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Retirement Planning and the Decline of Your TSP Investments

All G

General Engineer
Redstone Arsenal
Thu Mar 5, 2009 2:46 PM

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Got out of the stock funds around the first of October last year before the big decline. Went to 90% G with the rest in the F fund. Did make a slight profit, then went to S fund past 2 months. Recently got to all G. Lost about about $6k from S fund. Am in FERS, eligible to retire now-65 years old. Plan to wait another 3 years while paying back college loans for kids. Don't expect to recover. Can't conceive why Obama won't reduce the capital gians tax or reduce corporate tax rate- that would be a huge recovery for the mkt.

TSP

QUALITY ASSURANCE REP
DoD
Thu Mar 12, 2009 4:37 PM

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With 14 years to go for my retirement it makes me wonder if in fact the G fund is a good place to put my money. From what I understand, is that the monies from the G fund is where the money for the economic stimulus packages came from. With that thought in mind, and the fact that some of the Stimulus recipients companies or organizations may even go bankrupt. What makes the G fund a “safe” fund? As of now I am still keeping my money in the S and I funds.

Retirement Planning

Program Analyst
OPM
Fri Mar 13, 2009 9:54 AM

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Remember the old adage about putting all your eggs in one basket? Well, the basket has sprung a leak. Being over 591/2 my plan is to take my entire TSP savings and buy hard assets, like real estate while the market is down. The rest I will invest in IRAs and other programs, including rejoining the TSP.
Diversify, diversify, diversify

FERS retirement and the TSP

EMTS
DoD
Tue Mar 17, 2009 7:39 AM

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Regardless of the circumstances, my wife and I are going to "retire soon". We have already purchased our retirement home. Years ago Government work was the best. Today, the Government agencies all seem to be the same; i.e., places where favoritism is the path for advancement and the good, dependable workers are shunned. I no longer want to be a part of it. So, I'll "retire" from Government work and then work for someone else. Perhaps my own business or a state/county/city government job.

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