Hi Anthony, sounds like you've received some excellent advice for your distribution. Some might say to keep some in G and F but since you're young, I think it's smart to go all equity funds (C, S, I). I think I'd even the C and S out a bit but I still think you're fine where you're at. I'm 45 and still in all equities.
If you prefer not to have any money in G or F, don't do the L funds. They all have a certain percentage of G and F, with the L2050 having less (but still a combined 16% G/F). It's all about how much risk you're willing to take. Some people are very risk averse and keep everything in G, which works for them. On the other side, many of us prefer to be all equities to maximize gains. Sure the market will drop sometimes and it sucks to see your account value drop, but it eventually rebounds. The value of your account drops, but your #shares will not drop. Don't panic and don't sell during a downturn! That's when people lose out by selling their shares at a much lower price than they bought them for. You just have to stay the course and enjoy the cheap shares you're buying while the market is down. Speaking of that, do you have your current distribution the same as your contribution allocations?
Mike
On Fri, Dec 29, 2017 at 11:01 AM, antjones6691@yahoo.com [TSP_Strategy] <TSP_Strategy@yahoogroups.com> wrote:
Hello everyone,
First I would like to thank everyone for accepting me into this amazing group. I'm a young SGT who's only had a TSP for 6 years now but until recently only had my money in the G fund with hardly any gains. Until maybe 3 months ago I have been more active with my TSP account with getting the some advise from my higher ups and now moving money in to different funds . I currently have 50% in C fund 25% in S fund and 25% in I fund. My question is should I keep it this way for now or completely switch it to the S fund or the I fund ?
Thank you ,
Anthony
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Posted by: Mike VanAmburgh <mjv325@gmail.com>
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