Upcoming mutual fund window

General TSP Discussion.

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Bubba
Posts: 394
Joined: Thu Mar 05, 2020 3:40 am

Upcoming mutual fund window

Post by Bubba »

Dear all,

Sometimes it seems like I'm the only one stoked for the upcoming mutual fund window. Nevertheless, I think some of you might find the following interesting.

The company that will provide us the service is called Alight (got it from the FRTIB minutes from November).

General info:
https://alight.com/research-insights/se ... e-services

Directions on how to use it:
https://www.alightfinancialsolutions.co ... ochure.pdf

General info website:
https://www.alightfinancialsolutions.com/home.htm

The no fee fund list:
https://www.alightfinancialsolutions.co ... .pdf?ts=79
hint: not much useful here. Sadly. Maybe some suggestions from members here would be interesting. I only like one Baron fund. BREIX.

Here is the full list:
https://www.alightfinancialsolutions.co ... pdf?ts=219

Finally, here are the general costs:

https://www.alightfinancialsolutions.co ... pdf?ts=187

The fees are really, REALLY high. It's so odd given that in my own brokerage half these things are free and I can switch between funds monthly. No, here the switch is every 3 to 6 months and if I want to go the ETF/stock route that costs per purchase (assuming the TSP will allow for the purchase of ETFs/stocks).

I'm a bit shocked that the TSP board chose Alight instead of Fidelity, Schwab or Vanguard or some other, reputable brokerage. I guess this was expected.

Best,

Bubba

P.S. We still have to see what the TSP negotiated with Alight, but I'm not holding my breath.

Bubba
Posts: 394
Joined: Thu Mar 05, 2020 3:40 am

Re: Upcoming mutual fund window

Post by Bubba »

Funny, again I'm the only one posting here. I hope this is interesting to at least one other person on the forum. :)

As an added note, check out the reviews on Alight:

https://www.trustpilot.com/review/www.a ... om?stars=1

We have "much" to look forward to when we get that window...

User avatar
Scarfinger
Posts: 810
Joined: Mon Jan 30, 2012 12:00 am

Re: Upcoming mutual fund window

Post by Scarfinger »

Interesting. A lot of negative reviews. Will they be handling the TSP? Will this increased our cost structure? What are your take away from these changes?
I am just an average Joe. I have no clue to what the market will do.
TimboSlice wrote: "People really need to stop overthinking this."
Paul Merriman 2 fund strat: (age - 25) x2.5 = TDF + balance into S fund or variation of

Bubba
Posts: 394
Joined: Thu Mar 05, 2020 3:40 am

Re: Upcoming mutual fund window

Post by Bubba »

Scarfinger wrote: Thu Feb 18, 2021 12:31 pm Interesting. A lot of negative reviews. Will they be handling the TSP? Will this increased our cost structure? What are your take away from these changes?
I think the main impact is that investing outside the current funds (S, C, etc.) will be expensive. I'm not sure why the FRTIB made such a horrible decision. I do have a tiny sliver of hope that they will have given us a better deal, but that sliver is very, very small. Rotating funds seasonally can be very interesting, but the TSP made this much more difficult.

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Fund Prices2024-03-28

FundPriceDayYTD
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%

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