YES, regarding watching asset allocation in retirement...
The more you have in pensions and "bucket" money to cover expenses for a few years, the more you can handle risk in market. Most financial planners, fiduciary ones included, suggest 1-3 years in expenses, but if you're in significant percentages in the market , it may have to be more.
Psychology is powerful...many cannot stand seeing a portfolio down much more than 15-20%. Many get nervous and sell at wrong point, thinking they could either lose more or never had a real plan in case that happened. Some don't think it will happen to them. I've seen it, it's not pretty.
Best wishes to all.
Thanks for good info, Sarah !
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Posted by: Liz Sharpe <lizhsharpe@gmail.com>
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Neither the TSP Strategy group, nor individual members, are licensed or authorized to provide investment advice. Any statements made herein merely reflect the personal opinions of the individual group member. Please make your own investment decisions based upon your personal circumstances.
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