2022 TSP- Go Wrong- Stay Wrong?

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IRQVET
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2022 TSP- Go Wrong- Stay Wrong?

Post by IRQVET »

So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?

I’m 19 years from retirement, talk to me Goose . . .
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harpole
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by harpole »

IRQVET wrote: Mon May 09, 2022 9:24 pm So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?

I’m 19 years from retirement, talk to me Goose . . .
I say ride it out. You have a long time until retirement and if you look at how far down the S fund is from its 2021 high; this is a good entry point. How many years has the S fund (or C) ended the year at -25%? Not many.
Also, remember the Government knows what's best for all of us and is here to help.. :?

pjwaite
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by pjwaite »

If you move to G fund, then when are you going to move back into stocks? Likely you'll lock in your losses and miss the rebound. I agree with harpole, now is the time to get-in and stay-in.

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Billionair
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by Billionair »

Ride the wave. Even if it takes 1-2 years; put it in S and forget about it. Market will comeback eventually.
-What we do in Life, echoes in Retirement-

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12squared
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by 12squared »

IRQVET wrote: Mon May 09, 2022 9:24 pm So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?
As you are 50/50 G/S, why not wait until you are sure an upturn is underway, then go all in?
“The genius of investing is recognizing the direction of the trend — not catching the highs or the lows.”
- Dean Witter

"You'll have to adapt or you'll be out of style."
- Robert Smith

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IRQVET
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by IRQVET »

Thanks guys. Never been in the negative territory before, and its messing with me.
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Scarfinger
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by Scarfinger »

I did some Monte Carlo simulations with a downturn in the market for the first 5 years of a 10 year period and I always came out with a larger portfolio balance than if I didn't have a down turn. Anyone else see this? Maybe I am mistaken?
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

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jimcasada
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by jimcasada »

harpole wrote: Mon May 09, 2022 9:45 pm
IRQVET wrote: Mon May 09, 2022 9:24 pm So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?

I’m 19 years from retirement, talk to me Goose . . .
I say ride it out. You have a long time until retirement and if you look at how far down the S fund is from its 2021 high; this is a good entry point. How many years has the S fund (or C) ended the year at -25%? Not many.
From 90% S to 89% S IFT today? What's the thinking behind that???

harpole
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by harpole »

jimcasada wrote: Fri May 20, 2022 12:17 am
harpole wrote: Mon May 09, 2022 9:45 pm
IRQVET wrote: Mon May 09, 2022 9:24 pm So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?

I’m 19 years from retirement, talk to me Goose . . .
I say ride it out. You have a long time until retirement and if you look at how far down the S fund is from its 2021 high; this is a good entry point. How many years has the S fund (or C) ended the year at -25%? Not many.
From 90% S to 89% S IFT today? What's the thinking behind that???
We "were" up well over 1% for the day, so thought why not pocket it. If we continue to go down the following day, then I save 1%.
I may continue to pull 1% on up days for the remainder of May. The trend is still down...
Also, remember the Government knows what's best for all of us and is here to help.. :?

ProduceMan
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by ProduceMan »

jimcasada wrote: Fri May 20, 2022 12:17 am
harpole wrote: Mon May 09, 2022 9:45 pm
IRQVET wrote: Mon May 09, 2022 9:24 pm So I was trying not to ride the wave (short term earrings) but now I’m stuck in the deeply negative category. Do I cut ties and eat the loss, or ride it out and continue buying shares on the cheap?

I’m 19 years from retirement, talk to me Goose . . .
I say ride it out. You have a long time until retirement and if you look at how far down the S fund is from its 2021 high; this is a good entry point. How many years has the S fund (or C) ended the year at -25%? Not many.
From 90% S to 89% S IFT today? What's the thinking behind that???
Hi Jim, so you went 90 - 89 S, did the 1% go G
Also, where was the last 10, was it G?
Moneys’ Money Making Money (4M)

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IRQVET
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by IRQVET »

Geez, between the gas prices and the state of my 201K, not sure I can withstand much more of this build back better plan . . .
Last edited by IRQVET on Wed Jun 15, 2022 4:27 pm, edited 1 time in total.
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harpole
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by harpole »

IRQVET wrote: Tue Jun 14, 2022 8:56 pm Geez, between the gas prices and the state of my 204K, not sure I can withstand much more of this build back better plan . . .
I guess it's like construction; you have to demolish everything first before you build it back better...
Also, remember the Government knows what's best for all of us and is here to help.. :?

PhilJohn
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Re: 2022 TSP- Go Wrong- Stay Wrong?

Post by PhilJohn »

I got caught too. Just ride it out. Keep contributing as much as possible.

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Fund Prices2022-06-28

FundPriceDayYTD
G $16.93 0.01% 1.13%
F $18.60 0.02% -10.96%
C $58.12 -2.01% -19.21%
S $61.51 -2.03% -26.28%
I $32.40 -0.43% -17.85%
L2065 $11.97 -1.45% -19.56%
L2060 $11.97 -1.45% -19.55%
L2055 $11.97 -1.45% -19.55%
L2050 $24.96 -1.19% -16.87%
L2045 $11.50 -1.12% -15.88%
L2040 $42.43 -1.04% -14.79%
L2035 $11.34 -0.96% -13.58%
L2030 $38.22 -0.87% -12.29%
L2025 $11.20 -0.61% -8.57%
Linc $22.40 -0.34% -4.62%

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