User Panel
User Panel
User Panel
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Posted: 4/23/2021 1:05:40 PM EDT
[#1]
I'll be 47 in 2040 and that is where all my TSP is.. shouldn't it be closer to your actual retirement date?
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Posted: 4/23/2021 1:46:06 PM EDT
[#2]
thats my point....it should be in the 2030, but other schools of thought recommend a percentage split of just C,S and G
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Posted: 4/23/2021 1:57:53 PM EDT
[#3]
The closer life cycle fund you pick, the more of your money sits in government notes.
When all this money printing inflates away your retirement cash, you won't be catching a break with inflated securities prices you would have had with a bigger allocation in C funds and other stocks. It seems counter intuitive, but I think stocks are almost a safer bet for preservation of value than government bonds right now. |
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Posted: 4/23/2021 2:41:56 PM EDT
[#4]
S fund is up 97% over the last 12 months.
Seriously. Read that twice. |
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Posted: 4/25/2021 9:51:02 PM EDT
[#5]
You don't want all your TSP sitting in cash equivalents throughout your retirement years. Some of that money won't be needed for another 20-30 years after you retire.
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Posted: 4/29/2021 10:26:12 PM EDT
[#6]
Quote HistoryQuoted: S fund is up 97% over the last 12 months. Seriously. Read that twice. My wife has been .gov employee for 18 months. Started maxing TSP 75% S, 25% C on day 1. Nearing 50k currently. Nuts. |
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Posted: 4/29/2021 10:51:08 PM EDT
[#7]
Better to determine your own asset allocation and distribute the assets that way.
All of the Lifecycle funds seemed overly conservative to me. |
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Posted: 4/29/2021 11:08:08 PM EDT
[#8]
Quote HistoryQuoted: Better to determine your own asset allocation and distribute the assets that way. All of the Lifecycle funds seemed overly conservative to me. L funds are my conservative funds, but I only am putting 10% into 2050 I think The rest is S and C. |
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