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Politics : Politics for Pros- moderated

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To: Lane3 who wrote (101386)	2/21/2005 7:14:46 AM
From: Sully-	Read Replies (1) of 793756

"I imagine that there are a lot of participants who don't understand even such basics. They don't train you." I find that extremely hard to believe. Everyone was given all the information they need to understand the risks associated with each type of investment. And it was given in multiple formats to all participants. That was a requirement before you were allowed to participate in the Thrift Savings Plan. If I recall correctly, you even have to sign a statement that you understand there are risks associated with all but one of their investment vehicles. I know I signed one. There were extensive written materials provided to everyone. There was a monthly magazine that regularly & clearly spelled out all of the risks. And when the site went online, everyone was given access to the website to the Thrift Savings Plan there as well. It too clearly & regularly spelled out the risks. tsp.gov I dare anyone to go there & claim they could not easily find multiple detailed discussions of any potential risks associated with each type of investment vehicle. Anyone who claims they didn't know the risks was willfully negligent IMO. The Federal Gov't could not afford to have any participant claiming they lost money due to employer negligence in spelling out the risks. Everyone I knew, myself included, was given excellent training & the risks were openly discussed there as well. I am sure that the entire Dept of Education & Health & Human Services received this training. And from my recollection of events, this was done government wide. Why would they make sure one segment of the Federal Gov't received proper training, materials & access while failing to give it to other segments of the same government? The following are just from HEADLINE articles from the TSP magazine (paper & online versions). From the January 2005 TSP HIGHLIGHTS Asset Allocation Your Most Important Investment Decision ....In the graph below, the shaded area shows the risk and return associated with different combinations of TSP funds. The G Fund-only allocation falls on the far left point of the curve; it has the lowest risk and the lowest return over time. Risk and return both increase as we move from left to right along the curve. An investor aim- ing for a higher rate of return must also assume a higher level of risk by investing in more volatile assets, such as small capitalization and international stocks..... From the October 2004 TSP HIGHLIGHTS Risk & Time Horizon tsp.gov From the April 2004 TSP HIGHLIGHTS Checkup Time (for your TSP account) Investing Wisely (risk mentioned 8 different times) tsp.gov From the November 1998 TSP HIGHLIGHTS Understanding the F Fund (Yes, you can!) (describes bonds, index funds, F Fund risks and advantages) tsp.gov From the November 1996 TSP HIGHLIGHTS Ready or Not... (four basic principles of investing) tsp.gov From the May 1995 TSP HIGHLIGHTS 1994 Returns in Perspective (what should my strategy be?) How can I learn more about the TSP? tsp.gov From the May 1993 TSP HIGHLIGHTS Managing the Risks of C and F Fund Investments (allocating your contributions; dollar cost averaging; rebalancing; changing your strategy) tsp.gov From the May 1991 TSP HIGHLIGHTS Participants Ponder C & F Funds (returns vs. risks; minimizing risk with dollar cost averaging; role of interfund transfers) tsp.gov Like a lot of your pontifications, you make Eason Jordan like assertions that simply don't stand up to scrutiny.

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