focus is now on ESG...not financial performance or metrics.
Anybody else notice the paltry, relative to inflation, "raise" we got the past few years? Note since the CPI Inflation is "Backward Looking" and the Base Pay Raise is denoted as for the coming year, but is based on the most recent year's inflation, I used the offset years as noted below as Base Pay Raise Year / CPI Inflation Year.
Year Base Pay Raise % CPI Inflation % % Increase in Pay Gap
23/22 4.1 7.7 88
22/21 2.2 7.5 241
21/20 1.0 2.5 150
20/19 2.6 1.7 -35
19/18 1.4 1.9 36
18/17 1.4 2.1 50 17/16 1.0 2.1 110
16/15 1.0 0.7 -30
15/14 1.0 0.8 -20
14/13 1.0 1.5 50
13/12 0.0 1.7 O-Bummer
12/11 0.0 3.0 Big O-Bummer
11/10 0.0 1.5 O-Bummer
10/09 1.5 2.7 80
09/08 2.9 3.8 31
08/07 2.5 4.1 64
07/06 2.2 3.23 47
Seems to me ol' Archie Bunker was more focused on helping his employees keep up with inflation than Bunny Herded President Puddin' or his old boss who for 3 years spit in our hand when we had it out.
On Wed, 28 Dec 2022 19:43:01 -0500, "winfield100 via groups.io" <winfield100=yahoo.com@groups.io> wrote: I have none of my data from prior to the changeover to the new system
It is almost impossible to find my number of shares
I have complained
More people need to complain
"Where the hell is my old data
Where the hell are my transactions prior to new system
Someone screwed up big time
At least I can get historical price data
On Dec 28, 2022, at 7:22 PM, JOHN WATTS <johnnasa2035@outlook.com> wrote:
The new system is horrible.
When the new system was first stood up I went online to pull up my past 12 months of inter-fund transfer history. To my SHOCK this information was not and is not available. Two months ago the same problem existed - no historical data.
(Over the past 12 months I slowly moved funds for the equity funds to the G Fund. I would like to monitor my re-entry price points.)
In response to the lack of data I called and spoke with a representative. I was told that TSP would send me the data I requested on my account. Months later I am still waiting for the data.
If this crappy service happened at Wells Fargo you know that some congressional committee would demand a solution from the bank leadership.
Has any one else had a similar experience?????
On Dec 26, 2022, at 1:43 PM, MD2018 via groups.io <rlkane.wc=verizon.net@groups.io> wrote:
My funds are still in TSP but was considering moving in the future to Vanguard. VG does give you move more fund types to choose from, but for comparison it looks like only the Index 500 at VG compares well with C fund. TSP wins in the other funds.
VG 500 Index Admiral expense ratio is 0.04%(compares with C fund expense 0.042% + invest exp of 0.001%)
VG Federal Money Market fund expense ratio is 0.11% (compares with G fund expense 0.043%)
VG Extended Market Index expense ratio 0.34% (compares with S fund expense 0.043% + invest exp of 0.016%)
VG Total Bond Fund Index expense ratio is 0.05% (compares with F fund expense 0.043%+ invest exp of 0.015%)
On Monday, December 26, 2022 at 01:05:15 PM EST, Sherry Bauer <sherry.bauer@gmail.com> wrote:
I was glad to see this reply from you. I've often thought the same thing. Once you deduct those fees from brokerage places, your earnings go down considerably. I've been retired for 10 years and wouldn't even think of moving my money out of TSP.
Been investing in TSP and lots of other places for years and you won't find a better deal than TSP in the long run for yearly fees and the other side of the TSP fence looks greener at times but its not! Would dare you to show its better other places with Proof lol not going to happen as no one beats the fees even though people try to say they do. Lots of new options are opening at TSP not saying they are a better deal. Nothing is different at TSP when you retire other than you don't add your own money. You are completely wrong on everything lol.
Once retired, TSP is an inefficient nightmare designed to make your life as complicated as possible. Its a roach motel with few options and they don't want U to leave and have better opportunities elsewhere.
Looking into moving 401K out of TSP to a self directed IRA and I am surprised of the method of which the money is delivered to the brokerage.... by USPS. They will not even overnight the check. Simple USPS from what I am told when I call TSP support. Has anyone had experience with an in kind rollover to another brokerage. Thank you.
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