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Thread: TSP Distribution

  1. Default TSP Distribution

    Hello I am recently browsing the TSP Talk forum again after some absence. My husband and I are both retired 63 and 67. I do not plan on making any withdrawals for at least another 5 years. We are looking at redistributing our TSP allocations. After much research I have come up with the following distribution recommended on several sites.

    G Fund 50%
    C fund 40%
    S fund 10 %

    A ratio of 4:1 was recommended for the C:S fund

    I have also read some posts on using seasonal adjustments. So moving all to G fund during Summer/Fall and then moving it back to C/S during Nov-April.
    Any comments/suggestions. Also where is the best place to look on this website for information on TSP distribution recommendations/changes? Thanks Regina


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  3. #2

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    Default Re: TSP Distribution

    If your holding period is going to be five years, then that's a good allocation for your age.

    Do some reading on market timing using seasonality before you decide on such a thing. Stock Traders Almanac is published yearly and is the gold standard for such endeavors.

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  5. Default Re: TSP Distribution

    Thank you for your feedback. I am also looking at subscribing to the Premium Services. Now that I am retired I have time on my hand to focus on the TSP. I have looked at the samples but I am not sure I understand what information is provided in each newsletter and how they differ? Could someone give a brief explanation? My husband already subscribes to Zacks and Stockcharts. for managing our other non TSP accounts. Thanks, Regina

    Revsharks TSP Timing Newsletter
    Intrepid Timer Strategies
    TSP Talk Plus

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  7. #4

    Default Re: TSP Distribution

    Hi jurate1,

    I'll send you a private message with some info. No sales pitches... promise.

    https://www.tsptalk.com/mb/private.php

    Tom

    Quote Originally Posted by jurate1 View Post
    Thank you for your feedback. I am also looking at subscribing to the Premium Services. Now that I am retired I have time on my hand to focus on the TSP. I have looked at the samples but I am not sure I understand what information is provided in each newsletter and how they differ? Could someone give a brief explanation? My husband already subscribes to Zacks and Stockcharts. for managing our other non TSP accounts. Thanks, Regina

    Revsharks TSP Timing Newsletter
    Intrepid Timer Strategies
    TSP Talk Plus
    Tom
    Market Commentary | My Blog | TSP Talk Plus | |

    I am not a Registered Investment Advisor. Do your own due diligence.

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  9. #5

    Join Date
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    Default Re: TSP Distribution

    Quote Originally Posted by jurate1 View Post
    Hello I am recently browsing the TSP Talk forum again after some absence. My husband and I are both retired 63 and 67. I do not plan on making any withdrawals for at least another 5 years. We are looking at redistributing our TSP allocations. After much research I have come up with the following distribution recommended on several sites.

    G Fund 50%
    C fund 40%
    S fund 10 %

    A ratio of 4:1 was recommended for the C:S fund

    I have also read some posts on using seasonal adjustments. So moving all to G fund during Summer/Fall and then moving it back to C/S during Nov-April.
    Any comments/suggestions. Also where is the best place to look on this website for information on TSP distribution recommendations/changes? Thanks Regina
    I have attached an excel spreadsheet that shows how the GFCSI funds have finished over the years. You can use this as a comparison for making your adjustment in your TSP. Good luck in retirement. My previous post had an older version of Excel. The attachment below is a newer version and should open.


    Attached Files Attached Files
    May the force be with us.

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