I just did a spread sheet to see how long money world last if you had started with $200K divided between the C and F fun 50/50 and rebalanced every back to 50/50 using the historical rates from the TSP web site and found that it would have lasted 31 years.
I started with $20K per year withdraw and increased it 1% each year so the last year It gave a final full year of $25,023 you did between nothing else between 1988 and 2018 you would have had over $20K per year to spend.
I wanted to see for my self based on actual past returns how long that money would last. So I could see that with just a little effort you can probable have the money last even longer.
Keep in mind this was just $200K to start and the total withdrawn was $722,654.
I would assume that most people on here will have a lot more than that in their account when they retire so it is just a nice to know example using past returns.
I also used the L income it only lasted 13 years taking out $19,200 a year.
So just an FYI with simple account maintenance you should be able to enjoy money from your TSP for 30 years or more depending on your needs and how much you take out.
| Year | G Fund | F Fund | C Fund | Yaer | Begin balance | Grow | new tot | Withdraw | End Balance | Year | Begin balance | Grow | new tot | withdraw | End Balance | Tot to rebalnce | Total Withdraw | ||||
| 0.0881 | 0.0363 | 0.1184 | 1 | $100,000.00 | $3,630.00 | $103,630.00 | $10,000.00 | $93,630.00 | 1 | $100,000.00 | $11,840.00 | $111,840.00 | $10,000.00 | $101,840.00 | $195,470.00 | $20,000.00 | |||||
| 0.0881 | 0.1389 | 0.3103 | 2 | $97,735.00 | $13,575.39 | $111,310.39 | $10,100.00 | $101,210.39 | 2 | $97,735.00 | $30,327.17 | $128,062.17 | $10,100.00 | $117,962.17 | $219,172.56 | $20,200.00 | |||||
| 0.0890 | 0.0800 | -0.0315 | 3 | $109,586.28 | $8,766.90 | $118,353.18 | $10,201.00 | $108,152.18 | 3 | $109,586.28 | -$3,451.97 | $106,134.31 | $10,201.00 | $95,933.31 | $204,085.50 | $20,402.00 | |||||
| 0.0815 | 0.1575 | 0.3077 | 4 | $102,042.75 | $16,071.73 | $118,114.48 | $10,303.01 | $107,811.47 | 4 | $102,042.75 | $31,398.55 | $133,441.30 | $10,303.01 | $123,138.29 | $230,949.76 | $20,606.02 | |||||
| 0.0723 | 0.0720 | 0.0770 | 5 | $115,474.88 | $8,314.19 | $123,789.07 | $10,406.04 | $113,383.03 | 5 | $115,474.88 | $8,891.57 | $124,366.45 | $10,406.04 | $113,960.41 | $227,343.44 | $20,812.08 | |||||
| 0.0614 | 0.0952 | 0.1013 | 6 | $113,671.72 | $10,821.55 | $124,493.27 | $10,510.10 | $113,983.17 | 6 | $113,671.72 | $11,514.95 | $125,186.67 | $10,510.10 | $114,676.56 | $228,659.73 | $21,020.20 | |||||
| 0.0722 | -0.0296 | 0.0133 | 7 | $114,329.87 | -$3,384.16 | $110,945.70 | $10,615.20 | $100,330.50 | 7 | $114,329.87 | $1,520.59 | $115,850.45 | $10,615.20 | $105,235.25 | $205,565.75 | $21,230.40 | |||||
| 0.0703 | 0.1831 | 0.3741 | 8 | $102,782.88 | $18,819.54 | $121,602.42 | $10,721.35 | $110,881.07 | 8 | $102,782.88 | $38,451.07 | $141,233.95 | $10,721.35 | $130,512.60 | $241,393.66 | $21,442.71 | |||||
| 0.0676 | 0.0366 | 0.2285 | 9 | $120,696.83 | $4,417.50 | $125,114.34 | $10,828.57 | $114,285.77 | 9 | $120,696.83 | $27,579.23 | $148,276.06 | $10,828.57 | $137,447.49 | $251,733.26 | $21,657.13 | |||||
| 0.0677 | 0.0960 | 0.3317 | 10 | $125,866.63 | $12,083.20 | $137,949.83 | $10,936.85 | $127,012.97 | 10 | $125,866.63 | $41,749.96 | $167,616.59 | $10,936.85 | $156,679.74 | $283,692.71 | $21,873.71 | |||||
| 0.0574 | 0.0870 | 0.2844 | 11 | $141,846.36 | $12,340.63 | $154,186.99 | $11,046.22 | $143,140.77 | 11 | $141,846.36 | $40,341.10 | $182,187.46 | $11,046.22 | $171,141.24 | $314,282.01 | $22,092.44 | |||||
| 0.0599 | -0.0085 | 0.2095 | 12 | $157,141.00 | -$1,335.70 | $155,805.30 | $11,156.68 | $144,648.62 | 12 | $157,141.00 | $32,921.04 | $190,062.04 | $11,156.68 | $178,905.36 | $323,553.98 | $22,313.37 | |||||
