Reply to Timing the market crash and my tsp

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I took one of those week-long retirement classes awhile back and the smartest advice I got came from the financial guy. He said never put anything in G or a Life Cycle fund. Put it 50:50 in C:S and ride out all storms. Even if you’re near or in retirement— it’s not like you’re going to suddenly liquidate and historically it always recovers and grows. I had $400 K in 2012 and have $2.4 M today, following his advice.[/quote]

That's crappy advice for too many reasons to list.[/quote]

Actually, it isn't for feds thanks to pension and SS/SS supplement. For many, you don't even have to touch TSP. I personally wouldn't do 50/50 between CS but I am also 100% in CS (similar balance as PP ~2.3)[/quote]

Most retired feds aren't GS 15s retiring with fat cat pensions, so they will absolutely be withdrawing from their TSP.
 
Very few people, especially those on retirement have the risk tolerance for 100% equity.

Not recommending any international is kind of crazy, especially considering the fact that all lifecycle funds include international.

Recommending 50% small cap is also not advisable due to volatility and very thin evidence that a small cap premium without a quality filter exists.

[/quote]

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