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Administered by the Federal Retirement Thrift Investment Board, this defined contribution plan for federal employees has roughly 4,614,874 participants, and over $358 billion in assets under management. Ask your TSP questions and post related topics here.

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Eternal-Itch  
#1 Posted : Tuesday, September 1, 2020 12:49:15 AM(UTC)
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Hi! I'm looking at some recommendations for my TSP allocations about 8-10 years from retirement. Right now I have about 63% G, 20% C, 12% S, 5% I. I have new contributions going directly into C (60%) S (20%) & I (10%) for the past year or so. I think I'm being too conservative having that much in G, though not sure lol. I know there are new lifecycle funds (L2025 and L2030) that would closely match my retirement, but I'm wondering if I should abandon G altogether, F funds don't appear to offer much more return than G. I not a risk-taker but I'd like to be less conservative (moderate?) and perhaps try to gain a little more than I am currently, so I'm wondering if full C, S, & I might be a better approach? What is 60/20/10 for C/S/I considered as far as risk? I appreciate any inputs and advice.
Mike in VT  
#2 Posted : Tuesday, September 1, 2020 5:06:36 AM(UTC)

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Originally Posted by: Eternal-Itch Go to Quoted Post
Hi! I'm looking at some recommendations for my TSP allocations about 8-10 years from retirement. Right now I have about 63% G, 20% C, 12% S, 5% I. I have new contributions going directly into C (60%) S (20%) & I (10%) for the past year or so. I think I'm being too conservative having that much in G, though not sure lol. I know there are new lifecycle funds (L2025 and L2030) that would closely match my retirement, but I'm wondering if I should abandon G altogether, F funds don't appear to offer much more return than G. I not a risk-taker but I'd like to be less conservative (moderate?) and perhaps try to gain a little more than I am currently, so I'm wondering if full C, S, & I might be a better approach? What is 60/20/10 for C/S/I considered as far as risk? I appreciate any inputs and advice.


Everyone will have a different opinion on this. With 10 years or so out:

C- 70%
S- 20%
G- 10%

Under 8 years, but more than 5 years:

C- 60%
S- 10%
G- 30%

roger.d  
#3 Posted : Tuesday, September 1, 2020 5:39:31 PM(UTC)
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This is a very personal decisions.

I am about 6 years from retirement. I am about 90c/10s. A smigin in bonds.

What is your comfort level when the market tanks like it did in March of this year? My portfolio lost just under 30%. I giggled all the way down. I look at it as a buying opportunity.

Unlike 1999-2000 time frame when I had a lot less invested and was freaking out every other day.

What I know today is that the US economy is always going to win. If you look 5-10 years out.

I have been anti I fund for a long time. For me, I don't see the reward for owning it.

https://forum.federalsou...&m=978116#post978116

Off the top of my head, the I fund has severally lagged the C fund for the last 20 years. Maybe beat it 7 out of 20. And then by not much?

8-10 years from retirement, their might be 3-4 more market downturns. Look at them as buying opportunities.
roger.d  
#4 Posted : Tuesday, September 1, 2020 5:47:09 PM(UTC)
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https://www.financialsam...nd-portfolio-weightings/

Here is an assessment of what different stock/bond mixes do over time.

edit:

https://personal.vanguar...el-portfolio-allocations

Edited by user Thursday, September 3, 2020 6:41:34 AM(UTC)  | Reason: Not specified

roger.d  
#5 Posted : Tuesday, September 1, 2020 7:19:57 PM(UTC)
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Here is a post I made about international investing 4 months ago.

https://forum.federalsou...s&t=87055#post966144
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