June 13, 2017 2:26 am
Published by Stephen Zelcer
Here’s the scoop for the month of June! Once again, the environment is favoring stock investing. I certainly hear the nay-sayers that are concerned for a “correction,” but I don’t rely on a hunch. I rely on data. All four of the economic indicators have improved this month, again. If I see the economy “correcting” itself via the data, that’s when I will adjust my positioning. For now, C fund and S funds are looking good. Take a look at some of the more aggressive portfolios. You may be surprised to see a downside exposure that is “stomach-able.” My lower yielding portfolios are G fund heavy because when stocks do well, you only need a small dose of stocks to lift your overall portfolio performance. (Remember, the G fund itself is targeting a 2.25% rate of return.) You can access the report with my recommended portfolios on the website, www.TSPplanning.com.... View More
May 23, 2017 1:36 am
Published by Stephen Zelcer
Why re-balance? If you’re not re-balancing your TSP, you are actually causing losses in your TSP! There are two mistakes investors unwittingly make when they fail to re-balance: They expose their portfolio to greater risk They don’t grab the opportunity to buy-low-sell-high Getting into a re-balancing habit will inject some growth hormones into your TSP – the safe way! On May 30 at 3 pm EST, I will be hosting a free webinar in an effort to direct those weekend-warrior investors on how to re-balance their Thrift Savings Plan! Reserve your spot now by clicking here. In this webinar, we will explore the Why, When & How to re-balance your TSP. You will learn: What re-balancing it and why you need to re-balance your Thrift Savings Plan. When you should re-balance vs. choosing a whole new allocation altogether. How practically to make re-balancing changes. And more. To register for the... View More
May 15, 2017 2:29 pm
Published by Stephen Zelcer
Alrighty! The May TSP Planning Report is out! Once again, the environment is favoring stock investing. C fund and S funds are looking good. Even the I fund shows signs of normalcy. So, Take a look at some of the more aggressive portfolios. You may be surprised to see a downside exposure that is “stomach-able.” My lower yielding portfolios are G fund heavy because when stocks do well, you only need a small dose of stocks to lift your overall portfolio performance. Facts: The S&P 500 was up 1.25% in the month of April. The 3-month performance was 4.77% PMI levels were at 54.8%, which is well over the mid-range of 50. Unemployment was slightly improved, down to 4.4% which is 0.1% lower than it was last month. However, the initial GDP estimate for the 1st quarter 2017 was a paltry 0.7%, a notable drop. Assessment: Again, PMI’s numbers display... View More
April 27, 2017 7:38 am
Published by Stephen Zelcer
The following is an excerpt from my monthly TSP report that I’ve created to guide Federal Employees in allocating their money in the Thrift Savings Plan. Facts: Of the four broad economic indicators, three were positive this month. Unemployment was improved, down to 4.5% which is 0.2% lower than it was last month. PMI, again, showed solid ground at 57.2%. The 3-month performance has been comfortably over 56%. The last time PMI had a 3-month run over 56% was early 2011! The GDP growth estimate for the 4th quarter 2016 was revised up to 2.1%, from the previous estimate of 1.9% The S&P 500, however, dropped 1.5% in the month of March. The 3-month performance is still a solid 4.47% Assessment: Again, PMI’s numbers display strong expansion, and is a nice indication that U.S. manufacturing is alive and well. Unemployment is going down, meaning more people have jobs, which in turn boosts... View More
