Honorary Hall of Fame Member
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What are your ideas on the following:
After we retire we can transfer our TSP account to an IRA. Say we have made our goals and have had the TSP $ in the G fund for the last 6 mo, year, whatever.
How do we maximize the transfer to a company with mutual funds, that is to ensure that we are not buying high, just to see our new account (s) hit the down slopes?
Do we have some extra funds set aside, to live on, and transfer later when the timing is better?
How much extra funds do we need?
Do we transfer to a money market account and dollar cost average the buy in to mutuals?
What is the best way we can effect the transfer?
TSP Talker
imported post
Transferring from stock/bond mutual funds (in the TSP) to stock/bond mutual funds (in your IRA) is not buying high. That's just a simple transfer from orangers to oranges. You can only "buy high" when you buy with cash or cash in effect (like G fund). You should at all times have your chosen stock/bond ratio in effect, and it really shouldnt change that drastically at the point you retire. % in stock should be more a factor of your age, than your job status.
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