Reply to TSP - L2050 fund or C & S funds?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]you can try 70/30 or 65/35 but whatever you do, don't play with it every year. Keep it steady and play the long game. if you like L fund but want to be more aggressive, exchange to L2060 fund. [/quote]

Just switch to a more aggressive L fund. And there is a reason all [b]L funds include international, so not sure why you would avoid.[/b][/quote]

Since you’re playing for the home team, might as well root for them too.

OP, you don’t need to ever think about G or F funds if you’re 5+ years away from retirement. All of the L funds carry way too much G and F for ballast, which is really just dragging down your returns in your prime earning years.  78%C & 22%S is essentially a perfect match to the entire U.S. stock market (aka VTI)…[b]can’t go wrong if you plow it all into there over multiple decades[/b].[/quote]

Actually it can go very wrong. The Japanese had the same narrow minded view and they've posted negative returns for 30 years.  Sometimes there are good reasons to deviate from L Funds, but this isn't one of them.[/quote]

Did every single person in Japan plow the last yen they’d ever come across into the Nikkei sometime in 1989? If they continued to diligently invest in their home country over the next 30+ years, their overall return would be positive.  By sticking to solely the C & S TSP funds you get plenty of int’l exposure (AAPL, MSFT, GOOG, META, JNJ, etc.), while not having to put trust into weak economies/markets.  Lastly, Japan≠USA[/quote]

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