IFT Question

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evilanne
Posts: 2003
Joined: Thu May 14, 2015 6:52 pm

IFT Question

Post by evilanne »

I get the following message when trying to enter IFT for tomorrow: Time is up to submit interfund transfer for COB today. Press OK to return to Account Summary.

How long does this last or when can I enter IFT?

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evilanne
Posts: 2003
Joined: Thu May 14, 2015 6:52 pm

Re: IFT Question

Post by evilanne »

Appears to have been fixed now.

bad70nova
Posts: 245
Joined: Thu Oct 17, 2013 10:18 am

Re: IFT Question

Post by bad70nova »

Scared of the major funds, so breaking ranks a little and decided to 50 / 50 split. F / S. We will see how that works out, I was going to stay in F till mid feb, but decided to take a little risk early in hopes it pays off.

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evilanne
Posts: 2003
Joined: Thu May 14, 2015 6:52 pm

Re: IFT Question

Post by evilanne »

Good Luck Nova! Sounds like quite a few people are nervous these days.

TSPBuilder
Posts: 259
Joined: Tue Jun 19, 2012 2:14 pm

Re: IFT Question

Post by TSPBuilder »

bad70nova wrote:Scared of the major funds, so breaking ranks a little and decided to 50 / 50 split. F / S. We will see how that works out, I was going to stay in F till mid feb, but decided to take a little risk early in hopes it pays off.


I'd be curious how that works out for you. Most days they go opposite directions and therefore cancel out each other so I'd think you'd only make money when S outperforms F. Just my observations over the years. Anyone else see something different?

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TSPDave
Posts: 10
Joined: Mon Mar 03, 2014 6:09 am

Re: IFT Question

Post by TSPDave »

Builder,
I wouldn't say they cancel out. The average % difference is tremendous, big league. Kidding aside, it helps mitigate losses during huge market swing while reducing gain by less than 1/4 average. Anyhow, you can always move out or ride losses if you are in ICS, but with a mix in ones portfolio blood pressure tend to do better when hell break lose.
Date----------F------C-----S
02/16/16 -0.05% 1.68% 2.41%
02/12/16 -0.45% 1.96% 2.01%
02/11/16 0.12% -1.21% -1.27%
02/10/16 0.12% 0.01% 0.26%
02/09/16 -0.05% -0.05% -0.58%
02/08/16 0.42% -1.40% -2.35%
02/05/16 0.04% -1.84% -2.95%
02/04/16 0.07% 0.17% 0.68%
02/03/16 -0.09% 0.53% 0.43%
02/02/16 0.45% -1.86% -2.34%
02/01/16 -0.28% -0.04% 0.05%

upsydaisy2
Posts: 28
Joined: Wed Jul 05, 2017 12:38 am

Re: IFT Question

Post by upsydaisy2 »

I thought I would ask before I wind up with big fees. My question is do we get charged for each IFT we make? If so, would they be included with annual fees? I haven't noticed on my statements. Not even sure where to look. Any help would be greatly appreciated.

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mjedlin66
Site Admin
Posts: 1502
Joined: Wed Oct 02, 2013 7:51 pm

Re: IFT Question

Post by mjedlin66 »

upsydaisy2 wrote:I thought I would ask before I wind up with big fees. My question is do we get charged for each IFT we make? If so, would they be included with annual fees? I haven't noticed on my statements. Not even sure where to look. Any help would be greatly appreciated.


IFTs are free to you. The costs of doing business are built into the share prices periodically. Someone who makes 1 IFT in 10 years will pay the same "fees" as someone who does 2 IFTs a month. It won't ever be itemized because they just adjust the share price by like 0.003%.
Owner/creator of TSPcalc.com - "Know your numbers"

upsydaisy2
Posts: 28
Joined: Wed Jul 05, 2017 12:38 am

Re: IFT Question

Post by upsydaisy2 »

Thank you so much for your detailed explanation, mjedlin66. One less thing to worry about. I received very little information with my inherited TSP account. So I am learning as I go. Very thankful to have found this site – the best by far.

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Fund Prices2022-08-05

FundPriceDayYTD
G $16.98 0.01% 1.45%
F $19.05 -1.07% -8.80%
C $63.14 -0.15% -12.24%
S $67.93 0.74% -18.59%
I $33.31 -0.76% -15.55%
L2065 $12.78 -0.24% -14.10%
L2060 $12.78 -0.24% -14.10%
L2055 $12.79 -0.24% -14.09%
L2050 $26.41 -0.27% -12.04%
L2045 $12.13 -0.27% -11.26%
L2040 $44.61 -0.25% -10.41%
L2035 $11.88 -0.24% -9.47%
L2030 $39.88 -0.21% -8.47%
L2025 $11.54 -0.16% -5.76%
Linc $22.85 -0.12% -2.72%

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