Just found your site and I am impressed.
- S.F.Great service. Enjoy your letter.
- L.P.
Monthly Archive for February, 2009
I just discovered your website and newsletter yesterday, and I am impressed. Your recommendation to go into the TSP bond Fund in the Nov. 30 issue was right on. … The Nov. 30 call by this newsletter that the F (Bond) fund in the TSP family had low risk with a potentially good chance of reward was a great call. Those who followed the advisory have made money.
-S.B.
Thank you, Alex, just for being there. Until I discovered Peaceful Gains, I was too scared and too ignorant to make any changes in my allocations ….
-P.V.
Alex,
Thanks for offering the service to the community of feds. I was so happy to come across your site as guidance for TSP investors; I really like your approach of defining the problem in mathematical terms then running a model based solely on the market performance (not world news, inside information, hunches, etc) to make allocation recommendations.
- C.Z.
Alex,
Thanks for the warm greeting. I must compliment your website and the write up about your background, as well as the explanations given regarding the proprietary engine you use. It’s straight-forward and not self serving in any way. I think I’ve found a winner here and will be following your recommendations from this point forward. Math is a solution for all matters …. I knew that there had to be more a scientific / mathematical approach to investing.
I think it is great that your sharing, and even profiting from, this information that you’re doing for yourself to others in the civil service community.
I’ve already forwarded your website’s address to my immediate family.
- P.T.
Happy Valentine’s Day and Presidents’ Day!
We pick the mix of funds that maximizes the expected returns while not exceeding a fixed maximum risk. Since the beginning of the month, we’ve made 0.30% in the F Fund (“Total Bond”). Stock funds have remained too risky for us to invest in, even though two of them have finally made a little money. For example, the S Fund (“Extended Market”) did make 1.53% since the beginning of the month. But it is still way too risky for us. It’s dropped over six and a half percent in 2009 alone.
Bonds are not doing as well as they used to either. That’s why in our Conservative allocation, we are completely pulling out of bonds and putting all of our money into the money market. In the Balanced allocation, we’re still holding about half of our money in bonds. Though their risk has increased, it is still reasonable enough for the Balanced allocation.
Happy Groundhog Day!
We’ve been sticking with the G Fund (“Money Market”) and the F Fund (“Total Bond”) for months, and they are still the only TSP funds worth considering. Stock funds continue to lose money at an incredible rate, so we are staying clear of them. For example, the I Fund (“Europe Pacific”) has dropped almost 12% in the past month alone.
We pick the mix of funds that maximizes the expected returns while not exceeding a fixed maximum risk. Bonds still look good, though they have weakened a little since mid-January. We are thus moving some money out of them and putting it in the money market.