TSP move to G fund?
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Anonymous
| Getting a liiiiiiillllll nervous about job losses, CPI and BLS data, inflation and so forth...anyone else considering moving into G for a while? Or do we have more rate cuts and quantitive easing to look forward to? Basically, even in a recessionary enviroment we will see drastic rate cuts to offset the issues and stocks will go up? I am 100%C fund, but kind of am not sure whether to throw it in G for a bit and if there is a massive sell off or drop in value then throw it back into C and I funds when values are lower. |
Anonymous
| diversify |
Anonymous
| In my tinfoil hat moments I am more worried about the G fund. I have a fix of Lifecycle funds, mostly. |
Anonymous
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Brilliant idea!
Besides timing the market, you could load up on crypto, gold, tech funds, and of course don't forget leveraged ETFs! |
Anonymous
And you should buy all Ai stocks! |
Anonymous
| I just moved a year's expenses out of equities and into G fund or money markets in each of my retirement accounts including my TSP (I have two others) as a way to lock in gains/hedge against the current atmosphere. I am 50. So between that move and our Ibonds and HYSA, we have 5 years expenses in cash and cash alternatives. |
Anonymous
| I went ahead and liquidated my retirement accounts and went all in on doge coin. |
Anonymous
I think I’m doing the same. I’ll come back to stocks when the market makes sense. |
Anonymous
| Lifecycle fund. |
Anonymous
Similar - moved a little over a year’s worth from C to G. We’re a bit older, probably five years to retirement, so want to decrease risk given the current environment. |
Anonymous
| OP, this depends on your age and asset allocation. We’re on cusp of retirement and we just moved about 1 years worth of expenses from equities to fixed income. We wanted one more year of comfort. If we were much further from retirement, I wouldn’t have done this. |
Anonymous
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How about F funds instead of G? I am a little nervous about economy too and don't want to give up the gains
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Anonymous
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Trying to time the market almost never works out. Want a comfortable retirement max out your TSP contributions. Make contributions to both traditional and Roth TSP accounts. Diversify your investments either through life cycle funds or allocations of your own choosing.
Starting in 2026 you will be able to do Roth TSP conversions. Look into taking advantage of that opportunity depending on current and projected future tax rates. |
Anonymous
| I moved more over to G fund today. We’ve got a lot of uncertainties between inflation, jobs, trade, tariffs, ai layoffs and so forth. I am keeping 20% in I and 10% in C. Also, TSP MFW is in a precious metals fund. I don’t really care to hear from people who watch Fox News business and have blinders on to the actual financial picture. Maybe I’ll miss out on 6 months of gains or even a year or more, but a recession is on the horizon. If things improve all I have to do is move back to C and I funds again. But I am not locking in losses if the herd mentality of a market crash starts to happens and we see years of lost gains. |
Anonymous
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I used the L funds and they did well during the dotcom crash and Great Recession.
Trick is pick one close enough that the managers are doing modest growth and capital preservation. Then you don't have to try to time getting back in. |