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Old 09-19-2012, 04:07 PM   #21
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This thread reminds me of my favorite saying....Bulls make money, bears make money, and pigs get slaughtered. Or something like that. I did real well over thirty years, slow and steady, index funds, and learned to grit my teeth when it dropped. The only time I lost a lot on (and locked it in by selling) was when I started playing with techs (no, not the dotcoms) in late nineties, thinking I could outsmart it. Of course I was wrong. Lesson learned. Now index and a few managed mutual funds. So I'll read about how you can beat the markets and just smile. Good luck. I know I'm not as smart as the high falutin' folks they hire to run funds.
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Old 09-19-2012, 05:11 PM   #22
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I much rather just index. Not only does this save time, but keeps my feelings of fear and greed in check.
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Old 09-19-2012, 06:38 PM   #23
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Quote:
Originally Posted by nbw888 View Post
Haha very true. I guess the best advice if you want higher returns is that you'll first need to grow a pair.
I don't need the risk or the short term high of double or triple digit returns. If you can keep up your average well done. To the OP I think 11% is an excellent return and I would not change your AA. No need to put you head, or any other body parts, in a noose.
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Old 10-01-2012, 07:36 AM   #24
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I just looked at my TSP returns. Didn't calculate YTD, but my last 12 months gains don't look too bad. They update at the end of each month, and when I looked this morning, this is what I found:

"Your Personal Investment Performance (PIP) for the past 12 months ending 09/30/2012 is 28.82%."
(Your PIP is posted by the 3rd business day of each month.)

I believe, however, that figure may include my contributions...lol. Not sure, gonna go find out.

update: Found this on the TSP website -

Personal Investment Performance (PIP) — The rate of return earned by your entire account during the 12-month period ending on the date indicated on your annual statement or on your Account Balance page of the TSP website. The PIP is a time-weighted return that has been calculated using a modified-Deitz method (a method used by many financial institutions and an industry standard). The PIP adjusts for the distorting effects of cash flows into or out of your account. It is an estimate; therefore, your PIP may not be the same as the 12-month performance of the TSP funds, which are time-weighted returns.
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Old 10-01-2012, 09:52 AM   #25
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Quote:
Originally Posted by martyb
I just looked at my TSP returns. Didn't calculate YTD, but my last 12 months gains don't look too bad. They update at the end of each month, and when I looked this morning, this is what I found:

"Your Personal Investment Performance (PIP) for the past 12 months ending 09/30/2012 is 28.82%."
(Your PIP is posted by the 3rd business day of each month.)

I believe, however, that figure may include my contributions...lol. Not sure, gonna go find out.
When I run my 1-year, I get 20.57%. Your figure is believable, even without contributions.
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Old 10-01-2012, 10:28 AM   #26
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I'm pretty happy with it. I've never done this well. 2 weeks ago, I pulled back into only G fund. I've been sticking my neck out quite a bit this year. I'm not sure when I'll get back in. I'm still behind where I had hoped to be at this point (3 1/2 months away from my 55th birthday).
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Old 10-01-2012, 10:50 AM   #27
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Quote:
Originally Posted by martyb
I'm pretty happy with it. I've never done this well. 2 weeks ago, I pulled back into only G fund. I've been sticking my neck out quite a bit this year. I'm not sure when I'll get back in. I'm still behind where I had hoped to be at this point (3 1/2 months away from my 55th birthday).
Not sure if you want to answer, but do you move all from the other funds into the 'G' fund?
I'm 59, and I am 100% in stock funds in 401(k). My fixed and bond are in other investment spaces.
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Old 10-01-2012, 11:01 AM   #28
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I was 100% in stock funds as well in my TSP, namely the "S" (small caps) & "C" (S&P 500) funds, before I moved everything to the safety (& very small returns) of the "G" fund. I will have a pension that will cover all living expenses, so feel a little more secure in taking some risk now & then. I'm still too chicken to just "let it ride" all the time, though. Especially in my mid 50's.
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Old 10-01-2012, 03:27 PM   #29
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A quick look at the charts show that the low for 2011-2012 occurred when?

So everybody's 12-month return should look pretty decent.
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