View Poll Results: Which L Fund Are You?

Voters
62. You may not vote on this poll
  • L Income-retired

    9 14.52%
  • L 2010- retire between now and 2014

    6 9.68%
  • L 2020- retire between 2015 and 2024

    8 12.90%
  • L 2030- retire between 2025 and 2034

    16 25.81%
  • L 2040- retire after 2035

    21 33.87%
  • No longer with the government but not retired

    2 3.23%
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Results 13 to 24 of 25

Thread: Which L Fund Represents Your Situation?

  1. #13

    Join Date
    Aug 2007
    Posts
    12,621
    Blog Entries
    143

    Default Re: Which L Fund Represents Your Situation?

    I quit the government last January. You can leave your money in TSP as long you want when you leave, or until mandatory withdrawals kick in...............

  2.  
  3. #14

    Join Date
    Sep 2010
    Location
    Honolulu, HI
    Posts
    8

    Default Re: Which L Fund Represents Your Situation?

    Turning 28 in February, so I'm a 2040 kind-of-guy. In fact, I have about 50% of my contribution allocation in the L2040; however, the percentage drops as I learn more and more about the stock market and TSP specific options. I started with 100% in L2040 two years ago, and plan on it being 0% within the next year or two.

  4.  
  5. Default Re: Which L Fund Represents Your Situation?

    I plan to retire around 2026, so I am in L2030.

  6.  
  7. #16

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
    Posts
    76,391

    Default Re: Which L Fund Represents Your Situation?

    None!



  8.  
  9. Default Re: Which L Fund Represents Your Situation?

    Well I selected the after 2035 option even though my actual retirement year will likely be 2046 which is why I am in the 2050 fund...which wasn't an option!

  10.  
  11. #18

    Default Re: Which L Fund Represents Your Situation?

    I've been in the 2030 L-Fund since its inception.

    18.37% rate of return during last 12 months.


  12.  
  13. #19

    Join Date
    Sep 2006
    Location
    Upstate NY
    Posts
    3,874
    Blog Entries
    46

    Default Re: Which L Fund Represents Your Situation?

    2030 is almost 17 years away. What you want is for lower prices today and higher prices in 15 years from now.

    For many on this MB, it matters what their 12 month return is because they are retiring in less than 3 years. Those of us with longer time frames need to hope for lower prices for the next 10 years or so.

    When picking an L fund, returns shouldn't make a difference. Fees and asset allocation should. I can tell you right now TSP has the lowest fees in the business.

  14.  
  15. #20

    Default Re: Which L Fund Represents Your Situation?

    Quote Originally Posted by Intrepid_Timer View Post
    I'm posting this poll to get an idea of which Lifecycle Fund represents the majority of the TSPtalk community.
    L2040? If I didn't want to bother with it.
    2 IFT's! That's it, Be cautious & WISE!

  16.  
  17. #21

    Join Date
    Aug 2007
    Posts
    12,621
    Blog Entries
    143

    Default Re: Which L Fund Represents Your Situation?

    Quote Originally Posted by Globalpack View Post
    I've been in the 2030 L-Fund since its inception.

    18.37% rate of return during last 12 months.
    14.82% since it's inception in August of 2005? Well, at least you've doubled the G fund.................

  18.  
  19. #22

    Default Re: Which L Fund Represents Your Situation?

    Earning 5-6-7-8+% every year over 17 years earns more overall than bargain lower share prices followed by higher price shares 15 years from now.

  20.  
  21. #23

    Join Date
    Aug 2007
    Posts
    12,621
    Blog Entries
    143

    Default Re: Which L Fund Represents Your Situation?

    Quote Originally Posted by Globalpack View Post
    Earning 5-6-7-8+% every year over 17 years earns more overall than bargain lower share prices followed by higher price shares 15 years from now.
    I don't understand your reasoning, but if works for you, cool. BTW, your 12-month return has been cut in half, as of last Friday, and the return of the L2030 since it's inception on 08/01/05 is down to 3.81%, which is worse than parking in the G fund. Just because one's balance is higher than it was seven years ago, doesn't mean they are making any money and I don't know anyone who really wants to make 0.50%, on average, every year. Good luck though! I'm sure any year now the S&P 500 will go back to averaging a 10% return every year. Keep the faith......

  22.  
  23. #24

    Default Re: Which L Fund Represents Your Situation?

    Quote Originally Posted by Intrepid_Timer View Post
    I don't understand your reasoning, but if works for you, cool. BTW, your 12-month return has been cut in half, as of last Friday, and the return of the L2030 since it's inception on 08/01/05 is down to 3.81%, which is worse than parking in the G fund. Just because one's balance is higher than it was seven years ago, doesn't mean they are making any money and I don't know anyone who really wants to make 0.50%, on average, every year. Good luck though! I'm sure any year now the S&P 500 will go back to averaging a 10% return every year. Keep the faith......
    I was replying to Bullitt's comment where he said ""2030 is almost 17 years away. What you want is for lower prices today and higher prices in 15 years from now."" If share prices fall yes keep buying but my argument is it's PREFERRED for share prices to steadily increase to benefit from compound interest. For example if you start with $100 and, over the course of a year, you earn a 5% rate of return, at the end of the first year, you'll have $105. If you leave that money alone, and the next year you also earn a 5% rate of return, you'll have $110.25 at the end of year two. So, in the second year, you earned 5% on your original $100 contribution and another 5% on the $5 you earned during the first year. At this rate your original investment is doubled in less than 15 years.

  24.  
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