The Altera Centauri collection has been brought up to date by Darsnan. It comprises every decent scenario he's been able to find anywhere on the web, going back over 20 years.
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Call To Power 2 Cradle 3+ mod in progress: https://apolyton.net/forum/other-games/call-to-power-2/ctp2-creation/9437883-making-cradle-3-fully-compatible-with-the-apolyton-edition
My wife still has ~7000 with AIG Valic from before her employer switched her 403(b) over to TIAA-CREF (this was actually before the **** started to fly). Either way, those guys really grab you by the balls. Can't wait to roll them both over into a Vanguard account. They're charging her like 150 bps for simple equity index (Russell 3000 IIRC) funds.
Yeah, but she doesn't have a ****ing choice. It's ****ing highway robbery. There were 3 providers (now 2). All charged retardedly high admin fees (you should have seen what they were like for the roulette wheels...I mean actively managed funds). If she wants her 7% of salary employer contribution (plus 1000$ match) she has to take it in one of those funds. Like I said, luckily she gets to roll them over to an IRA as soon as she changes jobs.
You were, of course, exactly right about rolled-over short term bonds having similar inflation protection abilities as TIPS. As such, I shouldn't be so worried about the lack of TIPS in the TSP as the G-fund provides some of the inflation protection I want.
The G Fund is a uniquely good deal for investors, as it has a risk/return profile unrivaled by any other fixed income instrument:
* It is risk-free, like Treasury bonds;
* The yield is equal to the average of intermediate-term Treasury bonds;
* Like a money market, and unlike Treasuries, its price never goes down;
* And, because it repurchases its bonds daily, it provides some of the inflation protection of TIPS.
(1) Once you get into emerging markets and other asset classes, your admin fees go up drastically.
(2) The air of impartiality surrounding TSP is due in large part to the low admin fees. Nobody's making any money moving assets from one pocket to another.
(3) Many emerging markets are not well developed. You would have the TSP starting to pick winners and losers overseas in order to protect its investors. That's opposite of the ethos surrounding TSP.
(4) Keeping politics out of the TSP is hard. Keeping TSP out of international relations would be even harder.
I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891
Many emerging markets are not well developed. You would have the TSP starting to pick winners and losers overseas in order to protect its investors. That's opposite of the ethos surrounding TSP.
I don't see why this would be an issue. A TSP emerging market fund would most likely attempt to track an index, just like the rest of its funds with the exception of the G. I don't see why it would need to start "picking winner and losers".
KH FOR OWNER! ASHER FOR CEO!! GUYNEMER FOR OT MOD!!!
Dan, your concerns are overblown. The Canada Pension Plan investment board overseas assets of roughly the same size as the TSP, and it has much greater freedom of action than the TSP does (which mainly tracks indexes). The CPPIB actually buys large stakes in companies, and sometimes takes a large part in running them. Despite this, there is very little political involvement in the CPPIB and no international relations implications to its decisions.
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