Reply to Is the G Fund actually safe?

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Reply to "Is the G Fund actually safe?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]If I were you, I would move existing balance to all stock (CSI) as well as the new contributions OR do 1/2 and 1/2 between 2040 and 2050 funds (nest egg) and still keep new contribution in CSI.

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Don't do this. Way too aggressive for someone risk averse.

I wouldn't bother with a financial advisor. Just do 50 percent 2040, 50 percent 2050 for everything.[/quote]

PP you are responding to. You think it's too aggressive? 50/50 between L2040 and L2050 funds is ~80% CSI and ~20% G/F funds (L2040 has ~27 G/F, L2050 has ~17 GF). So, 80 is okay but 100 is too aggressive with 20+ years to go? [/quote]

Yes. OP is conservative and doesn't want to have to think about it. So why should she tilt towards riskier assets? Your suggestion is more complicated, out of line with standard investing advice, and goes against her own risk-averse inclinations. it would require her to pay attention and start shifting towards bonds later on. I am not saying you are wrong, and your strategy would be the right advice for you; but not for her.[/quote]

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