Greetings
Moderator: Aitrus
Greetings
Hello,
I'm Phil and I'm very new to this. I started for the Feds in August of 09 (yay almost 8 year anniversary yay....). I grew up in the town where I work and never actually thought I would work here but I was close to finishing college and couldn't afford to keep working at places like Wal Mart. To my surprise, they called me about 3 months after I applied (when the economy had taken a huge dump; I don't "love" my job but consider myself VERY fortunate). There were a few years that I didn't invest in TSP largely because I just don't trust my employers (the government) and kind of think a total crash (like, Turkey level) is pretty imminent. But I decided that if the system does crash that badly, it is pretty irrelevant whether I lose all my money in TSP or keep my money and its not worth anything. So I started again a couple of years ago.
Until now I have invested all my money in the L2040 fund because that's what they say to do for when I'll likely retire (I have about 16 years until I can retire which, if things go how I hope I will because I want to teach in a college or university after) or I can go another 21 years, give or take a year. So I have a lot of time to try to make the most use of what is available and try to work the TSP system.
It was just yesterday that one of my coworkers was showing me this website and talking about how he'd been switching his TSP around and making pretty decent gains. So it was today I started looking in to how this stuff works. That said, I'll be having TSP fun starting today and I hope all goes well. Other than this introduction, I probably will not be posting much for a while because I am VERY new to all of this market shares stock stuff. But I also enjoy learning new things. Thanks to you all for the info I've already gotten and I look forward to checking out more.
Blessings,
Phil
I'm Phil and I'm very new to this. I started for the Feds in August of 09 (yay almost 8 year anniversary yay....). I grew up in the town where I work and never actually thought I would work here but I was close to finishing college and couldn't afford to keep working at places like Wal Mart. To my surprise, they called me about 3 months after I applied (when the economy had taken a huge dump; I don't "love" my job but consider myself VERY fortunate). There were a few years that I didn't invest in TSP largely because I just don't trust my employers (the government) and kind of think a total crash (like, Turkey level) is pretty imminent. But I decided that if the system does crash that badly, it is pretty irrelevant whether I lose all my money in TSP or keep my money and its not worth anything. So I started again a couple of years ago.
Until now I have invested all my money in the L2040 fund because that's what they say to do for when I'll likely retire (I have about 16 years until I can retire which, if things go how I hope I will because I want to teach in a college or university after) or I can go another 21 years, give or take a year. So I have a lot of time to try to make the most use of what is available and try to work the TSP system.
It was just yesterday that one of my coworkers was showing me this website and talking about how he'd been switching his TSP around and making pretty decent gains. So it was today I started looking in to how this stuff works. That said, I'll be having TSP fun starting today and I hope all goes well. Other than this introduction, I probably will not be posting much for a while because I am VERY new to all of this market shares stock stuff. But I also enjoy learning new things. Thanks to you all for the info I've already gotten and I look forward to checking out more.
Blessings,
Phil
Re: Greetings
Welcome, Phil! Lots of knowledgeable members here on the site, so don't hesitate to ask your questions. They'll certainly get answered.
Seasonal Musings 2022: viewtopic.php?f=14&t=19005
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
Re: Greetings
Welcome Phil! We were all in your moccasins in the past so don't sweat it. The more you read, the easier it gets. I would highly recommend starting with Aitrus's 2017 Seasonal Musings thread. It's a rather large thread, but the first several pages is where most of the meat is. It's IMHO quite honestly our required reading primer. I know it sure helped me a bit over a year ago when I started.
It can be found here: viewtopic.php?f=14&t=13214
We are a pretty decent community here and enjoy helping when we can. We all may not agree on everything, but I think making your and our TSP experience the best it can be is definately the priority.
Have fun and God Bless....
It can be found here: viewtopic.php?f=14&t=13214
We are a pretty decent community here and enjoy helping when we can. We all may not agree on everything, but I think making your and our TSP experience the best it can be is definately the priority.
Have fun and God Bless....
Those who 'abjure' violence can do so only because others are committing violence on their behalf.
Re: Greetings
Aitrus, I remember reading one of your posts from a few months back talking about the 5% and the 10% normal pullbacks that happen annually. I cant find it and was wondering if you had the link to that post. Thanks
Re: Greetings
Aw, shucks! Now you're making me blush.
Phil, my stuff isn't everything there is to know about using the TSP. Lots more information than that is out there floating around the forum. I just have a method that a lot of people here like to follow, so it gets talked about a lot. But thanks for the props, mmmbeer.
Phil, my stuff isn't everything there is to know about using the TSP. Lots more information than that is out there floating around the forum. I just have a method that a lot of people here like to follow, so it gets talked about a lot. But thanks for the props, mmmbeer.
Seasonal Musings 2022: viewtopic.php?f=14&t=19005
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
Re: Greetings
Jted1785 wrote:Aitrus, I remember reading one of your posts from a few months back talking about the 5% and the 10% normal pullbacks that happen annually. I cant find it and was wondering if you had the link to that post. Thanks
This might be what you were thinking of, Jted185: http://tspcenter.com/forums/viewtopic.php?f=14&t=13992&p=57058&hilit=paul#p57058
Or this one from 2016: http://tspcenter.com/forums/viewtopic.php?f=14&t=12247&p=48448&hilit=pullback+summer#p48448
Seasonal Musings 2022: viewtopic.php?f=14&t=19005
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus
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- Posts: 4330
- Joined: Tue Aug 19, 2008 8:51 pm
Re: Greetings
plang play the Fantasy Game. If you want to learn feet wet this is the best way to go. We all start with a hundred thousand dollars and sweat to make it more.
