Keep in mind that if you wait for interest rates to decline before moving to F, you will likely miss significant appreciation of the fund's value (its value will typically grow as rates decline). You may want to split the difference and put some of your "bond" allocation in CDs and some in the F fund.
People who are as close as you are to retirement typically have some percentage allocated to bonds or CDs, but the amount depends on personal factors. People whose pension and social security income will cover most or all of their living expenses can usually invest more in equities since they can ride out severe market swings. You need to decide the level of risk you can tolerate.
On Wed, Aug 16, 2023 at 5:38 PM Tsp novice <red12blue@hotmail.com> wrote:
I am sitting on 100% c&s and 1 year or so to retire. I know I am supposed to be in stock/bonds. But CDs are paying 5 %.is it ok just be equities/ CDs until the interest rate goes down again and then go into a total bond fund index or f fund? Thanks
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