Search results

@texasjo UOPIX is available in the TSP now. I have 28% in it and 72% in C fund.

@winter_rose Sorry, what’s your expertise?

@winter_rose No, I was 100% S&P500. I had enough in it to survive and kept adding to it at a discount.

@winter_rose I didn’t get killed during that period.

@texasjo C Fund is all the diversification you need. It covers all 11 GICS sectors, some of which own bonds and treasuries.

@texasjo That’s way too much G fund. You should never have G or F or L.

@winter_rose Why would you deduct any less than 100% of your margin interest accumulated from 1 or more tax years(against your gains, preferably short term gains)?

@winter_rose But then you deduct 100% of the interest and avoid gains tax.

@winter_rose How much margin at 12%?

@winter_rose It’s not actual bonds, it’s the bond market. Bonds with their stated rate can be sold. If better rates are available then you need to discount it. The F fund or BND etf discounts your shares all the time. Regular people don’t usually buy real bonds. They buy iBonds from...

@freeyourmindfromthelies Neither. Beef up your investments.

@winter_rose So-called financial advisors suggest mostly bad ideas, such as annuities, lifecycle funds, etc. Their so-called profession has made it so they’re only allowed to sell annuities. The best actual advice is simple and cheap/free. They stay in business by claiming to outperform VOO...

@winter_rose I mean, you’re completely ignoring the fact that retirees have margin accounts and social security and maybe even a pension on top of the retirement account(s). All of those cash inflows, some of which you control and some you can’t, can be deposited into your margin account...

@winter_rose Like I said, show me a chart.

@winter_rose The F fund is also a scam because they call it Fixed Income but it has terrible market risk and early repayment risk. Interest rates are expected to drop this year, so expect F FUND and BND to drop. The lifecycle funds just get worse as you age. I already know you can’t show me a...

@winter_rose I can definitely handle a 30% dip. I probably won’t even have to touch my TSP because I have a margin account that I can keep taking loans out against my unrealized gains. And I’ll keep refilling my margin account with social security and the federal pension.

@winter_rose I understand that I will die richer than L fund people and my unemployed descendants will live longer and die richer than L fund people.

@mm1992 L fund is a scam because it has G fund in it. I rest my case.

@marezee61 100% C fund

@everyman 68% C, 32% UOPIX is the way to riches