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TSP Center - The Thrift Savings Plan Community
 
"FantasyTSP™ and Discussion Forum for the Thrift Savings Plan Investor"
 
 
--- Member Statistics ---
12,554 members, 19 online
Newest member: jcjax
February 10
Lucia - Introduction
by  United States Lucia | 17 Comments

Fellow servicemembers/FERS civilians/all others,

Please allow me to introduce myself. I am a SSgt in the USAF with 8 years TIS. Last year, I reenlisted for 5 more years in the CENTCOM AOR.

I currently invest in the TSP that I started in 2009, a Roth IRA with Vanguard that I started in 2010, and an individual brokerage account, which I have used on and off since 2003. My allocation in Vanguard was 99% VGENX, a fund invested in 100% energy equities/1% cash in a MMA until 2014, when I reallocated to 100% VFIFX, the Retirement Fund for 2050. I have experienced limited success and many failures/lessons learned as an investor, and strive to improve my understanding through, among several avenues, this informative site and members like you.

My retirement investment strategy consists of several components.

1) $5500 allocated annually to Roth IRA contribution DCA on weekly basis 100% VFIFX. (passive)
2) $18000 allocated annually to Roth TSP. (hybrid passive-active, I will mostly follow the seasonal strategy or FantasyTSP annual leaders with small deviations and risks based off technical indicators and likelihood of positive or negative sentiment that will affect Mr. Market)
3) As much as possible into individual brokerage account. I sold nearly all my holdings last year as I was not sleeping well at night with the amount of risk I was taking. That was when I learned that the only thing worth investing more than a retirement is personal health; the value of a good night's sleep cannot be understated. From 2003-2015 I have held positions in T, XOM, ATVI, BPI, ARYC, KO, IAE, TZA, TNA, TVIX.
4) Real estate. I currently rent out a house in NE.

My Roth IRA is on autopilot until 2050 so the only goal I have for it is to maximize the contribution and not deviate from DCA/buy and hold.

My goal in TSP is to gain at least 1% per month and 12% per year. I failed last year.

My long term goal with the IBA is to invest in at least one solid growth stock that becomes the next AAPL, NFLX, GOOGL etc. I have had no success so far.

My rental property is taken care of by a property manager so the goal is to use the rental income to pay off the mortgage earlier.

I look forward to benefitting from your collective wisdom/guidance in our journey towards a well funded, fat and happy retirement. Good trading!




February 10
Potential S&P bounce off of support
by  United States Scarfinger | 14 Comments

This pattern looks similar to the Aug/Sept 2015 set up. This pattern was also similar to Nov 2008 **And it did not hold up. One main difference in 2008 was that the Momentum/Bollinger band squeeze broke out NEGATIVE (red).

This pattern depends on the Momentum/Bollinger band squeeze breaking POSITIVE (green). Also MACD going (+) with divergence increasing, Stoch RSI going into Oversold conditions.

***Only for discussion purposes. Just something I was looking at and my brain says it could be something to keep an eye on for an entry point. If an entry was made, extreme caution would be warranted.

https://www.tradingview.com/x/TzJecsAA/
Image
February 09
How Low Can it Go?
by  United States Relevant | 2 Comments

While the question is impossible to answer definitively, we can get some clues by looking at a monthly chart of the S&P 500 (C-Fund).
Image
February 09
Does the FED know they need to raise rates?
by  United States ArrieS | 6 Comments

I read a few days ago that Iran wants Euros for oil.

http://www.cnbc.com/2016/02/07/iran-wan ... sales.html

Since oil and commodities are traded in dollars, are we seeing this starting to unravel? This would lead to a large flood of dollars back into the US. Perhaps the FED keeps saying unemployment rate as an excuse to raise interest rates because they need a red herring? Can you imagine the possible implications if they said the dollars dominance is ending so they need to stop inflation before it's here? Just some thinking...




February 09
TSP Center Subscription (Scarfinger)
by  United States Scarfinger | 0 Comments

I have to attribute everything I know because of this site. I have been using it for 5 years now. Total free :)

This site has been so important and it provides such a great service for free. I can afford to donate 5$ a month.

Consider donating if you can afford it.

Blah, blah, blah. Hugs and kisses. Now get back to work!




February 08
Bonds are Flying - Gold is Flying
by  United States dcramer29 | 10 Comments

The fact that bonds and precious metals prices are going nuts tells me that something in the equity markets just broke.

Not to mention an unbelievable oil / commodities collapse along side a tremendous debt bubble.

Is panic setting in at this very moment ? I don't know, but there sure are some signals present that would suggest panic is near.




February 08
This Is Your Life Savings
by  United States BBBInvest | 13 Comments

**FULL DISCLOSURE: This is my personal and humble opinion, if you do not want to hear it please keep scrolling through posts**

I believe this site is a great resource for TSP members to communicate with one another to see what methods others are using to take full advantage of their TSP accounts. That's great.

But from everything I'm seeing there is a tremendous amount of trading going on in regards to TSP accounts. In fact, I believe people are putting far too much research and technical analysis into something that should be low upkeep.

Instead of trying to figure out what the market is going to do tomorrow I believe TSP members should be figuring out the following:

- What are my retirement goals?
- How much money will I need in retirement?
- Will my mortgage be paid off before retirement?
- How much monthly income will I receive if I were to retire today after fulfilling the necessary requirements?

These are just a few questions of many!

But here is my overall point. When I ask my subscribers what they plan to get out of their TSP accounts when they retire the answer I hear more often than anything is, "A lot of money."

Don't get me wrong, of course they want a lot of money but "a lot of money" is not a defined goal that one can sit down and strategically plan for. Quite frankly, the thought process of obtaining "a lot of money" often leaves individuals wandering blindly. They start hearing about other people's investment success and instantly think they need to be doing something more. Put simply, they start competing with others instead of competing with themselves.

Here is where I would usually plug a case study from our website but I'm not doing that today. I truly want people to sit down and contemplate what they want to obtain from their contributions to the Thrift Savings Plan.

If you don't take away anything from what I've said today then please take away this tidbit of advice...

Rome wasn't built in a day and fortunes are not made overnight. Instead of swinging for the fences, try to build wealth with very little risk and keep what you already have. In other words, focus on getting a little richer everyday.




 
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TSP Share Prices for Feb 9, 2016
    Close Day YTD
   G Fund $14.9508 +0.01% +0.24%
   F Fund $17.3064 -0.05% +2.07%
   C Fund $25.0341 -0.05% -9.17%
   S Fund $29.9402 -0.58% -15.03%
   I Fund $21.4463 -0.97% -10.99%
   L 2050 $13.6643 -0.35% -9.06%
   L 2040 $24.4690 -0.30% -7.91%
   L 2030 $23.3675 -0.26% -6.77%
   L 2020 $22.0741 -0.19% -4.89%
   L Income $17.4404 -0.08% -1.87%
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AGG (F Fund)
iShares Lehman Aggregate Bond (AGG)

S&P 500 (C Fund)
S&P 500 INDEX,RTH (^GSPC)

Wilshire 4500 (S Fund)
Dow Jones Wilshire 4500 Complet (^DWCPF)

EFA (I Fund)
iShares MSCI EAFE Index (EFA)