It's definitely an individual choice. I don't feel the need to move anything to G at retirement time and I'm pretty sure I'll be in some sort of C S I mix until the day I die.
Sure, there will be dips and probably more recessions but you don't lose unless you panic and sell low. It's not fun to see your account balance drop but just ride it out and watch it go back up eventually.
Mike
On Jun 3, 2017, at 5:37 AM, Russel Todd toddrukkus@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
I think we should start by looking at how long a the economy takes to bounce back, probably the most extreme case scenario; Considering that's when you "need" the money. So it would make sense to take the longest time it has shown to recover. Since I am not planning to rely on retirement I will be in the C, S, or I fund up until 2 years before retirement.It's just an opinion though.On Saturday, June 3, 2017, 4:25:01 PM GMT+9, Gary Forehand gsf8_36@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:I recently went to a retirement seminar. Your answer lies within the risk you are willing to take. If you put all your money in the G Fund, you will end up losing due to inflation. You will also not make up for any distributed funds.One method presented at the seminar is to look at when you project you will need the funds, which is not necessary your retirement date. From there, 10 years out start moving 10% each year to the F fund for 6 six years. You will end up with a 60% F Fund / 40% C or S or combination of C/S. The method did not use the L or I funds. Stay with this mix throughout the retirement years and hopefully you will earn what is taken out of the account (or close to it) to maintain or stay close to initial balance upon receiving funds.By no means am I telling anyone to do this...just a method that made sense to me. More risk? Leave more in the market? Less risk? Leave more in bonds. Each individual needs to make the choice.Hope this helps./r Gary
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Posted by: Mike VanAmburgh <mjv325@gmail.com>
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