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Thread: Is timing everything?

  1. Default Is timing everything?

    I've been invested in tsp for a little over 5 years now only putting in the minimal match of 5%. I've kept 50/50 split between he C fund and S fund in existing and new contributions. So far it seems to have worked out good on returns for me. I have 29 years left until my minimal retirement age of 57 1/2 which I will likely stay until 59 in order to have access to my tsp funds. My outlook is to leave it in higher risk for the first 20 or so years. My outlook is the market has always recovered as long as you have enough time to recoup any losses instead of pulling it out in fear. Does anyone else have this same outlook on letting it sit and timing when to play it safe closer to retirement?

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  3. #2

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    Default Re: Is timing everything?

    Quote Originally Posted by tcreel1888 View Post
    I've been invested in tsp for a little over 5 years now only putting in the minimal match of 5%. I've kept 50/50 split between he C fund and S fund in existing and new contributions. So far it seems to have worked out good on returns for me. I have 29 years left until my minimal retirement age of 57 1/2 which I will likely stay until 59 in order to have access to my tsp funds. My outlook is to leave it in higher risk for the first 20 or so years. My outlook is the market has always recovered as long as you have enough time to recoup any losses instead of pulling it out in fear. Does anyone else have this same outlook on letting it sit and timing when to play it safe closer to retirement?

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    Welcome aboard. The only thing I would recommend would be to try and max out your contributions if you can afford it. Good luck.
    May the force be with us.

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  5. Default Re: Is timing everything?

    What's your thoughts?

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  7. #4

    Default Re: Is timing everything?

    let me second nasa's advice - put as much as you possibly can into the TSP as soon as you possibly can. I started the gov't age 29 and for 28 years I went 80% C and 20% F. I only recently started watching it more closely with this website (and a few others).

    And don't touch the money. No loans, just keep contributing. You have plenty of time but you should start now. Time is your friend when it comes to compounding your returns - the earlier you start, and the more you can put in early, the better off you'll be.

    Good luck in your investing!

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