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TDA Unit Values

May 10, 2020 am31 12:25 am

And now for something quite different.

Corona pounded the stock market, and naturally those who have Tax Deferred Annuities in the market also felt it (or more likely, saw it. This is future money for in-service members)

The fund that I usually hear about, I’m guessing the most popular, is Diversified Equity. In January it was over $105, and in April just over $81 – about a 23% drop.  But let’s add some historical context. To start with, one year ago it was at $95. (I’ve left off the pennies).  But let’s chart it out for a few years.

The comparison with inflation may not be useful, but $52.69 in 2010 money would be about $62.17 today.

Look, I wanted to make a chart. I’m not sure how to interpret it. That’s a lot of gain wiped out in a short time, but in the long term?

The raw data:

Unit Value
Date Diversified Fund Unit Values
Jan-10 $52.629
Feb-10 $50.713
Mar-10 $51.840
Apr-10 $54.716
May-10 $55.347
Jun-10 $50.806
Jul-10 $48.310
Aug-10 $51.433
Sep-10 $49.212
Oct-10 $53.481
Nov-10 $55.253
Dec-10 $54.825
Jan-11 $58.207
Feb-11 $59.246
Mar-11 $61.050
Apr-11 $80.881
May-11 $62.750
Jun-11 $61.897
Jul-11 $60.624
Aug-11 $59.225
Sep-11 $55.426
Oct-11 $51.100
Nov-11 $56.249
Dec-11 $55.541
Jan-12 $55.630
Feb-12 $58.119
Mar-12 $60.467
Apr-12 $61.719
May-12 $61.156
Jun-12 $57.035
Jul-12 $59.120
Aug-12 $59.543
Sep-12 $60.744
Oct-12 $62.048
Nov-12 $61.110
Dec-12 $61.532
Jan-13 $62.174
Feb-13 $65.154
Mar-13 $65.582
Apr-13 $67.617
May-13 $68.781
Jun-13 $69.567
Jul-13 $68.243
Aug-13 $71.550
Sep-13 $69.543
Oct-13 $72.107
Nov-13 $74.633
Dec-13 $76.199
Jan-14 $77.656
Feb-14 $75.061
Mar-14 $78.365
Apr-14 $78.382
May-14 $78.290
Jun-14 $79.626
Jul-14 $81.078
Aug-14 $79.251
Sep-14 $81.499
Oct-14 $79.271
Nov-14 $80.542
Dec-14 $82.029
Jan-15 $81.363
Feb-15 $79.846
Mar-15 $83.661
Apr-15 $82.492
May-15 $82.918
Jun-15 $83.538
Jul-15 $81.738
Aug-15 $82.668
Sep-15 $77.419
Oct-15 $74.680
Nov-15 $79.632
Dec-15 $79.588
Jan-16 $77.773
Feb-16 $73.218
Mar-16 $72.947
Apr-16 $77.546
May-16 $77.866
Jun-16 $78.512
Jul-16 $78.102
Aug-16 $81.078
Sep-16 $80.958
Oct-16 $81.042
Nov-16 $78.955
Dec-16 $81.062
Jan-17 $82.351
Feb-17 $83.973
Mar-17 $86.227
Apr-17 $86.533
May-17 $87.440
Jun-17 $88.399
Jul-17 $88.681
Aug-17 $90.261
Sep-17 $90.080
Oct-17 $91.800
Nov-17 $93.288
Dec-17 $95.100
Jan-18 $95.898
Feb-18 $100.326
Mar-18 $96.212
Apr-18 $94.245
May-18 $94.459
Jun-18 $95.640
Jul-18 $95.605
Aug-18 $98.198
Sep-18 $100.006
Oct-18 $99.877
Nov-18 $92.192
Dec-18 $93.484
Jan-19 $85.504
Feb-19 $92.173
Mar-19 $94.744
Apr-19 $95.432
May-19 $98.700
Jun-19 $92.578
Jul-19 $98.450
Aug-19 $98.938
Sep-19 $96.264
Oct-19 $97.765
Nov-19 $99.678
Dec-19 $102.435
Jan-20 $105.276
Feb-20 $104.047
Mar-20 $95.393
Apr-20 $81.142
2 Comments leave one →
  1. May 10, 2020 am31 9:36 am 9:36 am

    How does this compare to fixed? After the 2000 tech crash over the next year I converted the entire TDA which I had 70% in the market to fixed – and certainly took about a 25% hit. But I have no complaints. I read recently that since 2000 the market has trailed other financials like bonds – I think it said the market averaged about 5.5% since then. If there is a depression and consumer spending crashes the market cannot sustain itself. Right now it seems artificially inflated and I used the opportunity to get out on an IRA – this may be the moment to go fixed – and fast. Another issue is will our 7% fixed come under attack and can they do anything about it?

    • May 10, 2020 am31 9:41 am 9:41 am

      I may extend this, bring it back to 2000? look at other funds? fixed?

      I want to be careful to present the numbers (the graph is a neat presentation) but not to analyze, because that is out of my area of expertise.

      But since someone else just asked, from January 2010 – January 2020 this fun outperformed fixed. By March 2020 they were about the same (start 1/10) and today the fund is behind – it’s only ballpark, but with paper and pencil I see an effective 4.9% yield. These things bump around, so you are right to ask for the long view.

      Big question – the market has somewhat restabilized. Is that real?

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