Re: [TSP_Strategy] TSP Investment

 

Agreed - you need to figure out what's best for you and take responsibility.  The value of this board is people sharing what they are doing and why.

I'm retired (one year) and have done a lot of reading and research in the past few years before retirement.  One idea I found and liked was the idea of keeping 25%-33% in a safe place such as the G after retirement.  This would give you at least 5 years of funds should a severe correction occur.  I'm following that idea.  

I've compared my former strategy of L2020 with what I did before retirement and what I'm doing now.  TSP strategy has consistently beat the L2020. Even my modified strategy (keeping 25 and now 33% in G) is beating the L2020.

Everyone is different and this may or may not work for you.  I sleep better knowing my money is still growing but part of it is also safe.  I also have retirement funds in TIAA-CREF (for non-profits) and have always had part of my funds in their equivalent of the G - just because I really didn't know any better and then choose to leave it since the outcome is a fixed guaranteed annuity).

Hope others will share their views.  It's why we're here.  - Cindy

On Thursday, April 23, 2015, nom_2@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:

 

Everyone is different and everyone has different risk tolerances and financial needs.  TSP Strategy is a great place to get information and to learn but at the end of the day you and you alone need to be comfortable with YOUR strategy, it's your responsibility.  Sarah gives out great information and recommendations but you need to understand why.  Advice is free.  We don't know your situation and Matt is right.  Markets will either go up or down and when they actually move is pretty difficult to time.  Some folks need to tap into their TSP when they are 59 1/2 or sooner while others can wait, similar case with SSI.  You need to look at what you need and that is different for everyone just as Roger stated. 

If your wife still works there are some agencies that partially pay for the services of a financial planner, my agency (DOI-USFWS) pays $200 but that's enough for a pulse check.  The best course of action is to learn why folks are investing one way or another and not to blindly follow advice.  Sarah is doing a great service by providing information to folks but you need to understand why she is making recommendations and then determine if you want to follow. 

It's your money, I wouldn't put it as harshly as Matt has said in his post but I agree with most of his points.

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-- Cindy King

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Posted by: Cindy King <cindy.kingde@gmail.com>

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