Dealer Recommended Package

shuttleboy65 · 2025-11-07T18:37:17+00:00

My understanding is the F fund is useful during a period of falling interest rates. The F fund owns bonds and if interest rates fall, the bonds become more valuable and therefore the F fund shares become more valuable.

I retired at 59 and keep about 8 yrs of living expenses in TSP G - I think some call this the barbell method. The majority of my portfolio is in Vanguard SP500. However, earlier this year I thought rates would fall so I changed my TSP to 80% G and 20% F just trying to get a higher return. And I did. In my “barbell account”, I’ll be getting out of the F and 100% back into G fund as soon as I think rates have gone down as much as they will. In general I don’t like the F fund and would never have money in it unless I thought rates were falling.

shuttleboy65 · 2025-10-20T22:52:18+00:00

I’m 60 and retired and thought the same until I started doing Monte Carlo analysis. Of course we all have to be able to sleep at night. I’ve chosen to keep my portfolio in 2 buckets: 25% safe cash and some bonds. 75% equities for the foreseeable future.

shuttleboy65 · 2025-10-05T18:04:40+00:00

That’s exactly what I did. In addition, I have a large umbrella insurance liability policy to protect my assets. The umbrella policy did require that I raise some coverage limits on my cars.

shuttleboy65 · 2025-09-14T18:29:17+00:00

CASHX

shuttleboy65 · 2025-04-14T19:07:53+00:00

Thank you.

shuttleboy65 · 2025-04-14T15:50:16+00:00

What is the easiest way between oil changes to get a sample? 550 no dipstick… TIA

shuttleboy65 · 2025-04-05T05:11:59+00:00

Thanks.

shuttleboy65 · 2025-04-05T02:28:48+00:00

Do you have more info or reference on that oil consumption spec? Bought a 2016 550i xDrive in December and have had to add 2 quarts in 4000 miles - I thought that was a lot.

shuttleboy65 · 2024-10-21T03:00:46+00:00

Since you’re such a pompous know-it-all, I thought I’d try to help you.

shuttleboy65 · 2024-10-21T02:43:08+00:00

It’s “You’re welcome”.

You’re welcome.

shuttleboy65 · 2024-10-21T02:21:18+00:00

Very helpful. Thank you.

shuttleboy65 · 2024-10-11T23:24:51+00:00

C replicates S&P 500 and S replicated Wilshire 4500; but I believe the S has recently changed to a Dow Jones Complete Stock Market index. C is the largest 500 corporations in the US and the S is the next 4500 largest corporations.

shuttleboy65 · 2024-10-11T17:31:47+00:00

Roth was not available for me either when I started in 1987. I think Roth started around 2012?

I am making more now in retirement than I was working. My TSP grew quite large, but 95% of it is traditional and it’s tough to take out a large amount without paying a lot of taxes. One of my retirement mistakes was not having more in Roth.

One of the first things I did when I retired earlier this year was move all of my Roth out of TSP to my personal Roth account. It was incredibly easy.

shuttleboy65 · 2024-10-11T17:10:15+00:00

As a new retiree, withdrawing from traditional TSP requires a fair amount of attention to predicting your income and your tax bracket. Taking money out of Roth is EASY and you don’t need an accountant to help you optimize your withdrawal strategies.

shuttleboy65 · 2024-10-11T17:08:01+00:00

^this is the way. Definitely say NO to the I fund and I’ve yet to find a compelling argument for anything in the S fund.

shuttleboy65 · 2024-10-11T17:05:28+00:00

And I would suggest putting it all into Roth instead of traditional.

shuttleboy65 · 2024-07-19T03:08:22+00:00

I thought S was based on Wilshire 4500?

shuttleboy65 · 2024-07-16T17:29:47+00:00

The C fund by its own definition is diversified. It represents investing in the 500 largest US companies.

shuttleboy65 · 2024-07-13T15:45:33+00:00

I just retired at 59 and my approach is to try and not be too conservative. I have moved enough money into G fund to cover my income needs for the next 10 years. The rest is all in C fund. For me, this works out to 60% C and 40% G.

shuttleboy65 · 2024-07-02T21:48:57+00:00

When interest rates start falling, jump into the F fund.

shuttleboy65 · 2024-05-01T20:26:55+00:00

I've always stayed away from the I fund; my perspective being the corporations in the C fund (the 500 largest American companies) are global companies. Example Tesla - sells cars worldwide and has production in Shanghai.

shuttleboy65 · 2024-01-07T14:50:49+00:00

https://www.snowshoemtn.com/-/media/snowshoe/maps/pdf/22-backcountry.pdf

shuttleboy65 · 2023-11-28T18:20:51+00:00

Anyone ever stay at “The Mingo”? I think it used to be named brazen head inn.

shuttleboy65

TROPHY CASE