Anonymous
Post 07/03/2013 15:10     Subject: TSP- How have you allocated your investments?
Anonymous wrote:60/20/20
C/S/I


Your allocation is looking good when stock market hit record high every day. I does not look too good when the stock market hit the bottom like 2008 and 2009.
Anonymous
Post 07/03/2013 15:03     Subject: TSP- How have you allocated your investments?
60/20/20
C/S/I
Anonymous
Post 07/03/2013 14:00     Subject: TSP- How have you allocated your investments?
I invested in the "right" L fund but I am more aggressive with other investments.
Anonymous
Post 07/03/2013 13:59     Subject: TSP- How have you allocated your investments?
Anonymous wrote:50/50 between C and S fund.


+1
I'm 40 years old.
Anonymous
Post 07/03/2013 13:59     Subject: Re:TSP- How have you allocated your investments?
Anonymous wrote:
Anonymous wrote:I have done well with a combo of C, I, and S.

I wanted to be slightly more aggressive than the lifecyle funds.


I did too, so I chose a later year lifecycle.


Ditto. I'd like to retire in 2040 but picked the later fund.
Anonymous
Post 07/03/2013 13:36     Subject: Re:TSP- How have you allocated your investments?
Anonymous wrote:I have done well with a combo of C, I, and S.

I wanted to be slightly more aggressive than the lifecyle funds.


I did too, so I chose a later year lifecycle.
Anonymous
Post 07/03/2013 12:30     Subject: Re:TSP- How have you allocated your investments?
I have done well with a combo of C, I, and S.

I wanted to be slightly more aggressive than the lifecyle funds.
Anonymous
Post 07/03/2013 12:27     Subject: TSP- How have you allocated your investments?
50/50 between C and S fund.
Anonymous
Post 07/03/2013 10:54     Subject: TSP- How have you allocated your investments?
Why doesn't DH help you monitor and rebalance?
Anonymous
Post 07/03/2013 09:56     Subject: TSP- How have you allocated your investments?
you should find an asset allocation you are comfortable with (or use the lifecycle fund if you are not comfortable with picking one) and then stick with it.

it is very easy for someone to have better returns over any given time period. stocks have been doing well so someone who is heavy in stocks will do better now. when stocks drop (which they almostly certainly will sometime in the next 10-15 years) people who are heavy in stocks will have big losses.

it is very dangerous to "market time"-- i.e. try to guess when stocks will do better than bonds, or int'l better than domestic, etc.

The average investor ends up taking a large hit on their retirement savings because they buy high and sell low trying to follow performance instead of sticking with a plan.
Anonymous
Post 07/03/2013 09:52     Subject: TSP- How have you allocated your investments?
Anonymous wrote:which fund was your husband using?
Sorry for the confusion. He is in a private 401K. He said that he monitors the funds and makes adjustments two or three times per year.
Anonymous
Post 07/03/2013 09:30     Subject: TSP- How have you allocated your investments?
which fund was your husband using?
Anonymous
Post 07/03/2013 09:18     Subject: TSP- How have you allocated your investments?
lifecycle
Anonymous
Post 07/03/2013 08:17     Subject: TSP- How have you allocated your investments?
Life cycle.
Anonymous
Post 07/03/2013 08:00     Subject: TSP- How have you allocated your investments?
I have been in a lifecycle fund since I started my job five years ago. I rarely checked performance and just figured "they" were managing it better than I could. My husband and I just reviewed retirement accounts and it turns out that he has almost 12K more in his account than I do in mine, even though I contribute 10% more money than he does. I guess I should start paying attention!

How do you decide which funds to use? I'm at a loss.

Thanks,