Readers' Comments
Total Comments: 9
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Best TSP Fund for the Long Haul?
Total Comments: 9
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| Close | Change | YTD | |
| G | $12.6959 | +0.0013 | +3.39% |
| F | $11.9530 | -0.0247 | +0.19% |
| C | $9.2824 | -0.6039 | -43.95% |
| S | $10.1934 | -0.8828 | -48.49% |
| I | $12.0957 | -0.7697 | -51.15% |
| Close | Change | YTD | |
| L 2040 | $11.0060 | -0.6167 | -39.66% |
| L 2030 | $11.2839 | -0.5499 | -35.19% |
| L 2020 | $11.6920 | -0.4696 | -29.78% |
| L 2010 | $13.1320 | -0.2608 | -15.06% |
| L Income | $12.3301 | -0.1593 | -8.46% |
November 20, 2008
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Best for one is not necessarily best for all
NAVAIR
Tue Jul 22, 2008 10:22 AM
Post Reply
Unnecessarily broad (possibly under-broad?) painting. I will have multiple sources of retirement income providing me with adequate base living pay. This leaves me to be more free in my risk, and I plan to be heavily invested in my TSP in the stock markets up to retirement, and plan to continue to have that money reinvested in stocks after retirement.
Someone who will be carrying a mortgage (and possibly other debt) into retirement, have a work-at-home wife (therefore not contributing to the retirement income mix) and/or living in a high-cost area would probably be better advised to use a more life-cycle style plan of retirement invetsment. Or, if you're just risk-adverse by nature, then a life-cycle style would probably be advised.
I Fund
SSA
Tue Jul 22, 2008 7:12 PM
Post Reply
The I Fund will be the best performer going forward because the dollar will continue to fall due our massive trade imbalance and our leaders' inflationary practices.
Title should read best allocation, not best fund
DoD
Tue Jul 22, 2008 9:22 PM
Post Reply
The danger in debating the best fund is that the importance of a properly diversified allocation is ignored. If we focus on just the best fund there will be a temptation for some to put all their money in that one fund (note - this doesn't apply to lifecycle funds since they're already diversified).
Putting all your money in one of the basic funds (C,S,I,G,F) is a dangerous strategy, you never know when the "best" fund it going to tank (and they all do eventually).
L Funds and financial literacy
Us Postal Service/Now Retired
Wed Jul 23, 2008 10:11 AM
Post Reply
One of the problems with the lifecycle funds is that people have not understood the concept. I give financial seminars to federal employees and many of them are using the lifecycle funds, but only on a partial level. This defeats the concept. All agencies of the federal government(including the Postal Service) need to actively step up their training in the financial literacy arena. Employees are woefully undereducated as to how to invest their money. As the % of FERS employees steadily increases, the importance of the Thrift plan for federal employees increases. Education in the form of seminars is the best way to help increase financial literacy.
Re: L Funds and financial literacy
DOD
Mon Aug 4, 2008 9:58 AM
Best TSP Fund for the Long Haul?
BOP
Wed Jul 23, 2008 10:28 AM
Post Reply
I have my investments in several Lifecycle funds. I retire in 2014 since that is in the middle of 2010 and 2020 I have account in a mix of both of them. Ten years is to much of a gap for the L funds.
Investment Strategies
Energy
Wed Jul 30, 2008 8:37 AM
Post Reply
What is the best tsp for the short haul?
If the market is taking a downward spiral should you maintain your investment or quickly change?
Cyclical
DOD
Thu Jul 31, 2008 12:15 PM
Post Reply
While I don't count the U.S. out ever, I have to agree with "Economist" that the "I" fund is the place to be. Many people feel the G-Fund is safe and if you are close to retiring and are risk adverse I would go there. Just think about putting some new contributions in the "I" fund as "Play" money. A small amount perhaps, and when it gets high sell transfer it to the "G" fund, and start all over. My Mother did this and kept her money safe, while knowing that she could play the market without losing a lot of sleep. If the dollar gets any weaker we will be a third world country sooner than later.