Here’s another strategy

[ProduceMan]

I would like to introduce my strategy.

1 - I wait until the gains from the activity page from the TSP website is to my comfort zone.

2 - say my balance is 1000 and 150 of the 1000 are my gains

3 - so that’s 15%. When I request an IFT, I only move 5-10% to the never losing G Fund

4 - so I’m leaving 90 - 95% in the money making funds

5 - then when there’s a nice dip in the C-S-I I IFT back from G

I’ve done this approach from 2012 - present and I haven’t had 1 Bad IFT

[Ruystar]

Why don't you share your FantasyTSP?

[ProduceMan]

This is my real account, maybe I’ll make a fantasy account soon.

[RonaldLWil]

I need more info

[Rothwell]

ProduceMan, tell me if I have this right:

I have $100,000 in the S-fund, the market does well and a couple of weeks later I have $101,000, a $1,000-dollar gain.

I then move the $1,000 dollar “profits” to the G-Fund.

A couple of weeks go by and now I have $99,000 in the S-fund, I then move the $1,000 in the G-fund back over to the S buying the shares at the lower value (sell high, buy low).

Rinse and repeat.

[Navig8tor]

ProduceMan, tell me if I have this right:

I have $100,000 in the S-fund, the market does well and a couple of weeks later I have $101,000, a $1,000-dollar gain.

I then move the $1,000 dollar “profits” to the G-Fund.

A couple of weeks go by and now I have $99,000 in the S-fund, I then move the $1,000 in the G-fund back over to the S buying the shares at the lower value (sell high, buy low).

Rinse and repeat.

Well, the end result of that math is you still have $100,000 >>> You're right back where you started.

[ProduceMan]

Rothwell, it depends on the share prices that got you to 100,000 in S Fund. But yes I believe that sounds good, even though you still end up with 100,000 you will have more S shares in the end. Because you locked in the 1000 S Fund value when you IFT’d then gained a little in the G then IFT the 1000+ back in S at a lower price. I think that sounds like a winner winner chicken dinner to me.

[ProduceMan]

Ronald, what info you need

[Octjan2]

Not sure I agree with the strategy of moving money to the G after the CSI has already dipped. That is called selling low and buying high. The name of the game is to achieve the opposite.

[ProduceMan]

None of our statements were real time, just examples. BTW, the examples were selling high and buying low.