Transitioning back into the market

THE THRIFT SAVINGS PLAN ALLOCATION GUIDE Forums Message Board Transitioning back into the market

This topic contains 3 replies, has 3 voices, and was last updated by  Will 2 years, 10 months ago.

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  • #18945

    Will

    While probably foolish, I got out of the market awhile back when S fund was at $35.00. I’ve been in G fund ever since. Today S is at $36 and C at $28. I am grateful I found this site and the direction it offers, but I am unsure when would be a good time to get back in?

    #18948

    Anne
    Participant

    Markets are currently high, 52 week range for S&P 500 $1,810.10 – 2,132.82, currently trading slightly over $2,100. Personally, I’m a little leery of getting in the market when it is near the high but it really depends on what you think long term outlook for the market is. You may want to see if there is a pull back after the Brexit vote outcome tonight. You can do it all at once or incrementally, but just remember that you are limited to 2 unrestricted IFTs per month, where you can allocate to any fund. After 2 IFTs, you can only move to increase G Fund. You can also change your contribution allocations so they will dollar cost average as designated. Good Luck

    #18983

    TS Paul
    Keymaster

    There’s that pull-back Anne was talking about. 🙂

    Will – one of the FAQs is somewhat responsive to your question: http://www.tspallocation.com/faq/#number3

    My default is to be in the market, so absent strong feelings which make me feel I should take the move slowly, I tend to make the move to where I want to be immediately and all at once.

    But as always, that’s just me and what I’m comfortable doing under my circumstances.

    The TSP Allocation Guide www.TSPallocation.com

    #19070

    Will

    Thank you both for the feedback. If I do decide to transition back in at this time, at least I will now be buying shares at a lesser price than when I got out. Thank you all again!

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