Rather Similar
Burrocratus (yuk, yuk - I kinda Romanized it),
We have similar philosophies. Sortof a buy and hold, but with a few different allocations based on mid-term market/economic trends.
Mine are:
All In: 90% - 100% in C/S/I. Used when the market is bubbling up. Like now. Don't have to have any reason, but if there is no reason watch the market carefully. Bail out when half the gains are blown or some other marker.
Standard: 80% in C/S/I. Like you I am young enough to survive a standard 10% - 20% correction in C/S/I. Nice to have some resources in the asset class folks will probably bail to (F) if that happens.
Conservative: 60% in C/S/I, 40% in F. That kind of allocation should provide some gains and really buffer the dumps. If 2008/09 was merely a correction this is where I would have rested. But, the F Fund was collapsing as well - thus, more than a correction. We were in, or are in, a collapse.
Hiding: Anything in G is hoarding cash. Can be used to hoard assets for an expected short term dump opportunity. Can be used to run and hide from a market where all funds are falling - very, very rare but happened last year.
Also, if you have a conservative allocation and/or a hiding allocation don't be afraid to use them. Assets that are saved in a crappy market are the same as growth. Not as flashy, but very useful when used to get back into C/S/I when the prices stabilize. I absolutely loved buying back into the market at prices 30% less than the original price offered by TSP. Yummy.
Lookin' up at the 'G Fund'!!!
Bookmarks