Transferring from stock/bond mutual funds (in the TSP) to stock/bond mutual funds (in your IRA) is not buying high. That's just a simple transfer from orangers to oranges. You can only "buy high" when you buy with cash or cash in effect (like G fund). You should at all times have your chosen stock/bond ratio in effect, and it really shouldnt change that drastically at the point you retire. % in stock should be more a factor of your age, than your job status.
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