Readers' Comments
Total Comments: 17
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How Should You Diversify Your TSP Portfolio?
Total Comments: 17
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| Close | Change | YTD | |
| G | $12.7470 | +0.0007 | +0.05% |
| F | $12.6172 | +0.0216 | +0.29% |
| C | $10.5209 | +0.0356 | +0.83% |
| S | $12.5059 | +0.1427 | +2.45% |
| I | $14.5176 | +0.1584 | +1.84% |
| Close | Change | YTD | |
| L 2040 | $12.6448 | +0.0773 | +1.24% |
| L 2030 | $12.7606 | +0.0676 | +1.09% |
| L 2020 | $12.9752 | +0.0566 | +0.91% |
| L 2010 | $13.8966 | +0.0292 | +0.46% |
| L Income | $12.8270 | +0.0186 | +0.33% |
January 9, 2009
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Diversify TSP Portfolio
Corps OF Engineers
Wed Feb 23, 2005 4:23 PM
Post Reply
I was just speaking with my Financial Advisor about redistribution of my funds, and here are his thoughts for my personal situation:
The Feds have taken the economy about as far as it can go by artificially stimulating it through lowering the Prime Interest Rate and other efforts. Therefore he thinks that the C,S, and I funds are going to go through an adjustment downward between now and summer.
He recommends about 50% between the G and F funds, with the remainder spread out between the C, S, and I. He recommended 15% each in the C and S fund and 20% in the I fund.
He feels that the overseas economy is not as dependent now as it has been in the past on the U.S. economy.
I am 50 with 27 years and plan on retiring at 55. He recommends caution at least through the end of the summer.
I consult with him about every month. In looking at the way the funds have been up and down the last month, the trend is down.
Also, the S&P site on the internet predicts that stocks are going to drop in the S&P500 (C fund is supposed to approximate), and the Wilshire 4500 Index (S fund is supposed to approximate) over the next few months.
Their sites are as follows: www.wilshire.com/indexes/broad/wilshire4500/
AND: tvector.com/stock-market/standard-poors500.htm
As they say; Check it out and decide for yourself!!
Redistribution od TSP allocations with age
NAVAIR
Wed Feb 28, 2007 2:14 PM
Post Reply
I'm getting on in my career and accumulating a reasonable amount of money in in my TSP account. This is when my investments I've been making all these years have the potential to really pay off. However I'm being told that I should be reducing my earnings (moving to lower volatility and return investments). If I've been expecting the G fund to grow (over a period of months/years) in the past, why shouldn't I in expect it to grow (on average) in the future? As a FERS employee the TSP isn't my only basket of eggs , anyway (social security, FERS annuity). I believe I'll just tough it out and leave 85-90% of my investments in the C, S and I funds. Maybe I'll have to work an extra year than I'm hoping, if the markets tank, but more likely I'll be ahead.
Bond Fund
EPA
Tue Dec 9, 2008 12:13 PM
Post Reply
In this article, the reference to the TSP Bond Fund gives a false impression that the F fund is stable and similar to the G fund. Bond funds in general and including the TSP F Fund have sizable inherent risk because the share price increase or decrease is tied to the movement of interest rates, whether they are rising or falling. The TSP bond fund can be really risky indeed. Want to loose money, put your money in the F fund and then leave it alone. When you return to take a look, you may see that you've lost a substantial portion of your net worth.