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Reply to "Financial Advisor experience w/ federal pension"
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[quote=Anonymous][quote=Anonymous]My biggest question about TSP vs transferring out: I know that with TSP you cannot take money out of just one fund (i.e. from the G fund when equities are down, or from the C fund when equites are high). Vanguard or the like would allow you to take RMDs out of your fund of choice. So how do savvy people structure their investments and RMDs when they keep some money in the G fund and the rest goes to Vanguard. I know someone has figured this out. You have to take RMDs from each account (i.e. both TSP and Vanguard).[/quote] But you can just reallocate before or after the TSP withdraw. Let’s say you have an RMD of 100,000. Your TSP is 700k C fund and 300k G fund. So the RMD is going to be 70k C fund and 30k G fund. But you want the RMD to come all from G Fund because stocks are down. Before or after the RMD, just reallocate from G fund to C fund so the C fund stays at $700k, that is, transfer $70k from G to C. [/quote]
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