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Managing Risk to Maximize Returns

GrowMyThriftSavingsPlan.com is primarily an EDUCATIONAL service.  The goal of the site, Sunday Update, FaceBook Page, and FaceBook Group, is to educate Federal Employees/Retirees and Military Service Members/Retirees in using Technical Analysis to manage market risk...

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Myth: The Market Always Goes Up…

"The Market Always Goes Up"... Really??  Coming off the gains of 2016 and 2017, for that matter the gains since 2009, it can be hard not to get caught up in "The Market Always Goes Up" myth.  The fact is that the market, OVER TIME, does always go up.  The problem is,...

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Time for the G Fund?

The G fund generally gets a bad rap.  While the rate of return is only about 2.5% per YEAR right now, it's a whole lot better than losing money...  So when does it make sense to move to the G fund?  There could be lots of reasons.  Maybe you're going on vacation and...

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Rebuttal To Federal News Radio Article

An email dropped in my in-box tonight from Mike Causey at FederalNewsRadio.com.  The title of the post was, "Timing the stock market: Did you predict Monday's crash?".  Click the link to read the post.   First off, members of GrowMyThriftSavingsPlan.com received an...

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Why 50% C Fund / 50% G Fund Last Monday?

Over the past week I've fielded a ton of questions regarding the wild price swings of the TSP stock funds.  The 2 most common have been: How did I know to move to the G fund last Monday? Why only 50% rather than 100% to G fund? Sunday 28 January the financial news...

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If The Sky Is Falling, Where is the Floor??

If we thought last week was bad for the stock market, this week is starting off much worse! The Dow fell almost 1200 points today. That’s the single largest one-day point decline in stock market history! If you're in the TSP stock funds, all of the gains we saw in...

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Changes Coming To TSP

In the midst of all the musical chairs at the White House and wrangling over healthcare on the Hill, a piece of legislation has been introduced that will be a big plus for Federal retirees.    The TSP Modernization Act of 2017 (H.R.3031 in the House and S.873 in the...

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The L Funds: Why They Don’t Work

The L Funds: Why They Don’t Work

The “Lifecycle Funds” (L Funds) are one of the investment options available to you as a Thrift Savings Plan (TSP) account holders. The funds are based on the time frame in which you are planning to retire. There are currently 5 L fund options available including...

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Contribution Allocation and Interfund Transfer

Over the past several months, I have received more questions about Contribution Allocation and Interfund Transfer than any other topic. The terminology doesn’t seem to make much sense but, once you get the idea, it’s very simple to understand and execute. My current...

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