Horace
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Location: Aviano, Italy
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| Horace's TSP Allocation |
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G 30% C 30% S 20% I 20%
How good are savings bonds as an investment?
I'm 24, whats a good investment tool to see a big return?
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Thu Dec 22, 2005 7:24 am |
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Rolo
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| Re: TSP Allocation |
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quote:
Originally posted by Horace
G 30% C 30% S 20% I 20%
How good are savings bonds as an investment?
I'm 24, whats a good investment tool to see a big return?
Crappy, for two reasons: you are young, and interest rates are not conducive to decent bond returns.
Get out of G entirely. If you want a default allocation, use the appropriate L fund while you learn about investing.
Buy the book titled "The Truth About Money", check out the historical returns on the TSP site and read the brochure.
"Expect me when you see me."
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Thu Dec 22, 2005 2:36 pm |
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Toto
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Rolo's telling you true.
If you are 24 you need to learn about true Graham Dodd investing. Join the Motley Fool and the Hidden Gems or Inside Value Section. I prefer Tom Gardner. Read a couple fo the invesment books recommended by Gardner. Learn how to recognize an undervalued stock, a good balance sheet and good Free cash flow. Learn about falling knives. Place a few bets.
Two of my prior bets. HURC and MIDD.
Two of my current bets. ACU and CRYP.
Enjoy yourself.
My name is Toto and I am a stockoholic! 
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Mon Dec 26, 2005 5:44 am |
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trisha
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| Confusion! |
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Two threads with allocations !!
Hope all had a Very Merry Christmas, no accidents, no near Cardiac Arrests, no gifts thrown out with the trash! And I wish all a Happy New Year!
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Mon Dec 26, 2005 4:30 pm |
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SkyPilot
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| Horace, wrong place |
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Horace please post your allocations in the thread already established. Otherwise, this may get confusing...
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Mon Dec 26, 2005 5:10 pm |
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Rolo
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| Re: Horace, wrong place |
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quote:
Originally posted by SkyPilot
Horace please post your allocations in the thread already established. Otherwise, this may get confusing...
He wasn't...he was asking a question which included his allocation.
"Expect me when you see me."
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Mon Dec 26, 2005 8:16 pm |
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SkyPilot
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Oh. 
Then.... IMO, savings bonds suck as an investment. Maybe precious metals? Depends on your goals, time horizon and risk tolerance.
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Mon Dec 26, 2005 8:18 pm |
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trisha
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| Re: Confusion! |
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quote:
Originally posted by trisha
Two threads with allocations !!
pnwjr had posted his allocations here, hence my comment.
So...what happened to them??? I don't see them over on the allocations page.
I pm'd him at that time: "wrong page," but I don't believe he has picked it up yet ; maybe he'll get back soon & get them reposted.
Sky, I believe his was still there when you posted, too.
Happy New Year, everyone!! I am flying with two teenage granddaughters to Lansdoun Co, VA on NewYear'sDay!!!
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Tue Dec 27, 2005 12:13 am |
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Horace
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Thank you all for the information. I have gotten out to the G fund and put 30% towards the L fund. I will pick that book up also.
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Tue Dec 27, 2005 1:55 am |
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Rolo
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quote:
Originally posted by Horace
...put 30% towards the L fund.
Ummmeerrrr...uhh...you should put all of it into the appropriate L fund (whatever the longest one is). The L's are just a mix of the standard funds.
"Expect me when you see me."
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Tue Dec 27, 2005 1:23 pm |
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SkyPilot
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Horace, allocating to the L fund will likely confuse any strategy you are likely trying to employee. As the L is only making allocations out of funds you are already investing in, you may find it easier just to distribute all of your funds yourself, or leave it all in the L as Rolo suggests.
Otherwise, just use the L blend of your choice (100%), and when the market looks like it is going to tank, move (100%) into the G fund until things look up again.
I also encourage you to develop a consistent strategy, so you will know why you are making your allocations. That way, when a particular decisions succeeds or fails, you will have some basis to reflect on and can attempt to improve on your decisions as you go forward. Allocation without strategy is really just gambling when you think about it. However, sometimes, gambling works out, but the stats are stacked against it. 
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Tue Dec 27, 2005 1:49 pm |
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Toto
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sky, if our alloactions are changed at the end of the day, why not wait until 3:45 to make the change?
Or are you operating on a strategy that wouldn't cha nge if there were an uptick?
My name is Toto and I am a stockoholic!
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Tue Dec 27, 2005 7:46 pm |
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Rolo
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quote:
Originally posted by SkyPilot
Allocation without strategy is really just gambling when you think about it.
Yup! And there's another site for that...called WhipsawTalk or something... 
quote:
Originally posted by sarah
First, that is OT for this thread...but I'll answer...
Ah, you should be more dynamic.
"Expect me when you see me."
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Tue Dec 27, 2005 10:59 pm |
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Horace
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Location: Aviano, Italy
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I've gotten out of the L fund and put that 30% towards the C fund. Thank you all for your advice.
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Wed Dec 28, 2005 3:00 am |
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Rolo
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quote:
Originally posted by Rolo
quote:
Originally posted by sarah
First, that is OT for this thread...but I'll answer...
Ah, you should be more dynamic.
And synergize!
So what's your allocation now, Horace?
"Expect me when you see me."
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Wed Dec 28, 2005 3:51 am |
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