Re: [TSPStrategy] Rollover to IRA from TSP -

Under President Obama, the CPI went from 4% to 0.7% a __decline__ so literally, there was no reason for % raises, except greed

President Biden has and had to deal with the debacle the TFG OI left because the "pandemic would magically go away", so 1,000,000 American citizens died, many unnecessarily, due to not anticipating the pandemic and acting rapidly using plans already in place including a 167 page manual.

Pandemics occur regularly and there were detailed responses that were not implemented

SARS, MERS, various flu strains going far back in time

President Biden needed to use emergency powers to keep the economy from collapsing and such,  as you are aware,  so yes,  the CPI went up under President _Biden_ and will take awhile to recover, 

but we as Feds and retired Feds get steady incomes, steady paychecks

If you wish to further discuss this, I suggest we take it off line and not clutter up the TSP discussion

On Thursday, December 29, 2022 at 04:43:47 PM EST, judd <judd@ionsky.com> wrote:

Thanks for graphically demonstrating my point that the GAP between our raises and inflation have been largest under OBummer and Puddin'.

Nothing kills an average like a zero.

On Thu, 29 Dec 2022 15:49:16 +0000 (UTC), "winfield100 via groups.io" <winfield100=yahoo.com@groups.io> wrote:
 

 

Anyone else notice during President Obama's presidency the CPI dropped from around 4% to 0.7%, and we had a pandemic that started in late 2019/early 2020 that didn't "magically go away" that _may_ have affected the CPI among other things, like 1,000,000 deaths in the US

Here are Mr Judd's numbers in a coherent graphical form

The Feds got a large raise and the CPI went up. 

 

AT LEAST we got steady paychecks, unlike very many

(I'm still unsure what this has to do with TSP though, except a bit more to put in various funds)

 

a very merry christmas, happy holidays, happy hanukah, happy Kawanza, Happy Festivus for the rest of us, happy boxing day, etc etc and all the other holidays

 

 

 

On Wednesday, December 28, 2022 at 09:15:14 PM EST, judd <judd@ionsky.com> wrote:

 

 

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.

 

On Mon, Dec 26, 2022, 10:40 AM Del Brett <bretdelman@msn.com> wrote:

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.

 

 

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From: TSPStrategy@groups.io <TSPStrategy@groups.io> on behalf of ShaneBro via groups.io <s.guy75=yahoo.com@groups.io>
Sent: Thursday, December 22, 2022 8:54 AM
To: TSPStrategy@groups.io <TSPStrategy@groups.io>
Subject: Re: [TSPStrategy] Rollover to IRA from TSP -

 

 

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.

 

On Thursday, December 22, 2022 at 09:09:25 AM EST, Mermaid <mermaid99521@gmail.com> wrote:

 

 

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.