- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
If anyone is invested in the Thrift Saving Plan:
Posted on 4/7/21 at 3:38 pm
Posted on 4/7/21 at 3:38 pm
Which fund are you currently invested in? Which will make the most historically?
Posted on 4/7/21 at 3:57 pm to Codeasy87
C tracks the S&P500
S tracks Dow Jones U.S. Completion Total Stock Market Index
Your best bet is to mix your investments across those 2 funds.
I fund is international, but is mostly limited to Europe and not emerging markets. Really not been a good performer for a long while. Might want to put a little here for diversification.
F is basically a bond fund, if you are interested in that
G is a special fund that is basically like a savings account that tries to track with inflation. No other investment platform has something similar. Very safe place to park your money, but not super high returns.
L funds are just mixtures of the ones above. Not a big fan of those as they have too much bonds and I for my tastes.
S tracks Dow Jones U.S. Completion Total Stock Market Index
Your best bet is to mix your investments across those 2 funds.
I fund is international, but is mostly limited to Europe and not emerging markets. Really not been a good performer for a long while. Might want to put a little here for diversification.
F is basically a bond fund, if you are interested in that
G is a special fund that is basically like a savings account that tries to track with inflation. No other investment platform has something similar. Very safe place to park your money, but not super high returns.
L funds are just mixtures of the ones above. Not a big fan of those as they have too much bonds and I for my tastes.
Posted on 4/7/21 at 4:06 pm to UltimaParadox
I've been following a strategy on this site. Didn't know if anyone else is following the same?
LINK /
LINK /
Posted on 4/7/21 at 4:41 pm to Codeasy87
Split between C and S funds. Not close to retirement so I’m cool with it
This post was edited on 4/7/21 at 4:41 pm
Posted on 4/7/21 at 6:18 pm to Codeasy87
I invest in and L fund that's past my target retirement date. As another poster mentioned the L funds skew conservative so I went with a later date thinking it would remain less conservative over time. I just set it and forget it. Check it maybe twice a year.
Posted on 4/7/21 at 11:13 pm to Codeasy87
quote:
Which will make the most historically?
C fund. Not saying to put it all in there, but I’m pretty sure it has the best historic return.
Saw an article about TSP millionaires. They said most maxed out their contributions from the beginning of employment and were all or heavy into C fund.
You may want to go with an L fund to set it and forget it. Or you could periodically adjust your allocations yourself, and take a look at an L fund for your retirement time and use its distribution as a measuring stick to see if you are in the same ballpark as far as ratio of stock and bonds,
Don’t forget catch-up contributions, starting in the year you turn 50. Allows you to kick in several thousand more per year.
Posted on 4/8/21 at 12:02 am to Codeasy87
C & S.
I used to have some in I for the international exposure but recently learned it has no emerging market and is concentrated in slower growth European markets.
L funds are too conservative. If you must use them pick a target further out than your anticipated retirement. There is no reason to have anything in bonds at current rates especially if you expect rates to go up. Likely to lose more on the sideline waiting for a market correction than gain by the reallocation if stocks go down.
I used to have some in I for the international exposure but recently learned it has no emerging market and is concentrated in slower growth European markets.
L funds are too conservative. If you must use them pick a target further out than your anticipated retirement. There is no reason to have anything in bonds at current rates especially if you expect rates to go up. Likely to lose more on the sideline waiting for a market correction than gain by the reallocation if stocks go down.
Posted on 4/8/21 at 5:26 am to Codeasy87
Can't argue with Warren Buffet, 90% C, 10% F. Still young so being aggressive is the key for me right now.
Posted on 4/8/21 at 7:54 am to Dipper Jones
Interesting. Logging in now to see
Posted on 4/8/21 at 8:20 am to TorchtheFlyingTiger
quote:
L funds are too conservative. If you must use them pick a target further out than your anticipated retirement. There is no reason to have anything in bonds at current rates especially if you expect rates to go up. Likely to lose more on the sideline waiting for a market correction than gain by the reallocation if stocks go down.
Another reason to avoid L fund as well if you are a federal employee in FERS. FERS is basically a giant bond already.
Posted on 4/8/21 at 9:27 pm to Codeasy87
I’m split 50/50 C & S Funds as I’m still pretty early on in my working life. Will eventually shuffle some over to the most appropriate Lifecycle fund as I get older, but probably not for a while...
Posted on 4/9/21 at 6:53 am to Dipper Jones
quote:
10% F. Still young so being aggressive is the key for me right now.
Why F? That's not aggressive. If your plan is to reallocate and use that 10% to buy during market correction it may be useful but you're probably better off just investing it all as you get it.
Posted on 4/9/21 at 10:24 am to Codeasy87
I subscribe to a service that advises allocation according to my risk preference. You can reallocate up to two times per month without penalty/fee. Current allocations are:
G - 19%
F - 10%
C - 46%
S - 10%
I - 15%
G - 19%
F - 10%
C - 46%
S - 10%
I - 15%
Posted on 4/13/21 at 4:52 am to Codeasy87
(no message)
This post was edited on 7/11/21 at 8:49 pm
Posted on 4/13/21 at 4:55 am to CrusaderInfidel
Also, don’t just sit and take it. Pay attention to S&P and move to G when it drops more than 2.5%
Posted on 4/13/21 at 6:48 am to CrusaderInfidel
quote:
Pay attention to S&P and move to G when it drops more than 2.5%
When it drops 2.5% over what time frame?
day
Week
Month?
Posted on 4/13/21 at 1:39 pm to PetroBabich
quote:
I invest in and L fund that's past my target retirement date. As another poster mentioned the L funds skew conservative so I went with a later date thinking it would remain less conservative over time. I just set it and forget it. Check it maybe twice a year.
That might sound appealing, but when is the last time you compared historical returns of a C and S split with the L funds?
Good luck finding more than a single year when that worked out in favor of L fund investing.
Posted on 4/13/21 at 2:49 pm to Willie Stroker
I’m a year and a half away from retirement and I’m in the L funds. I have mine distributed in the outer years past my retirement date. My rolling return is ~17%. I’m pretty satisfied
Posted on 4/13/21 at 9:12 pm to Ron Cheramie
Great question.
The 2.5% drop that signals move to G has always been within a week. The TSP allows you to make unlimited moves to G each month - only 2 vice versa.
The 2.5% drop that signals move to G has always been within a week. The TSP allows you to make unlimited moves to G each month - only 2 vice versa.
Popular
Back to top
Follow TigerDroppings for LSU Football News