[yakers]

Hey, I get to add my 2 cents. "A train wreck" well maybe. My wonderful crystal ball (which is always correct as to what will happen but unfortunately not as to when it will happen) says we are due for a correction but I have not figured out whether it will be a sharp short adjustment or a Japan like, 14 years of bad luck, slow adjustment. It could be that salaries will go up 1%, inflation 3% and houses and stocks 2% for a number of years and it is not obvious to the non financial savvy that something is awry.

My TSP allocation (Drum roll please, or is that dice roll): 40% G, 20% I, 20% S and 20% C. I am 54 and expect a few years until retirement and longer to the withdrawal phase. I also have a growth fund IRA and a balanced fund Roth. The G fund is good but holding some stock funds seems a good idea, especially over longer periods of time.

I am not inclined to day trade (or two day trade?) with the TSP accounts and I share the concern that two much of this will drive up administration costs. But if folks lose money in trading does that mean that those who hold on to a fund make the money? I am willing to shift into trading mode if I really had an idea about how to make money out of it. I think I am pretty good at stock picking, 5 out of 6 DRIPs are beating the S&P500 and when I had a Quick & Riley trading account I did pretty well. I knew when to buy a stock, knowing when to sell was another issue