- Scarfinger
- Posts: 810
- Joined: Mon Jan 30, 2012 12:00 am
Re: Greetings
Read the seasonal musings and you will understand this post better.
Good Luck!
TSP Seasonal Strategies
Gclapper: FSCICFIFFCCS
1988 to 2015: CAGR 17.6383% / PNR 27 of 28
Jahby Basic Seasonal: SSCCCFCFFCCS
1988 to 2015: CAGR 16.8080% / PNR 26 of 28
Boltman’s: FFSSSFIFFCSI
1988 to 2015: CAGR 14.02% / PNR 23 of 28
Timboslice’s: FCSICFCFFCSS
1988 to 2015: CAGR 16.20% / PNR 26 of 28
(M3: F,S,C,I,C,F,I,F,F,C,C,S) *April is best month for I beating C and S funds
Mix... Jahby... CrispyZ.. *TMJ100.. Boltman.. Clapper
Jan... S Fund.. F Fund.. F Fund.. F Fund.. F Fund
Feb... S Fund.. S Fund.. C Fund.. F Fund.. S Fund
Mar... C Fund.. C Fund.. S Fund.. S Fund.. C Fund
Apr... C Fund.. C Fund.. I Fund.. S Fund... I Fund
May.. C Fund.. C Fund.. C Fund.. S Fund.. C Fund
Jun... F Fund.. F Fund.. F Fund.. F Fund.. F Fund
Jul.... C Fund.. C Fund.. C Fund.. I Fund.. I Fund
Aug... F Fund.. F Fund.. F Fund.. F Fund.. F Fund
Sep... F Fund.. F Fund.. F Fund.. F Fund.. F Fund
Oct... C Fund.. C Fund.. C Fund.. C Fund.. C Fund
Nov... C Fund.. C Fund.. S Fund.. S Fund.. C Fund
Dec... S Fund.. S Fund.. S Fund.. I Fund.. S Fund
Good Luck!
I am just an average Joe. I have no clue to what the market will do.
Paul Merriman 2 fund strat: (age - 25) x2.5 = TDF + balance into S fund or variation ofTimboSlice wrote: "People really need to stop overthinking this."
- Scarfinger
- Posts: 810
- Joined: Mon Jan 30, 2012 12:00 am
Re: Greetings
Here is a pretty picture of the strategies. I have this on my home and work computer:
viewtopic.php?f=14&t=13261
viewtopic.php?f=14&t=13261
I am just an average Joe. I have no clue to what the market will do.
Paul Merriman 2 fund strat: (age - 25) x2.5 = TDF + balance into S fund or variation ofTimboSlice wrote: "People really need to stop overthinking this."
Re: Greetings
mmmmmbeer wrote:Welcome Phil! We were all in your moccasins in the past so don't sweat it. The more you read, the easier it gets. I would highly recommend starting with Aitrus's 2017 Seasonal Musings thread. It's a rather large thread, but the first several pages is where most of the meat is. It's IMHO quite honestly our required reading primer. I know it sure helped me a bit over a year ago when I started.
It can be found here: viewtopic.php?f=14&t=13214
We are a pretty decent community here and enjoy helping when we can. We all may not agree on everything, but I think making your and our TSP experience the best it can be is definately the priority.
Have fun and God Bless....
Hey, thanks for the links and references (to all of you). I did actually read Aitrus's thread that you linked before posting here. I actually copy/pasted several of the seasonal approaches to a word document that I could print off so I don't have to log in here every time. I did the same with the 7653 calendar to look over and now, after reading through that thread further, did the same with the 10... whatever the number is. I might look into the fantasy TSP thing; I would suppose its a great way to learn without the fear of losing real money right? Thanks for the kind welcome everyone!
Re: Greetings
Scarfinger wrote:Here is a pretty picture of the strategies. I have this on my home and work computer:
viewtopic.php?f=14&t=13261
Great info. Easy to read.
Fund Prices2024-03-28
Fund | Price | Day | YTD |
G | $18.15 | 0.05% | 1.05% |
F | $19.08 | -0.06% | -0.74% |
C | $82.21 | 0.11% | 10.55% |
S | $82.43 | 0.30% | 6.92% |
I | $42.57 | -0.24% | 5.95% |
L2065 | $16.38 | 0.02% | 8.37% |
L2060 | $16.39 | 0.02% | 8.38% |
L2055 | $16.39 | 0.02% | 8.38% |
L2050 | $32.73 | 0.01% | 6.95% |
L2045 | $14.91 | 0.02% | 6.58% |
L2040 | $54.38 | 0.02% | 6.22% |
L2035 | $14.34 | 0.02% | 5.79% |
L2030 | $47.67 | 0.02% | 5.38% |
L2025 | $13.15 | 0.03% | 3.43% |
Linc | $25.61 | 0.03% | 2.82% |