HELP NEED ADVICE

[TheMailman]

This is what I have in 3 years of Tsp thru the post Office, I need your math to help me figure out

how much will I have in 37 years leaving everything in S funds plus your opinion and examples

if I move funds in other funds besides SFUnds Thanks The MailMan


G FUND
GOVERNMENT SECURITIES
525.1030
$10.71
$5,623.85
49.11%

F FUND
FIXED INCOME INDEX
0.0000
10.48
0.00
0.00%

C FUND
COMMON STOCK INDEX
0.0000
12.45
0.00
0.00%

S FUND
SMALL CAP STOCK INDEX
415.0096
14.04
5,826.74
50.89%

I FUND
INTERNATIONAL STOCK INDEX
0.0000
14.96
0.00
0.00%

[Show-me]

http://www.tsp.gov/calc/PAB_intro.html

http://atpayplan.natca.net/tsp.htm

The toplink will help you to project your account balance. I can not and will not give you advice as to where to allocate "your" monies. That is something your will have to do for yourself. You can read what others are doing at this site as some of us post our allocations daily. The decision is yours.

My advice is to not "play" the market until you have a better understanding of what is going on. Again read posts on this site. Also, with the exception of the G Fund, leaving your money in one Fund is like having all your eggs in one basket. Spread your risk out. Example put a % into Bonds (Gand/or F) and a % in Equities/Stocks (C, S, and/or I).

As to what you will have in 37 years is anyone's guess. It all depends on how much you contribute and what the market gain/loss is from year to year. My advice there is to contribute as much as you can, the earlier the better.The least is 5% because you get matching fund from you agency. I assume USPS.

[rokid]

Mailman,

In Sunday's Washington Post business section they discussed the 8/8/40 rule. In other words, contribute 8% of your salary, get an average 8% annual return and in 40yearsyou'll have an account worth 10X your final salary and the basis for acomfortable retirement.:^

[Dakota]

Show-me wrote:
http://www.tsp.gov/calc/PAB_intro.html

http://atpayplan.natca.net/tsp.htm

The toplink will help you to project your account balance. I can not and will not give you advice as to where to allocate "your" monies. That is something your will have to do for yourself. You can read what others are doing at this site as some of us post our allocations daily. The decision is yours.

My advice is to not "play" the market until you have a better understanding of what is going on. Again read posts on this site. Also, with the exception of the G Fund, leaving your money in one Fund is like having all your eggs in one basket. Spread your risk out. Example put a % into Bonds (Gand/or F) and a % in Equities/Stocks (C, S, and/or I).

As to what you will have in 37 years is anyone's guess. It all depends on how much you contribute and what the market gain/loss is from year to year. My advice there is to contribute as much as you can, the earlier the better.The least is 5% because you get matching fund from you agency. I assume USPS.




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[Snip]

Too bad the TSP does not have a "B" fund for beer so that us happy hashers can retire in the land of milk and honey.

Best regards, Snip-N-Tuck