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
January 11, 2017 1:03 pm Published by Stephen Zelcer Happy 2017!!! It’s time to update your TSP. This month my recommended allocations have shifted notably. The US business cycle is reporting strengths in many key areas, suggesting that the some of the asset classes are actually LESS RISKY than they have been over the past 10-12 months. In
December 12, 2016 2:43 pm Published by Stephen Zelcer The election is over. Now what? Just stick to the plan, and keep making your progress. Of course I have heard people preach with conviction that “the market is due for a correction.” Maybe, but there aren’t any indicators suggesting that. In fact, all of my indicators were
November 7, 2016 10:24 pm Published by Stephen Zelcer Election day is tomorrow.(!) Although the outcome of the election is uncertain, the economic wheels are already in-motion, and this month’s report and recommended portfolios reflect that. TSP investors have asked me if any portfolio changes should be done ASAP or wait until after the election? Good
A mistake that Federal Employees make with their TSP is NOT coordinating their TSP with their outside investments. This mistake is very common and has many different applications. Here’s a true story to illustrate: My client (at that time they weren’t yet a client) took me up on my free consultation offer. One of the points we discussed was maximizing
Question: How should you invest your Thrift Savings Plan (TSP)? Answer: Two things need to be analyzed in order to correctly answer this question: The Investor The investments The Investor This part of the answer has good news and bad news. I’ll start with the bad news: I know many people wish I could just
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