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[quote=Anonymous][quote=Anonymous]Most feds I know who sold out and put into the G fund, never timed the market correctly to get back in.  This is starting from 2008-2010 Financial Crisis.  I know it's scary.  We lost around 40% in market value during that time, but spouse and I kept it in mostly equities b/c we knew our investment horizon was more than 20 plus years at that point.  I used to have more G and F, but in the last 5 years or more, they've really sucked.  As PPs point out, owning G is losing money.  F has been even worse.  I have 90% in C,S and I.  I am 51 soon to be 52 and have $1.6M in TSP.  I am not selling equities to move to G fund and realizing the loss of Trump/Musk's craziness these last 7 weeks.  Since we won't access the TSP all at once, there is still time to recover it over time.  I'm old enough to realize that last 10 years is not normal for market returns anyway.  If we average 7% over the lifetime of the account, I would rather do that then lose it all to G.  Besides with everything they're doing US dollars will become worth even less (e.g., huge tax cuts for billionaires/wealthy, firing tons of fed workers, tariffs).[/quote]

Maybe this is a dumb question but if the C/S/I funds lost 40% wouldn't someone who sold C/S/I and bought G/F at any point during that 40% slide still be better off than someone who stayed in?

Sure it's practically impossible to time it exactly and reap that entire 40% but even if you didn't sell until 20% down and then bought back in while 30% down and it lost another 10%, you're still 10% up on someone who held the whole time, right? [/quote]

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