I look at my TSP as not required for retirement, my pension (topped out GS-15), plus SS, plus VA pension + no debt is plenty...not to mention the wifes stuff
I look at my TSP as not required for retirement, my pension (topped out GS-15), plus SS, plus VA pension + no debt is plenty...not to mention the wifes stuff
I can’t recommend ANY portfolio balance for you- only YOU can decide what you are comfortable with. Big or small, foreign or domestic, stocks or bonds is a decision only you can make.
If you are not comfortable deciding where you want to be, there is nothing wrong with using an age appropriate “L” fund either. Lots of folks have found those to be helpful in their quest to build a long term nest egg.
Good luck!
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.81 %. For me not a good year yet, I have been following free market analysis and his predictions only are correct 50% of the time!
Closing in on 50K and 33yo. Definitely one of those this month, hopefully both!
$375K and 53
July 2020 Update:
50 yrs old. $330K
Moved balance to G Fund to avoid corona correction. Then near bottom 90% S fund, 10% C fund.
Based on my previous entries I'm right on target:
Age: 56
Balance: $607K (as of 2019/12/29)
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
- Expected Balance: $1.452 million
- Expected Annual Withdraw (20 years): $84K
- Expected Annual Withdraw (30 years): $68K
Happy Hunting...
Lookin' up at the 'G Fund'!!!
I’m 57 with 31 years of service. I have $1,211,000 in the TSP. I have contributed 15% and with the 5% match for about 20 years. I put in half of my raises or step increases until I got to 15%. Plan on retiring next spring or about 8 months or so.
61 yo with 30 years service & GS-13. $910k & retiring late 2021 when it (hopefully) hits $1 million. 52% C, 11% S, 20% F, 17% G. Stood my ground and rode out the March Coronavirus market meltdown, made zero changes but kept up biweekly contributions. Balance is now $30k higher than before the meltdown. Didn’t max out contributions until 3 years ago but always got the 5% match even in early years. Will contribute the max until the bitter end. Biweekly contribution has always been 100% C and still is.
Age 59 years old, retired on small, very small pension with only 16 years federal service, spent most of my working life with contractors and private industry. So my TSP balance is $400 on top of my IRA.
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
S&P500 (C Fund) (delayed) (Stockcharts.com Real-time) |
DWCPF (S Fund) (delayed) (Stockcharts.com Real-time) |
EFA (I Fund) (delayed) (Stockcharts.com Real-time) |
BND (F Fund) (delayed) (Stockcharts.com Real-time) |
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Yahoo Finance Realtime TSP Fund Tracking Index Quotes |
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