Here's my reasoning. I'm open to learning and making better returns.
I compared performance of G vs F looking at TSP history, and F beats G over 50% of the time.
Long term F seems a better choice.
If you're making a move to safety, F seems like a better bet than G. F typically moves opposite of C S and I.
If F goes negative, its moves are subtle compared to C S and I, so a mistake in using F, is not a big mistake in the downward direction.
G doesn't keep up with inflation so you are losing spending power over a long term.
So if my simplistic analysis is true, then why go to G?
It seems a typical rule of thumb I've seen in several places, 40% bonds - that's for non-TSP investor in their 50s. So 40% F seems to square with that advice. Also, it kind of lines up with L Fund ratios if you replace G with F.
On Jan 27, 2016, at 8:50 PM, Doug Peterson dpatd10@gmail.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
In my opinion 40% F and 0% G doesn't pass the risk/reward test, especially if that is a "set it and forget it" ratio. (And 21% I is really high). I would look for another advisor.On Wed, Jan 27, 2016 at 8:05 PM, John toroboy682000@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:My contributions are based on my financial advisor's advice. F40, C 26, S 13, I 21. I don't change contribution. They recommend staying with this as the portfolio allocation through thick n thin.But I do change allocation - currently F 40, C 40, S 20. Changed Jan 6 from L2020 to get out of I fund.Less than 3 yrs from MRA+30 retirement. Trying to preserve and gain at the same time.
On Jan 27, 2016, at 1:48 PM, pickin6string@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:Curious, I'm still purchasing S with my bi-weekly allocation. What are others doing at this point? I feel like I've read that it might be wiser to purchase C.
Thanks!
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Posted by: John <toroboy682000@yahoo.com>
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