Every time I feel confident that I understand the logic and method of using TSPCalc along with the invaluable information gained in the forums on TSPCenter, I realize something just ins't clicking with me.
For example, I found strategy 7980 has been referenced in many forums. Do I correctly understand the concept that if the 7980 strategy were followed exactly as detailed in the calendar, the return for 2016 would have been 41.40%? If correct, would that mean that if someone followed the strategy between 2004 and 2016 the average yearly return would be 36.96%? Annual returns like that look great to me but I see many folks using strategies with much lower returns. Is that due to the lower standard deviations associated with lower annual returns and less volatility?
I am trying to find a strategy that is right for me--someone who has 11 years until retirement and is maxing out the contributions each year. I think I can handle a few bumpy years early on but the closer I get to retirement the smoother I want the seas to be.
Strategy Comprehension
Moderator: Aitrus
Strategy Comprehension
'Politicians and diapers must be changed often, and for the same reason.'
-Mark Twain
-Mark Twain
Fund Prices2024-04-17
| Fund | Price | Day | YTD |
| G | $18.19 | 0.01% | 1.25% |
| F | $18.68 | 0.50% | -2.85% |
| C | $78.62 | -0.58% | 5.72% |
| S | $76.27 | -0.89% | -1.07% |
| I | $40.66 | -0.17% | 1.19% |
| L2065 | $15.60 | -0.47% | 3.17% |
| L2060 | $15.60 | -0.47% | 3.18% |
| L2055 | $15.60 | -0.47% | 3.18% |
| L2050 | $31.39 | -0.35% | 2.57% |
| L2045 | $14.34 | -0.33% | 2.47% |
| L2040 | $52.43 | -0.31% | 2.41% |
| L2035 | $13.87 | -0.28% | 2.31% |
| L2030 | $46.25 | -0.25% | 2.24% |
| L2025 | $12.93 | -0.12% | 1.78% |
| Linc | $25.29 | -0.09% | 1.55% |