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Reply to "Fed Employees- Asset allocation given pension "
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[quote=Anonymous]I am wondering how federal employees here approach changes to their asset allocation as they near retirement. I am currently 15 years from retirement with the Fed. FWIW, I already made it through the agency RIF and there will not be another one. My projected pension will be 38.5% of my high 3. That represents 32% of our projected yearly expenditures in retirement, pre-tax and pre-SS. SS (with a 30% haircut) + pension will cover 70% of our pre-tax expenses. Right now I am 75% C, 10% S and 15% I in my TSP. We are similarly invested through H’s 401K and our Roth IRAs. Our brokerage is a more conservative 70/30 split. Given the pension will cover a significant chunk of our income, I know many Feds to remain more aggressive as they approach retirement. But how aggressive is that? And when do you start reallocating? What is your goal at retirement in terms of allocation? [/quote]
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