Reply to TSP- How have you allocated your investments?

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Reply to "TSP- How have you allocated your investments?"

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[quote=Anonymous][quote=Anonymous]The friend's point re the G Fund is completely off base IMO.  If anything it's the opposite:  due to its low operating costs the G Fund is the best money market fund anywhere, its return is much higher than any mm fund you'll find.

So you may want to consider having whatever portion of your portfolio (retirement) you want in cash significantly in the G Fund.

I do not like lifecycle funds, I don't want to cede control over my allocations to someone else's view (and lifecycle funds are all over the map in terms of their allocations so you have to do much more than just pick a year and buy in).

I use an advisory service that uses technical analysis to recommend allocations and it has saved/earned me well over $100k over the past 6-7 yrs. by going conservative before the market tanked.

They are never all in or all out (and I don't recommend that, it's just market timing and that's a losing game).  They don't change allocations very often, maybe 1-2x a year or less frequently, and only based on technical indicators.

They have paid for the annual fee hundreds of times over with their advisories by saving losses in '08 & after.  They are not a market timing service.

Current allocation: 58% G; 8% F; 15%C; 14%S; 5%I

Previous :   44% G; 22% F; 15% C; 14%S; 5%I

[/quote]

Call it what you want but that is market timing (reminds me of the alleged Winston Churchill quote "we've already established what you are, now we're just haggling over the price")[/quote]

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