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Retirement Planning


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Stupified  
#1 Posted : Tuesday, February 14, 2017 6:05:16 AM(UTC)

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Full balance is now split with 75% in C and 25% in L2020. I like the rise, but don't want to ride the fall that may be coming sooner than later. But who knows for sure?

Thinking about splitting some off to L Income, L 2020 or both. Maybe 50/50 between those two or in thirds between the three so there will still be some active C rise.

I've only pulled a partial so far and will probably start monthlies at the end of '17 or start of '18.

Thoughts?

Edited by user Tuesday, February 14, 2017 6:15:42 AM(UTC)  | Reason: Not specified

NotSure1962  
#2 Posted : Tuesday, February 14, 2017 6:44:58 AM(UTC)
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After some research I learned that only 8 times since 1950 has Jan ended in gains without a single day in January losing or gaining 1%. In 7 of those 8 years the average market gain for the rest of the year was 15% or greater. Personally I think 2017 will be a great year. We are due for one as the past 2 have been sub par....I have my TSP % set up as this.....10-I 10-C 10-S 25-2050 25-2040 and 20-2030. My plan is to leave it alone and if a correction comes of greater than 3% I will move the L funds over to C S and I to try and catch the bounce.

My last 12 month return % was 19% thanks to that incredible bounce after the election. I feel bad for the folks that hunkered down in the G thinking that a Trump win would be bad...they have certainly missed out...
Stupified  
#3 Posted : Tuesday, February 14, 2017 7:04:04 AM(UTC)

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I just glanced at my PIP and I think it was around 17% as of February. I hate to pull things and lose any possible gains, but I can't really take a crash either.

I'm thinking 40 C, 30 L-Income and 30 L-2020

S has done better than C recently also. Makes me wonder about putting some there for a while. Maybe something like 25 - 25 - 25 - 25.



NotSure1962  
#4 Posted : Wednesday, February 15, 2017 6:36:25 AM(UTC)
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Originally Posted by: Stupified Go to Quoted Post
I just glanced at my PIP and I think it was around 17% as of February. I hate to pull things and lose any possible gains, but I can't really take a crash either.

I'm thinking 40 C, 30 L-Income and 30 L-2020

S has done better than C recently also. Makes me wonder about putting some there for a while. Maybe something like 25 - 25 - 25 - 25.





I think the I has room to run.....of all the funds it has lagged behind for the past couple of years. My plan is to stay in moderate to high risk and start drawing monthly distributions equal to about 3% per year of my TSP balance. (they say the rule of thumb is you can draw 4% per year without impacting your balance over time) Hopefully it will continue to grow even with me not contributing any more....either way this recent bounce sure helped me out...
TheRealOrange  
#5 Posted : Friday, February 17, 2017 10:27:11 AM(UTC)
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Originally Posted by: Stupified Go to Quoted Post
I just glanced at my PIP and I think it was around 17% as of February. I hate to pull things and lose any possible gains, but I can't really take a crash either.

I'm thinking 40 C, 30 L-Income and 30 L-2020

S has done better than C recently also. Makes me wonder about putting some there for a while. Maybe something like 25 - 25 - 25 - 25.

I'm curious why you would include the L 2020 and L 2030 Funds? The L Funds are not separate funds. They are simply invested in the five individual TSP funds (G, F, C, S, I) based on professionally determined asset allocations. As of January 2017, the L 2020 and L 2030 Funds were invested as follows:

L 2020
G = 52.94%
F = 6.06%
C = 22.68%
S = 6.02%
I = 12.30%

L 2030
G = 31.2%
F = 6.04%
C = 34.14%
S = 9.78%
I = 18.83%


If the L 2020 and L 2030 Fund allocations make sense to you, then I would look seriously at simply making the overall mix of the five funds an approximate average between the two. Maybe something like:

L 2030
G = 40.0%
F = 5.0%
C = 30.0%
S = 10.0%
I = 15.0%


Otherwise, if you mix the L 2020 and L 2030 Funds with any of the other funds, you are merely mixing in differing percentages of the exact same five funds.
Stupified  
#6 Posted : Saturday, March 11, 2017 6:44:31 AM(UTC)

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As of March: Your Personal Investment Performance (PIP) for the past 12 months ending 02/28/2017 is 20.48%.

Better than it was in December, but will it last?

Balances took a hit this past week.

Edited by user Saturday, March 11, 2017 6:45:33 AM(UTC)  | Reason: Not specified

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