Reply to What is your TSP fund breakdown today?

Forum Index » Money and Finances

Reply to "What is your TSP fund breakdown today?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]^ I’d do 100% C if I were new to govt. don’t look back, don’t be cute. Just slow and steady. you will be a multi millionaire by the time you retire.[/quote]

Not any in S? I like 75% C/25% S for a little thrill[/quote]

That’s a good allocation too for young ppl. Remember C captures about 85% of market value. [/quote]

Why would you prefer C to an L 2040 fund? Newish hire here.  36 years old. [/quote]

Nothing wrong with L funds. I am sure folks at BlackRock who manage TSP know what they are doing. Personally I just don’t like F fund (rising interest environment) and the I fund at the moment. [/quote]

The L funds are fine, and for someone who is uncertain what to do or would prefer to set it and forget it, it's probably the best choice.  But they are fairly conservative.  In my opinion, they are too conservative for my risk profile.  The L2040 has 21% G fund and 7% F fund, and even the L2050 has 11% G and 7% F.   The F and G funds are very low-risk, low-reward funds.  I don't want to be so heavily into low-risk/low reward funds when I'm 20-30 years away from retirement.

Full disclosure: I'm also 36 and my current allocation is close to 40% C, 40% S, 15% I, and 5% G.  For comparison, the L2040 is 38% C, 12% S, 22% I, 21% G, and 7% F.  So I'm basically just tilting towards S and away from G and F.[/quote]

Thanks for that breakdown.  I actually have 80% in L2040 and 20% in S, so it's not too dissimilar from yours. [/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics