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.
Gary,
Considering the fact that the F fund can and does go negative on occasion, I would argue that less risk isn't necessarily in bonds but would always be in the G fund, over the short term.
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Posted by: sarah_oz@yahoo.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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