Search found 9 matches

Return to advanced search

Re: Help With TSP and Roth IRA AA

Sound advice... I hope to increase my contributions in the near future.

I'm going to also explore alternatives to the TSP I Fund (lack of small and mid cap) and my allocation to Bonds and G fund. Good food for thought so far.. thanks for everyone's advice.
by ibis888
Sat Jul 27, 2013 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 494

Re: Help With TSP and Roth IRA AA

Well, between the Vanguard Roth IRA and TSP (5% + 5% match=10%) I'm saving a little over 15% of my gross income, which works out to be ~$16,500 per year. You may be looking at the pay scales that don't include the cost of living adjustment.... you are correct though, I still have quite a bit of room...
by ibis888
Sat Jul 27, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 494

Re: Help With TSP and Roth IRA AA

Interesting points, thank you. Would you leave the non equity percentage of the portfolio at ~50/50 G fund/Bonds forever, regardless of market conditions? (i.e. is the shift you recommend due to current market conditions, or would it apply for the long haul)? I'll take a look at the international eq...
by ibis888
Sat Jul 27, 2013 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 494

Help With TSP and Roth IRA AA

I'm currently a civilian federal employee, aged 33 with 15 years of government service under my belt (my time at the Naval Academy and in the military all counted towards government service). I am currently planning on staying with the government until retirement. As such, if I retire at 62, I will ...
by ibis888
Sat Jul 27, 2013 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With TSP and Roth IRA AA
Replies: 7
Views: 494

Re: (Planned) AA Change consideration - return to 100% equit

Doesn't modern portfolio theory state that the addition of a small amount of bonds to a 100% equity portfolio actually reduces risk while maintaining or increasing the return? I know that all of these conclusions come from back testing, and past performance is no indicator of future performance etc....
by ibis888
Thu Jul 18, 2013 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: (Planned) AA Change consideration - return to 100% equities
Replies: 36
Views: 2694

Re: Is There Hope?

Perhaps there is some confusion with the means of calculating averages. My 3.3% number is the annualized return (geometric mean). I think the average return has been something like 6%. When stock market average historical returns are cited (usually in the 9-10% range), the regular average, not the ...
by ibis888
Thu Jul 18, 2013 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3086

Re: Is There Hope?

Perhaps there is some confusion with the means of calculating averages. My 3.3% number is the annualized return (geometric mean). I think the average return has been something like 6%. When stock market average historical returns are cited (usually in the 9-10% range), the regular average, not the g...
by ibis888
Thu Jul 18, 2013 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3086

Re: Is There Hope?

Thanks for all of the (mostly) positive responses. Perhaps my calculations are off! I'll try not to veer away from the topic into my personal investments(which I believe would be better addressed in another forum), but I think it has bearing to the conversation: I have been maxing out a Roth IRA sin...
by ibis888
Thu Jul 18, 2013 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3086

Is There Hope?

Hello all. I've been a longtime lurker, and have finally decided to join the conversation. I've been stewing on this for some time, and thought this would be the perfect place to air it out: The "lost decade" of investing is frequently referenced in the media, and I have certainly seen its...
by ibis888
Wed Jul 17, 2013 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Hope?
Replies: 37
Views: 3086

Return to advanced search