TSP Investing

Lots of folks seem to panic during downtimes. This comes from not understanding the history of the markets. What goes up must come down. However, the markets will go up again (long-term investing). I’ve made some bad decisions during the learning process, but will refrain from panic moves again. My strategy is buy and hold! In fact, during downtimes, I can buy at much cheaper prices. Although risky, most of my TSP holdings are in I, but I have time on my hands (late 30’s). Future contributions are distributed to ¼ L target date fund and manage the other individual funds myself based on economic indicators. I now only change future contributions, not interfund transfers. Personally, I believe the future will be in international holdings due to the global expansion of US businesses and developing foreign countries. The world is becoming flat. However, I also believe the worst strategy is to put all of the eggs in the same basket. For who may need their savings in the short-term, having a large % in stocks is just too risky. We never know if that will be the time the market’s plunge. I plan to move most of my savings to L Income or G within 3 years of retirement.