JULY 1st
Moderator: Aitrus
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Re: JULY 1st
Only to the extent that I might recommend them to somebody who is an adamant "set it and forget it" kind of investor who doesn't want to do their own re-balancing. They're better than the G Fund, and a far sight better than not saving at all.
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Re: JULY 1st
I plan to use 60 or 65. Think of it as a C.5 and S.5 (modified).
Moneys’ Money Making Money (4M)
Re: JULY 1st
If you want 50/50 C/S, why not just do that instead? The L Funds devote too much to the G and F Fund at all times, and so there are losses due to opportunity cost. The L Funds also devote too much to the I Fund, which is a poor performer for most of the year.
Combined, the L Fund strategy of using G/F/I year-round greatly dampens the returns that C/S bring to the table.
Combined, the L Fund strategy of using G/F/I year-round greatly dampens the returns that C/S bring to the table.
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Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
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Re: JULY 1st
No, not 50/50 C/S. Kind of a C.5 (modified C) and or S.5 (modified S).
Just a dirt cheap stock fund. The 60 will allocate 99% in equities.
I too don’t care for the I or F Fund. I just want the 60/65 for the price.
Just a dirt cheap stock fund. The 60 will allocate 99% in equities.
I too don’t care for the I or F Fund. I just want the 60/65 for the price.
Moneys’ Money Making Money (4M)
Re: JULY 1st
Ah, I see what you're saying. Sure, if it works for you and your investing goals, then I say go for it.
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Re: JULY 1st
I’ve tracked the 10 year fund performances over the past three years. I would not touch these or the new five year plans. Me versus L2040 or L2030 - huge difference - advice: compare to a good tspcalc formula and sit back, relax, and reap the rewards.
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L2065
ProduceMan wrote:I plan to use 60 or 65. Think of it as a C.5 and S.5 (modified).
Aitrus wrote:If you want 50/50 C/S, why not just do that instead? The L Funds devote too much to the G and F Fund at all times, and so there are losses due to opportunity cost. The L Funds also devote too much to the I Fund, which is a poor performer for most of the year.
Combined, the L Fund strategy of using G/F/I year-round greatly dampens the returns that C/S bring to the table.
ProduceMan wrote:No, not 50/50 C/S. Kind of a C.5 (modified C) and or S.5 (modified S).
Just a dirt cheap stock fund. The 60 will allocate 99% in equities.
I too don’t care for the I or F Fund. I just want the 60/65 for the price.
After looking at the fund allocations for the L2065 Fund, I change my view. I will use the 65 Fund as a modified I Fund instead (now more appealing).Aitrus wrote:Ah, I see what you're saying. Sure, if it works for you and your investing goals, then I say go for it.
Moneys’ Money Making Money (4M)
Fund Prices2024-05-13
Fund | Price | Day | YTD |
G | $18.25 | 0.04% | 1.58% |
F | $18.88 | 0.11% | -1.77% |
C | $81.80 | -0.02% | 10.00% |
S | $80.29 | 0.05% | 4.15% |
I | $42.83 | 0.10% | 6.58% |
L2065 | $16.32 | 0.03% | 7.94% |
L2060 | $16.32 | 0.03% | 7.95% |
L2055 | $16.32 | 0.03% | 7.95% |
L2050 | $32.63 | 0.04% | 6.60% |
L2045 | $14.87 | 0.04% | 6.27% |
L2040 | $54.26 | 0.04% | 5.98% |
L2035 | $14.32 | 0.04% | 5.62% |
L2030 | $47.62 | 0.04% | 5.28% |
L2025 | $13.17 | 0.04% | 3.59% |
Linc | $25.67 | 0.04% | 3.05% |