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[quote=Anonymous]I would rethink any of the target year funds IMO.

I have no affiliation with it other than as a paying subscriber but I've used TSP Pilot for more than 10 yrs. and it has saved me hundreds of thousands of dollars of losses in my TSP account with accurate advice around the '08 crash to reallocate, avoiding huge losses.  It's also done well on the upside.

I don't really like or trust any of the target date funds in any portfolio/company for various reasons.  For a fairly small annual fee you can get what IMO/IME has been pretty good advice (which you don't have to take but at least you get the benefit of it) to help you manage your TSP yourself.

Coincidentally it has been close to the advice/allocations of our outside investment manager, who also has a strong track record for -- most importantly --- missing the big down dips, and secondarily, for performing well in up markets.  Missing the downslides is what will save you in the long run IMO.

It's a big reason why I was able to build a very substantial TSP balance (max it out from Day 1) that took only a very slight hit in the big downturn and has since done very well on the upside.

Maximize your TSP contributions.  It's critical for your long term financial viability (it's a good portion of what allowed me to retire slightly early).[/quote]

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