| 0.0642 | 0.1167 | -0.0914 | 13 | $161,776.99 | $18,879.37 | $180,656.37 | $11,268.25 | $169,388.12 | 13 | $161,776.99 | -$14,786.42 | $146,990.57 | $11,268.25 | $135,722.32 | $305,110.44 | $22,536.50 | |||||
| 0.0539 | 0.0861 | -0.1194 | 14 | $152,555.22 | $13,135.00 | $165,690.22 | $11,380.93 | $154,309.29 | 14 | $152,555.22 | -$18,215.09 | $134,340.13 | $11,380.93 | $122,959.19 | $277,268.48 | $22,761.87 | |||||
| 0.0500 | 0.1027 | -0.2205 | 15 | $138,634.24 | $14,237.74 | $152,871.98 | $11,494.74 | $141,377.24 | 15 | $138,634.24 | -$30,568.85 | $108,065.39 | $11,494.74 | $96,570.65 | $237,947.89 | $22,989.48 | |||||
| 0.0411 | 0.0411 | 0.2854 | 16 | $118,973.94 | $4,889.83 | $123,863.77 | $11,609.69 | $112,254.08 | 16 | $118,973.94 | $33,955.16 | $152,929.11 | $11,609.69 | $141,319.42 | $253,573.50 | $23,219.38 | |||||
| 0.0430 | 0.0430 | 0.1082 | 17 | $126,786.75 | $5,451.83 | $132,238.58 | $11,725.79 | $120,512.79 | 17 | $126,786.75 | $13,718.33 | $140,505.08 | $11,725.79 | $128,779.29 | $249,292.08 | $23,451.57 | |||||
| 0.0449 | 0.0240 | 0.0496 | 18 | $124,646.04 | $2,991.50 | $127,637.55 | $11,843.04 | $115,794.50 | 18 | $124,646.04 | $6,182.44 | $130,828.49 | $11,843.04 | $118,985.44 | $234,779.94 | $23,686.09 | |||||
| 0.0493 | 0.0440 | 0.1579 | 19 | $117,389.97 | $5,165.16 | $122,555.13 | $11,961.47 | $110,593.66 | 19 | $117,389.97 | $18,535.88 | $135,925.85 | $11,961.47 | $123,964.37 | $234,558.03 | $23,922.95 | |||||
| 0.0487 | 0.0709 | 0.0554 | 20 | $117,279.01 | $8,315.08 | $125,594.10 | $12,081.09 | $113,513.01 | 20 | $117,279.01 | $6,497.26 | $123,776.27 | $12,081.09 | $111,695.18 | $225,208.19 | $24,162.18 | |||||
| 0.0375 | 0.0545 | -0.3699 | 21 | $112,604.09 | $6,136.92 | $118,741.02 | $12,201.90 | $106,539.12 | 21 | $112,604.09 | -$41,652.25 | $70,951.84 | $12,201.90 | $58,749.94 | $165,289.06 | $24,403.80 | |||||
| 0.0297 | 0.0599 | 0.2668 | 22 | $82,644.53 | $4,950.41 | $87,594.94 | $12,323.92 | $75,271.02 | 22 | $82,644.53 | $22,049.56 | $104,694.09 | $12,323.92 | $92,370.17 | $167,641.19 | $24,647.84 | |||||
| 0.0281 | 0.0671 | 0.1506 | 23 | $83,820.59 | $5,624.36 | $89,444.95 | $12,447.16 | $76,997.80 | 23 | $83,820.59 | $12,623.38 | $96,443.97 | $12,447.16 | $83,996.82 | $160,994.61 | $24,894.32 | |||||
| 0.0245 | 0.0789 | 0.0211 | 24 | $80,497.31 | $6,351.24 | $86,848.54 | $12,571.63 | $74,276.91 | 24 | $80,497.31 | $1,698.49 | $82,195.80 | $12,571.63 | $69,624.17 | $143,901.08 | $25,143.26 | |||||
| 0.0147 | 0.0429 | 0.1607 | 25 | $71,950.54 | $3,086.68 | $75,037.22 | $12,697.35 | $62,339.87 | 25 | $71,950.54 | $11,562.45 | $83,512.99 | $12,697.35 | $70,815.65 | $133,155.52 | $25,394.69 | |||||
| 0.0189 | -0.0168 | 0.3245 | 26 | $66,577.76 | -$1,118.51 | $65,459.25 | $12,824.32 | $52,634.93 | 26 | $66,577.76 | $21,604.48 | $88,182.24 | $12,824.32 | $75,357.92 | $127,992.86 | $25,648.64 | |||||
| 0.0231 | 0.0673 | 0.1378 | 27 | $63,996.43 | $4,306.96 | $68,303.39 | $12,952.56 | $55,350.82 | 27 | $63,996.43 | $8,818.71 | $72,815.14 | $12,952.56 | $59,862.57 | $115,213.40 | $25,905.13 | |||||
| 0.0204 | 0.0091 | 0.0146 | 28 | $57,606.70 | $524.22 | $58,130.92 | $13,082.09 | $45,048.83 | 28 | $57,606.70 | $841.06 | $58,447.76 | $13,082.09 | $45,365.67 | $90,414.50 | $26,164.18 | |||||
| 0.0182 | 0.0291 | 0.1201 | 29 | $45,207.25 | $1,315.53 | $46,522.78 | $13,212.91 | $33,309.87 | 29 | $45,207.25 | $5,429.39 | $50,636.64 | $13,212.91 | $37,423.73 | $70,733.60 | $26,425.82 | |||||
| 0.0233 | 0.0382 | 0.2182 | 30 | $35,366.80 | $1,351.01 | $36,717.81 | $13,345.04 | $23,372.77 | 30 | $35,366.80 | $7,717.04 | $43,083.84 | $13,345.04 | $29,738.80 | $53,111.57 | $26,690.08 | |||||
| 0.0015 | -0.0441 | -0.0926 | 31 | $26,555.79 | $39.83 | $26,595.62 | $13,478.49 | $13,117.13 | 31 | $26,555.79 | -$1,171.11 | $25,384.67 | $13,478.49 | $11,906.19 | $25,023.32 | $26,956.98 |
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