Yes I wouldn't let retirement make that much influence on my TSP investments unless you are going to leave TSP all at once. If you have 20 to 40 years during retirement for the money to grow there is plenty of time for corrections to come back since the overall trend has always been upward unless something changes. I don't see how you could afford to leave the TSP money in the G or F funds for very long as over that many years, the risk is lower than the reward for long terms. Your funds could easily double or triple during retirement. Lots of people could live just fine on government retirement without TSP checks as some basically do but it wouldn't be as fun with less money to spend.
I agree. As long as you are investing in the TSP, you should focus on equities over the long run as they will provide the greatest returns (BION). After retirement, you can always withdraw any funds needed (sort of like living on dividends). To move to the G fund after retirement, and stay in the G fund, is to limit your retirement returns.
Posted by: sarah_oz@yahoo.com
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