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Old 16th January 2008
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Default Soldiers, Sailors, Airman, Marines and GOV Employees - Wall Street Hates Your TSP

BLUF: Put all the money you can in your TSP.

-------------------------------------------------------------------------

http://www.federalnewsradio.com/index.php?nid=7

Wall Street Hates Your TSP

01/16/08 02:00

Question: Want to make a well-paid mutual fund manager angry?

Correct Response: Of course!

Now that we've established that, here's how:

Tell that individual, and his or her Wall Street puppetmasters, that you are doing all of your investing within the federal 401k plan. It has the lowest administrative fees in the business. And that's good for you but terrible for most mutual funds which make a ton (as in pots) of money handling your money.

Example: The federal TSP's popular C-fund. It tracks the S&P 500. The C-fund charges you one basis point, which is 10 cents for each $1,000 of your account balance. By contrast, the next lowest mutual fund in the business charges 19 to 20 basis points for its S&P 500 index fund. Some others charge much, much more. Like 0.5 percent which is 50 basis points or 1.5 percent which is 150 basis points.

What does the fee cost translate to? The January/February AARP Bulletin warns readers about paying high fees. It calls them a leak that, "could dribble away thousands of the dollars you'll be depending on for a comfortable retirement."

The example it has cited:


A 30-year-old has $25,000 in his/her 401(k) plan. If that account earns 7 percent and has a fee of 0.5 percent a year the individual, without making any other contributions, will have $227,000 at age 65.
But...


If that same account, same individual has to pay a fee of 1.5 percent the account will be worth $163,000 at age 65.
By paying what appears to be an only slightly higher fee (1.5 percent vs. 0.5 percent) the hypothetical investor loses 28 percent.

The TSP's low fees may explain why 923,000 federal/postal/military retirees left their money in the TSP when they retired.
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  #2  
Old 16th January 2008
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Cool Cash Money

Not because I'm bright but 'cause I'm with the VA I have a TSP account. I got a bit spooked a month or two back and moved all (most) my funds out of stocks (although keep buying stock shares as they fall) until someone can sort out this whole recession thing. Sure I know all the smart guys can make a killing in day trades but it's just a bit too volatile for me at this time.
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Old 16th January 2008
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Default

Do you mean you moved your stuff into the TSP G Fund?

I am keeping my money in the L2030 which is a targeted fund. I figure now is the time to buy while the share prices are staying pretty much level. This way when everything recovers I will be.

I am always tempted to move into a bond fund when the stock market get shaky but my personal opinion is that in the long run I will benefit more by sticking it out in the stock funds .

The L2030 holds 16% of your shares in the G fund. You might want to consider moving into a L fund.

More info on the L funds can be found here: http://www.tsp.gov/lifecycle/flash/index.html
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Old 18th January 2008
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Cool Seems Like All Our Bubbles Burst- I'll Avoid My Political Opinion

You are 99% correct and the managed funds are probably a very wise choice. Trying to time the market is often foolish, that said, yes about 6 weeks ago I moved out of both Life Funds (actually moved out of the 2030 a few months back to play stock swings) and Stocks and went to the G Fund as I did not want to risk a loss and to date it's probably saved me five or six grand. I continue to buy in stocks with the lower prices and like a fool I think I can "time" my way back in. Actually, I'm pretty much convinced that no matter who gets the Whitehouse we will not see the markets really recover for at least 18 months. TSP does allow one to move your funds everyday should you choose so I will buy stocks at this time but shield what I've already got, might not make money but I can't loose it in this position and like a wise man said if you worry enough about your investments to keep you awake, it's really not worth it. I move back and forth between funds on a whim and imagine I'm a big time stock guy.
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