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Reply to "Fed Employees- Asset allocation given pension "
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[quote=Anonymous][quote=Anonymous]Two ways to look at it: 1. The pension is guaranteed income, so you can take on more risk from your investments. 2. The pension is guaranteed income, so you don't need to take on more risks with your investments. You have "won the game." Personally, considering unprecedented events in the federal government, I would probably not let my pension impact my investment decisions. I would pretend it didn't exist and invest accordingly.[/quote] That is crazy— you might as well expect SS to be zeroed out. OTOH I think the better way to think about it is to assess how much risk you are willing to take given how much you are counting on the TSP withdrawals. If they are an important part of your retirement plans then your asset allocation decision isn’t necessarily that different from anyone else’s. But if you don’t need that money at all then you have the choice of being very conservative or very aggressively or anywhere in between. [/quote]
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