First off - you communicate very well and have made an excellent choice of CAPITAL PRESERVATION over the past year by staying in G Fund.
20% is Excellent and keep that going as long as you can.
At 56 - $185K is not going to last very long - so take out the minimum over small increments and wait as long as you can. (Sorry I just re-read and noted 30 years of equal payments). YOU ARE VERY SMART - trust me - you could be teaching us.
The G Fund will nothing to brag about for awhile - BUT YOU HAVE NOT LOST A PENNY SINCE 3/08 AND HAVE ONLY GAINED MORE AND MORE.
The main thing you're dealing with is the question "As of late..."
TRUST ME - what the USA and the whole global economy has been going through is a MAJOR EVENT. This is no typical side show BS Tech bubble pop or something that would blow over fairly fast. It was mainly a 'Political Play' in 2008 designed to keep the Recession from happening and a TRUE ECONOMIC COLLAPSE.
You have been in safety during the WORST TIMES - but this is far from over so DO NOT LET THE 'FALSE HOPE OF A REAL SUSTAINED RALLY' fool you my friend.
Your best bet is to wait this out where you are and see how far the Markets drop by 6/09. Changing to high risk will likely result in a 20% Loss if you keep it there hoping for the best - so then when it goes up 20% - you're back to where you started.
Sorry the read is so long...but obviously you made a good impression and I like to visit.
Steady
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