What fund should my TSP be in?

[Anonymous]

I’m 52 and plan to work 15 more years until 67.

Thank you!

[Anonymous]

if you're still planning to be in for 15 years, then c,s,i. i think i'm 60% c and 20 each s and i. you might want to shift some to g when you get to 5-3 years out, IF you intend to start taking distributions right away.

but also consider your traditional/roth balance and what your total will be on retirement.

[Anonymous]

What is your anticipated pension and SS amount at that time? In my case pension +Ss is enough to live on. Stay 100% stocks.

[Anonymous]

It depends on your entire financial situation. Do you have other investments, including taxable and tax-sheltered (usually retirement) accounts? What are your anticipated sources of income at retirement?
Assuming you are will only have a pension and SS as income, and you will rely on TSP for income as well, and the TSP is your only savings, and you are not so investment-savvy, just put it in a target date fund, but a few years later as they tend to be very conservative, so L2045 or 2050.

[Anonymous]

CSI.

[Anonymous]

2050

[Anonymous]

C/S/I depending on your pension and other savings and entire financial picture.

[Anonymous]

You need to know your risk tolerance. When the market drops 40% are you going to get worried and start moving money to the G fund? If so, do that now not after the crash.

The L funds might be a good idea— 2050 is like 80+% stock, or you could little in either direction depending on your risk tolerance.

[Anonymous]

Similar situation, although I'm slightly older, and I have mine in L2040. I may switch to L2045 next year, and I definitely plan to put all the catch-up in a Roth next year.

Anecdotally, when we were in our 30s and 40s, my LH (401(k) not TSP, but the Lifestyle funds were similar) invested in a Lifestyle fund, while I mixed and matched based on financial advice geared to my age group. There didn't seem to be any measurable difference in outcome. I wasn't looking extremely closely, but I did a quick compare of returns at least once a year.

[Anonymous]

My situation is similar. I am 100% in C fund.

[Anonymous]

I do lifecycle and it has served me well. I agree with going farther out than actual target retirement date.

[Anonymous]

Anonymous wrote:I’m 52 and plan to work 15 more years until 67.

Thank you!

L45