Like crickets in here...hellooo..hellooooo
So.....is this going to be a slow bleed back to where we should have been in Jan? Giving all this money back...I wonder?
Like crickets in here...hellooo..hellooooo
Yep, sure is quiet. Not a lot of talk with markets down ~2% in a day but on the bright side, TSP stock funds aren't down as much, at least not yet. ~
Just look at the bears and bulls battling it out in the dow!! up down up down...
Well, they took back my christmas money...Indian givers.
TSP hasn't updated yet for Friday... Due to Easter? Or am I missing something.
Weatherweenie's Account Talk
Teddy Roosevelt: Patriotism means to stand by the country. It does not mean to stand by the president or any other public official. Retired on November 30, 2023 with 30+ years of service.
Has anyone given up on the G Fund in favor of the less conservative F fund? G Fund Just is worthless anymore.. I'm at 73% G and the rest C with some S and F. Kills me to watch most of my money languishing. F seems reasonably safe and it really helped me during the covid crash.. I'm back about ten k positive since the highs pre covid.. I'm retired and will need to start taking some money next year
I think most people on this site look at the G fund as a safe place to put cash while waiting to move it into the market. The F fund long term has obviously had better returns than G but there is still risk of losing money. Your allocation about matches the L income (other than the lack of I fund). For comparison, the next most conservative life cycle fund (L2025) is set up
G Fund 43.84%F Fund 6.16%
C Fund 25.62%
S Fund 6.88%
I Fund 17.50%
I used the F fund during COVID (i.e. March) as well but don't think I am going to be back in F for a little until it starts looking up, but I am not as close to using the money as you (probably 3 to 5 more years for me). Good Luck!
Getting close to retirement now, and am watching a lot of advice videos suggesting some split between stocks and bonds where the ratios vary with age. I'm not sure the TSP really has good "bond" options. I find the F fund really frustrating, in that what looks like a good day for bonds at 4 PM can change after 4 PM to a lesser increase (or even a loss). And G fund isn't even close to beating inflation. It would be better to have more bond options in TSP so your really could do a 60/40 or 50/50 split with stocks, but I guess to effectively get that you have to leave the TSP (which I'm loathe to do)....I'm considering keeping the stock portion of my portfolio in the C/S funds, and then move the bond portion out to Vanguard.
I had a friend retire who told me he kept his TSP open just to have access to the G fund. He has fond memories of big returns in G - I don't think we'll see that again in the near future anyway....
Back in the late 80's the "G" fund yearly average was 8% plus. Then in the early 90's the yearly percentage steadily dropped until the "G" fund barely make 2% a year.
May the force be with us.
S&P500 (C Fund) (delayed) (Stockcharts.com Real-time) |
DWCPF (S Fund) (delayed) (Stockcharts.com Real-time) |
EFA (I Fund) (delayed) (Stockcharts.com Real-time) |
BND (F Fund) (delayed) (Stockcharts.com Real-time) |
||
Yahoo Finance Realtime TSP Fund Tracking Index Quotes |
Bookmarks