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Started By
Message
Anyone else a federal employee? Thrift Savings Plan related.
Posted on 7/12/18 at 2:15 pm
Posted on 7/12/18 at 2:15 pm
First off, I'm a novice and just started playing around with my allocations today on my account.
What % should I contribute across the board to each of the G,F,C,S, and I funds to receive the biggest return in say....10 years from now?
I am mostly interested in the C fund(common stock index).
TIA for any advice or guidance.
What % should I contribute across the board to each of the G,F,C,S, and I funds to receive the biggest return in say....10 years from now?
I am mostly interested in the C fund(common stock index).
TIA for any advice or guidance.
10
Posted on 7/12/18 at 3:29 pm to JS87
quote:
What % should I contribute across the board to each of the G,F,C,S, and I funds to receive the biggest return in say....10 years from now?
I would tell you but my crystal ball is in the shop for repairs
Posted on 7/12/18 at 3:53 pm to JS87
you can look at the funds performances since the life of the fund on the tsp page
C fund has been a very good fund over its life
also like the target date funds
there are a lot of variables here that come into play as to which funds for you to choose
C fund has been a very good fund over its life
also like the target date funds
there are a lot of variables here that come into play as to which funds for you to choose
Posted on 7/12/18 at 6:29 pm to JS87
Simplest plan is pick an L fund based on your age.
Posted on 7/12/18 at 7:24 pm to JS87
quote:
What % should I contribute across the board to each of the G,F,C,S, and I funds to receive the biggest return in say....10 years from now?
Nobody knows the answer to that question. If it were that easy we'd all be millionaires.
Generally the best plan is to figure out your risk tolerance and weight your portfolio accordingly.
For example, are you the sort who will sell everything after a market crash? Or would you see it as an opportunity to buy more?
Posted on 7/12/18 at 8:00 pm to JS87
There are charts that show the historics of each fund. If you are looking short term (10 years) I’d suggest C and S funds if you don’t mind the risk, historically they have the highest returns. Whatever you do, don’t let your funds sit in G fund, I think it barely keeps up with inflation.
Posted on 7/12/18 at 9:07 pm to JS87
Posted on 7/12/18 at 9:17 pm to JS87
The real question is how close to retirement are you? The younger you are the more you should put in the C, S and I. As you get closer to retirement you should move it to the G fund to protect your money close to retirement.
Know a guy that wanted to retire in 2011. but was all in the C and S in 2008. Lost about $200,000. He stayed working till 2013 to recoup his losses.
Know a guy that wanted to retire in 2011. but was all in the C and S in 2008. Lost about $200,000. He stayed working till 2013 to recoup his losses.
Posted on 7/12/18 at 11:02 pm to ScottieP
I'm in L2050 since I'm still a whileeeeeeee from retirement.
Posted on 7/13/18 at 7:47 pm to makersmark1
I avoid the Lifecycle funds. They're too heavily weighted in treasuries (G) and bond funds (F) for my liking. Besides,I wouldn't be putting money in bond funds in today's rising interest rate environment. I'm 100% equities and will ride out the ups and downs until I'm much older. I keep a mix C, S, and I.
This post was edited on 7/13/18 at 10:08 pm
Posted on 7/13/18 at 8:58 pm to TorchtheFlyingTiger
To make the most, go 100% S.
However, the L funds rebalance for you over time which keeps it simple.
The good news is all of the options are very low cost.
However, the L funds rebalance for you over time which keeps it simple.
The good news is all of the options are very low cost.
Posted on 7/13/18 at 8:58 pm to JS87
Are you Military or civilian?
I set it and forgot it as an O-1. Maxed out the contribution each year. If mil, you can go to 54kish if deployed. I did that on a couple of deployments. If you ever leave, it is fairly benign to transfer.
I set it and forgot it as an O-1. Maxed out the contribution each year. If mil, you can go to 54kish if deployed. I did that on a couple of deployments. If you ever leave, it is fairly benign to transfer.
Posted on 7/13/18 at 9:26 pm to JS87
quote:
What % should I contribute across the board to each of the G,F,C,S, and I funds to receive the biggest return in say....10 years from now?
Is that your retirement target date? The window is very important. If you're interested in a "fire and forget" solution, I would recommend looking at the lifecycle funds - in your case, L2030.
Otherwise, I would still recommend 60C/20S/20I at least until you're in a 2 to 3 year window prior to retirement, then start making quarterly shifts over to G (and maybe F) to be completely out of equities in a 6 to 12 month window prior to retirement to lock in your returns so you don't get hit with a big correction right before you retire.
Posted on 7/15/18 at 6:26 pm to JS87
After 20 years of TSP, I’m a year away from having a mil in that account.
Those of you that are not Feds, just know that FERS is the equivalent of having 2 mil in a 401k if you’re in a LEO retirement position and have an above average work ethic.
So in the perspective of the above, stay away from L funds. That’s for dullards. Go C and S for the rest of your career, tilting the balance according to the fluctuations of the market.
Those of you that are not Feds, just know that FERS is the equivalent of having 2 mil in a 401k if you’re in a LEO retirement position and have an above average work ethic.
So in the perspective of the above, stay away from L funds. That’s for dullards. Go C and S for the rest of your career, tilting the balance according to the fluctuations of the market.
Posted on 7/16/18 at 8:10 am to Willie Stroker
How exactly do you move your funds around? Last time I checked I had to fill out a form and send it in. I was hoping there was an online option, being 2018 and all.
Posted on 7/16/18 at 9:42 am to sodcutterjones
Tsp.gov
Posted on 7/16/18 at 10:21 am to Willie Stroker
quote:
So in the perspective of the above, stay away from L funds. That’s for dullards. Go C and S for the rest of your career, tilting the balance according to the fluctuations of the market.
Followed advice from co-workers/here and just went 80% C 10% S and 10% I
I am 30 years old and don't plan on hanging it up until 60, so I should have a nice little nest egg by then.
Posted on 7/16/18 at 11:01 pm to JS87
I'm 50/50 in C and S
No where near retirement
No where near retirement
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