The S&P 500

[PeoplesElbow]

Question Elbow, Why are you in the 2040 lifecycle vise just going with F/C/S/I, not worry about the G which is 18% of fund? Those are what i'm in and it's a 10/30/30/30 payday deposit into each. And i look at the dollar cost avg vise timing thing... I'm 55 and max'd out with max catch up and i have done very well with that and not having to worry about the market really. As i type this i probably should do a rebalance and start moving things to the F fund and allotments should maybe change a little bit maybe 25/25/25/25. Your thoughts?

I originally went to the 2040 fund about a year ago, US markets had made a lot in 2013 and I was thinking there was a bubble that would be burst soon. Then in May of this past year I got a really bad feeling when Walmart missed earnings, I probably read more into it than I should have but I still don't exactly trust this market. The life cycle funds do re-balance themselves automatically so I figured I would get into one and stay there. I'm 40 and have made a lot and probably am more fearful about losing it than I should be on the TSP but hey I know a couple guys in their 20's that only are in the G fund, I tried to convince them to at least go to the L Income fund but they are afraid.

My IRA account I am fearless with, I trade options a lot with it. If you don't know much about options you can lose absolutely everything with them, if they expire they go to a value of zero.

 

[MADPEBS1]

k, there have been storys about the young generation not saving.... They should be in HIGHEST risk and atleast to to put in so they get a match, tell them to not worry let dollar cost avg be their friend.... My IRA i have left alone, took a big hit during the crash, didn't sell and am way better off now. using mix of lrg,med,sm,overseas,bonds mutal funds etc. Quite amazed i am where i am....

best of luck, i am not risky with my monies!!!!!

 

[PeoplesElbow]

Just an update, I have been out of stocks with this original chunk of money for over 18 months now and have more than I would if I stayed in the L2040 fund.

A year later Go Pro sure isn't doing all that well.

Another day like today and I will get back in.

 

[DoWhat]

Just an update, I have been out of stocks with this original chunk of money for over 18 months now and have more than I would if I stayed in the L2040 fund.

A year later Go Pro sure isn't doing all that well.

Another day like today and I will get back in.

The way I look at it right now, I am buying low.

 

[GWguy]

I have money in a 'safe' fund, and when the market dips low like today, I have my money manager transfer portions of it into a high yield fund. Did that Wen, not knowing today would do the same.

 

[Monello]

Buy low, sell high!

You haven't lose or gained any money until you sell. Otherwise it's just how many shares you own.

 

[PeoplesElbow]

Buy low, sell high!

You haven't lose or gained any money until you sell. Otherwise it's just how many shares you own.

Exactly, if you get out before a drop then back in after the drop you have more shares.

 

[MADPEBS1]

But its about dollar cost avging right, I would hope you don't need to hit your TSP for a long time, so these bi monthly deposits you are getting @ xx in 2016, would be worth zz 15 years from now. Vise an in and out... Everyone have their opinion on how to play the market. Do you ever look @ boglehead.com. with a look!!!