The Economy: An Opinion.

Federal Benefit Advisory

The income earners and consumers are in trouble. Although some are getting raises from Social Security, federal and state employee COLA, union contracts being re-committed, it is not enough to keep up. Higher salaries mean higher cost to companies and manufacturers, thereby increasing the rate of inflation; are chasing our tail. Bigger brains than me, tell us we are in a Bear Market. A bear market is a promise of loss for most investments to include your TSP.  The savvy investor and brokers will tell you money can be made in a Bear Market! That is very true. I am reminded of an NFL Football team looking for a quarterback. Well, I played high school football many years ago, and was pretty good, but that does not qualify me for NFL tryouts?  We must understand how experienced or inexperienced we are and stay the league of our capabilities where we are able to succeed. I am not a professional football player, and you are not likely a professional investor. Understand the limitations.

When the economy is descending, I recommend it is not a time for speculation and using your life savings. Your TSP is not a gambling stake. If you want to go to Vegas, if you want to gamble, play the horses, find a dice game but use pocket change or sell that old car, but please, do not use your TSP, IRA, 401(k) or lifesavings to gamble; your spouse and family are depending on you to provide in retirement.

Sept. 16, 2022,    A Rough Day.

Federal Benefit Advisory

TSP: G Fund, we see a mini monster gain.

TSP Investment Funds
8/31/1990 – 9/15/2022
TSP
G Fund
TSP
F Fund
TSP
C Fund
TSP
S Fund
TSP
I Fund
“Classic” TSP Lifecycle Funds
8/1/2005 – 9/15/2022
TSP
L Income
Fund
TSP
L 2030
Fund
TSP
L 2040
Fund
TSP
L 2050
Fund
New TSP Lifecycle Funds
AS of 9/15/2022
TSP
L 2025
Fund
TSP
L 2035
Fund
TSP
L 2045
Fund
TSP
L 2055
Fund
TSP
L 2060
Fund
TSP
L 2065
Fund
Change (1-Day)0.01%-0.28%-1.12%-0.71%-0.81%
YTD Return1.80%-12.00%-17.21%-22.36%-20.97%
1-Year Return2.25%-13.03%-11.60%-23.76%-21.78%
Change (1-Day)-0.24%-0.59%-0.71%-0.80%
YTD Return-4.02%-11.73%-14.27%-16.38%
1-Year Return-3.09%-10.11%-12.51%-14.52%
Change (1-Day)-0.40%-0.65%-0.75%-0.95%-0.95%-0.95%
YTD Return-8.00%-13.04%-15.38%-19.00%-19.01%-19.02%
1-Year Return-6.68%-11.35%-13.57%-16.82%-16.83%-16.83%

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