JULY 1st

For those topics that don't have a place in any of the other forums.

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ProduceMan
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JULY 1st

Post by ProduceMan »

Anyone interested in the new L Funds?
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Aitrus
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Re: JULY 1st

Post by Aitrus »

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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ProduceMan
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Re: JULY 1st

Post by ProduceMan »

I plan to use 60 or 65. Think of it as a C.5 and S.5 (modified).
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Aitrus
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Re: JULY 1st

Post by Aitrus »

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.
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Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
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ProduceMan
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Re: JULY 1st

Post by ProduceMan »

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.
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Aitrus
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Re: JULY 1st

Post by Aitrus »

Ah, I see what you're saying. Sure, if it works for you and your investing goals, then I say go for it.
Seasonal Musings 2021: viewtopic.php?f=14&t=18757
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus

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TopComm
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Re: JULY 1st

Post by TopComm »

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.

ProduceMan
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L2065

Post by ProduceMan »

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.
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.
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).
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Fund Prices2021-07-27

FundPriceDayYTD
G $16.63 0.00% 0.76%
F $21.11 0.24% -0.42%
C $66.04 -0.47% 18.12%
S $83.84 -0.93% 12.99%
I $38.76 -0.09% 9.52%
L2065 $14.18 -0.40% 14.24%
L2060 $14.18 -0.40% 14.24%
L2055 $14.18 -0.40% 14.24%
L2050 $28.84 -0.31% 11.74%
L2045 $13.16 -0.29% 11.05%
L2040 $48.00 -0.27% 10.38%
L2035 $12.68 -0.24% 9.59%
L2030 $42.19 -0.22% 8.80%
L2025 $11.94 -0.16% 7.01%
Linc $23.11 -0.07% 3.73%

Live Charts

Pending Allocations

Under development. For now, you may view Pending Allocations by going to "fantasy TSP" and selecting "Leaderboard sort" of "Pending Allocations".