Sell in May, Then Go Away?
Should you sell your stock funds in May and buy them back in September in anticipation of lower stock prices at that time? Perhaps, but you may find that you have lost money by trying to time the market.
If you are a federal employee, you may be wondering how to plan for your retirement and make the most of your Thrift Savings Plan (TSP). The TSP is a tax-advantaged retirement savings plan that allows you to invest in various funds and options, depending on your risk tolerance and goals. On this tag page, you will find articles and resources that will help you understand the benefits and features of the TSP, as well as tips and strategies to increase your investment returns and secure your future income. You will also learn about the latest news and updates on the TSP performance, fees, withdrawals, and more. Whether you are just starting your federal career or are near retirement, these articles will provide you with valuable information and guidance on how to make the best use of your TSP.
Should you sell your stock funds in May and buy them back in September in anticipation of lower stock prices at that time? Perhaps, but you may find that you have lost money by trying to time the market.
The author shares her opinion about the Roth TSP as well as some frequently asked questions and answers about it.
Are you considering utilizing the Roth option in your TSP? Here are answers to a few frequent questions from readers about how the Roth option will work.
In light of the 25th anniversary of the TSP, the author examines a hypothetical scenario to see how a typical federal employee would have fared investing under the plan.
When will the Roth option be available for TSP participants? For most readers, the start date will be May 7, 2012.
The author outlines some methods you can use to determine if the upcoming Roth TSP option is right for you and your situation.
All TSP funds moved up in March with the exception of the F fund which felt the impact of inflation on bond fund yields.
Retiring during 2012? You may want to consider “front-loading” your TSP.
The author outlines the similarities and differences between the Roth TSP and the traditional TSP to help participants understand if the new Roth option is right for them.
How have you fared in the investment volatility facing the stock market? TSP investors dumped shares of the C fund throughout 2011 started buying again in January.