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Reply to "TSP when retiring-- keep it or move it?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Op here. Not being able to choose which fund to withdraw from for RMDs is a major negative.[/quote] Why does that matter? You could just take your distribution and then immediately rebalance. So if $10,000 came from the C fund and $10,000 came from the G fund, but you wanted $20,000 from the G fund, you would just move $10,000 from the G fund to the C fund the same day, right?[/quote] The point is not to be forced to sell the C fund when it's down. If you leave cash in G and move your S&P index funds to Fidelity or whatever, you don't have to sell when you're down, but take G fund cash when you need it instead. [/quote] DP. What’s the big deal? It’s only a day until it’s replaced. Just as likely that C loses more in your scenario as that it rebounds. [/quote]
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