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Thread: Share Your TSP Balance and Your Age Thread

  1. #313

    Join Date
    Apr 2005
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    14,663
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    Default Re: Share Your TSP Balance and Your Age Thread

    Quote Originally Posted by chaingunmike View Post
    Thanks, and youíre right, I donít want to wait too long before retiring! I just turned 62 last month and I always have retirement on my mind. Iím not going to wait too much longer, Iíll probably retire in May or June next year. Iíve been talking to the HR people at my work and one of them said I am now ďthe most dangerous person in my Division.Ē I asked him what he meant by that, and he said that I could retire at anytime with full benefits and without much notice. I got a kick out of that. Iíve been called many things during my career, but ďdangerousĒ is a new one for me. Share Your TSP Balance and Your Age Thread If they only knew what my TSP balance is, they would be even more worried than they are now!
    Just do it.

    Walk in one day, and hand your supervisor a letter that says you are giving two weeks notice of retiring.

    Youíll never look back. I think Itís much better than I thought before I retired.


    Sent from my iPhone using TSP Talk Forums

  2.  
  3. Default Re: Share Your TSP Balance and Your Age Thread

    I retired in April @58 I currently have about 1.75 million. Itís gone up almost $250k since I retired. This site is a valuable asset.

  4.  
  5. #315

    Default Re: Share Your TSP Balance and Your Age Thread

    Awesome!

    Tom
    Market Commentary | My Blog | TSP Talk Plus | |

    I am not a Registered Investment Advisor and this is not investment advice. Please do your own due diligence.


  6.  
  7. #316

    Join Date
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    Default Re: Share Your TSP Balance and Your Age Thread

    Quote Originally Posted by bmneveu View Post
    Closing in on 50K and 33yo. Definitely one of those this month, hopefully both!
    Posted this on 4/12/2020. 1.5 years later I'm at $73K. Really starting to see the snowball effect lately.

  8.  
  9. #317

    Join Date
    Mar 2006
    Location
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    Default Re: Share Your TSP Balance and Your Age Thread

    Based on my previous entries I'm well in front of my target:

    Age: 58
    Balance: $828K (as of 2021/12/31)
    Investing: Alternate between three allocations (Conservative, Normal, Aggressive)
    Expected Balance at age 65 (using Quicken and DinkyTown.Net):
    Retirement Age: 65
    Expected Return: 8.00% - This is under my IRR since 2004.
    Expected Inflation: 3.0% - I still expect very muted inflation.
    Expected Contributions: 20% of Gross Salary, 15% from me, 5% match

    Results (inflation adjusted):
    • Expected Balance: $1.592 million
    • Expected Annual Withdraw (20 years): $97K
    • Expected Annual Withdraw (30 years): $78K
    • Expected Annual Withdraw (38 years): $71K


    I am dialing back my risk. Using the guidance from Edelman for a 7% return I will get:
    • Expected Balance: $1.497 million
    • Expected Annual Withdraw (20 years): $85K
    • Expected Annual Withdraw (30 years): $66K
    • Expected Annual Withdraw (38 years): $59K


    I will be able to bucketize my assets in/near retirement so I will be able to keep a decent chunk at risk. Earning 6% or 7% overall should not be a problem.
    Lookin' up at the 'G Fund'!!!

  10.  
  11. #318

    Join Date
    Mar 2006
    Location
    Raleigh, NC
    Posts
    3,410

    Unhappy Re: Share Your TSP Balance and Your Age Thread

    Wow, this thread is/was kinda cool. I bet you thought I was slagging since my return sucked for 2022, but it was just an oversight. These are my numbers and projections as of 2022/12/31:

    Age: 59
    Balance: $742K (as of 2022/12/31)
    Investing: Alternate between three allocations (Conservative, Normal, Aggressive)
    Expected Balance at age 65:
    Retirement Age: 65
    Expected Return: 8.00% - This is still under my IRR since 2004.
    Expected Inflation: 3.0% - Once the FED gets control and forces the Gubmint to control their spending inflation will come down.
    Expected Contributions: 20% of Gross Salary, 15% from me, 5% match

    Results (inflation adjusted):
    • Expected Balance: $1.324 million
    • Expected Annual Withdraw (20 years): $84K
    • Expected Annual Withdraw (30 years): $67K
    • Expected Annual Withdraw (38 years): $61K


    I am dialing back my risk. Using the guidance from Edelman for a 7% return I will get:
    • Expected Balance: $1.257 million
    • Expected Annual Withdraw (20 years): $74K
    • Expected Annual Withdraw (30 years): $58K
    • Expected Annual Withdraw (38 years): $51K



    Last year (2022) was not good for me. It really was the F-Fund that caught me out - with a slow as molasses decline over the year that really added up. I actually had a bigger decline last year than I did in 2001, 2003 and 2008. I think 2022 was the worst year I have personally experienced.

    Anyway, this thread is a nice place to stick things for future reference. Gotta show my butt as well as my good looks whenever it happens
    Lookin' up at the 'G Fund'!!!

  12.  
  13. Default Re: Share Your TSP Balance and Your Age Thread

    Boghie I had a similar year. I was at about 1.933M in July of 21 per my last post and hit a high of 2.089M towards the end of the year.

    2022 was my worst year ever. After a partial recovery in Jan/Fed of 2023 I sit at 1.765M now. Down about 15 percent from my high point. I continue to be a buy and hold investor.


    Quote Originally Posted by Boghie View Post
    Wow, this thread is/was kinda cool. I bet you thought I was slagging since my return sucked for 2022, but it was just an oversight. These are my numbers and projections as of 2022/12/31:

    Age: 59
    Balance: $742K (as of 2022/12/31)
    Investing: Alternate between three allocations (Conservative, Normal, Aggressive)
    Expected Balance at age 65:
    Retirement Age: 65
    Expected Return: 8.00% - This is still under my IRR since 2004.
    Expected Inflation: 3.0% - Once the FED gets control and forces the Gubmint to control their spending inflation will come down.
    Expected Contributions: 20% of Gross Salary, 15% from me, 5% match

    Results (inflation adjusted):
    • Expected Balance: $1.324 million
    • Expected Annual Withdraw (20 years): $84K
    • Expected Annual Withdraw (30 years): $67K
    • Expected Annual Withdraw (38 years): $61K


    I am dialing back my risk. Using the guidance from Edelman for a 7% return I will get:
    • Expected Balance: $1.257 million
    • Expected Annual Withdraw (20 years): $74K
    • Expected Annual Withdraw (30 years): $58K
    • Expected Annual Withdraw (38 years): $51K



    Last year (2022) was not good for me. It really was the F-Fund that caught me out - with a slow as molasses decline over the year that really added up. I actually had a bigger decline last year than I did in 2001, 2003 and 2008. I think 2022 was the worst year I have personally experienced.

    Anyway, this thread is a nice place to stick things for future reference. Gotta show my butt as well as my good looks whenever it happens

  14.  
  15. Default Re: Share Your TSP Balance and Your Age Thread

    Quote Originally Posted by petemalo View Post
    Age 47, 25 years in service as GS14, 28 years in army reservists as an E8, 350,000 in tsp, all in CSI. Plan to retire at the age of 57
    Update: Age 50 with $586,000 in TSP, on target to retire at 57

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