Best TSP Investments Now w/Rising Rates and Maturing Bull Market

[Anonymous]

With respect to the TSP investment options, what are your thoughts on the best places to be now? With rising rates, bonds and dividend paying stocks (income) aren’t attractive, and most believe the bull market is mature and likely nearing an end, which doesn’t bode well for growth stocks. In light of those dynamics, what’s an investor to do?

[Anonymous]

Study the funds and make a determination based on your tolerance for risk.

[Anonymous]

How old are you/how far from retirement/how long to you plan to/can you stay with your agency?

How much money do you have outside the TSP and how is it invested?

[Anonymous]

Buy and hold a balanced portfolio of stocks and bonds that you dollar-cost average, and stop trying to time the market.

[Anonymous]

If you are at least 10 years away from taking money out, I'd stay w/ stocks - 50/25/25 between CSI.

or

Look at the L fund closest to your target date but skip F - distribute GCSI. So if you L has 8 % F, just add 2% to each GCSI fund

[Anonymous]

Anonymous wrote:Buy and hold a balanced portfolio of stocks and bonds that you dollar-cost average, and stop trying to time the market.

As someone who has maxed out my 401k since getting my first job at age 23 and since then has without fail for ~312 pay cycles has plowed a portion of my net income via automatic deposit into index funds, i can tell you the above advice is the way to go. If I had wrung my hands about every "prediction" I would have made some pretty stupid moves. Instead I just forget about it and some times take a peek and come to the happy realization that I will in the near future no longer be a wage slave.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Buy and hold a balanced portfolio of stocks and bonds that you dollar-cost average, and stop trying to time the market.

As someone who has maxed out my 401k since getting my first job at age 23 and since then has without fail for ~312 pay cycles has plowed a portion of my net income via automatic deposit into index funds, i can tell you the above advice is the way to go. If I had wrung my hands about every "prediction" I would have made some pretty stupid moves. Instead I just forget about it and some times take a peek and come to the happy realization that I will in the near future no longer be a wage slave.

Same here. I have been maxing out my 401 k in all equity for over thirty years. Not as disciplined as PP about plowing back more into index funds via automatic deposit. My index funds also are all equity. Have tended to do it more in lumps from time to time (no attempt to time market) because I value having high cash reserves and only put in more to the index funds when cash is a worthwhile amount over my instantly liquid funds goal. Should probably rethink the cash bit....

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Buy and hold a balanced portfolio of stocks and bonds that you dollar-cost average, and stop trying to time the market.

As someone who has maxed out my 401k since getting my first job at age 23 and since then has without fail for ~312 pay cycles has plowed a portion of my net income via automatic deposit into index funds, i can tell you the above advice is the way to go. If I had wrung my hands about every "prediction" I would have made some pretty stupid moves. Instead I just forget about it and some times take a peek and come to the happy realization that I will in the near future no longer be a wage slave.

Same here. I have been maxing out my 401 k in all equity for over thirty years. Not as disciplined as PP about plowing back more into index funds via automatic deposit. My index funds also are all equity. Have tended to do it more in lumps from time to time (no attempt to time market) because I value having high cash reserves and only put in more to the index funds when cash is a worthwhile amount over my instantly liquid funds goal. Should probably rethink the cash bit....

I've kept the same 30kin cash for years. If a disaster struck, Id just pull long term gain money. Cash is a waste of opportunity. I'm even on a HDHP and max out and invest my HSA and use my cash for all medical expenses. My HSA has great returns and that has been growing at a nice clip.

I truly do not understand why anyone would have cash laying around, but then again, I'm in banking and see how the wealthy conduct themselves and they will leverage leverage leverage rather than pull money that is making money.

I do have a couple investment properties just to keep things diversified.