Reply to 50% in the G fund?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]how much will be your pension? is pension + ss enough to support your lifestyle? if so, keep it in the market. if not, go with L fund that matches your schedule. [/quote]

^^ this sort of logic. The pension is essentially a bond so if you are a long term fed 40% or so of your retirement is in a G fund  equivalent already. Many of those 401k rules of thumb about what percentage to have in bonds at a certain age are generated assuming no pension and only 401k

[/quote]

No— I think that poster is making a more clear headed point than you are.

If your pension covers your basic expenses and you only plan to tap your TSP for additional expenses, say 1-2% of the balance a year, then it doesn’t really matter how you invest your TSP. You can be very aggressive or very conservative.

However, if you are counting on TSP to cover basic expenses — maybe you plan to tap 4-5% of the balance a year— then having a pension doesn’t give you license to be more aggressive with your TSP— you should think carefully about whether you are prepared to accept a 50% drop in the market. [/quote]

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