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Thread: Where to move your TSP funds in retirement.

  1. #1

    Default Where to move your TSP funds in retirement.

    When I retire I was planning on leaving my money in TSP. Now, like Finland on the NATO question, I have done a complete 180. My only question is where to put it. I'm looking for recommendations.

    I don't want anything fancy. I just want low cost index funds like the TSP has, only without the train wreck. Give me something like the S&P500 index, US small caps and the G Fund. I'm thinking that last one will be the hardest to match. Fortunately I still have a few years left to decide.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%


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  3. #2

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    Default Re: Where to move your TSP funds in retirement.

    There is nothing like the G fund outside of TSP. You would have to keep some in TSP for the G fund and use another brokerage for everything else, but then you'd still have to deal with TSP to withdraw from the G.

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  5. #3

    Default Re: Where to move your TSP funds in retirement.

    That's what I was afraid of.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2025
    Past Returns:
    2020 31.85%,2019 27.97%,2018 -3.36%,2017 13.10%, 2016 -1.79%, 5Yr Avg 12.61%

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  7. #4

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    Default Re: Where to move your TSP funds in retirement.

    One positive with a separate brokerage is the ability to draw funds from the fund of your choice. TSP doesn't give that option and instead draws from all holdings equally.

    Sequence of return risk is a big one. If you're drawing down from your equities while the market is tanking, you're burning the candle at both ends. Though not as big a problem because you can always rebalance gains into cash, you'd be best served drawing from equities and not cash in a year where there is a big run up.

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  9. #5

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    Default Re: Where to move your TSP funds in retirement.

    Quote Originally Posted by Cactus View Post
    Fortunately I still have a few years left to decide.
    Open a Roth IRA tomorrow and fund with a few bucks if you haven't already to get the five year clock ticking. Having a Roth IRA will give you a conversion option when you retire.

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