Dogcliff
Recycles dryer sheets
- Joined
- Feb 26, 2004
- Messages
- 52
Being a current Federal employee, I have taken good advantage of the Gov 401K component of the current retirement system (the Thrift Savings Plan (TSP)). The investment choices are as follows:
Government Securities Investment (G) Fund : The G Fund is invested in short-term nonmarketable U.S. Treasury securities.
Fixed Income Index Investment ( F ) Fund :The F Fund is invested in a Lehman Brothers U.S. Aggregate (LBA) bond index fund.
Common Stock Index Investment (C) Fund : The C Fund is invested in a (S&P 500) stock index fund.
Small Capitalization Stock Index Investment ( S ) Fund : The S Fund is invested in a Wilshire 4500 stock index fund. The Wilshire 4500 index consists of the stocks of the companies which are actively traded in the U.S. stock markets, excluding the companies in the S&P 500 index.
International Stock Index Investment ( I ) Fund : The I Fund is invested in a Morgan Stanley Capital International EAFE (Europe, Australasia, Far East) stock index fund.
I plan to retire @54, (T-5), and have several concerns. ~ 2/3s of my retirement savings will be in the TSP at retirement. I have several withdrawl options: rollover into a traditional IRA, purchase an annuity, SPP's, partial withdrawl, or a combination of the above.
How would y'all rate the advantages/disadvantages of a rollover to a self-directed traditional IRA, vs leaving the money in TSP.
My take~
TSP: Transfer between funds after I retire.
Annual change to the ammount of SPP.
Expense ratio is a very favorable .05-.07%.
IRA: More investment choices (not necessarily a + for my investment style)
your 2 cents here
dc
Government Securities Investment (G) Fund : The G Fund is invested in short-term nonmarketable U.S. Treasury securities.
Fixed Income Index Investment ( F ) Fund :The F Fund is invested in a Lehman Brothers U.S. Aggregate (LBA) bond index fund.
Common Stock Index Investment (C) Fund : The C Fund is invested in a (S&P 500) stock index fund.
Small Capitalization Stock Index Investment ( S ) Fund : The S Fund is invested in a Wilshire 4500 stock index fund. The Wilshire 4500 index consists of the stocks of the companies which are actively traded in the U.S. stock markets, excluding the companies in the S&P 500 index.
International Stock Index Investment ( I ) Fund : The I Fund is invested in a Morgan Stanley Capital International EAFE (Europe, Australasia, Far East) stock index fund.
I plan to retire @54, (T-5), and have several concerns. ~ 2/3s of my retirement savings will be in the TSP at retirement. I have several withdrawl options: rollover into a traditional IRA, purchase an annuity, SPP's, partial withdrawl, or a combination of the above.
How would y'all rate the advantages/disadvantages of a rollover to a self-directed traditional IRA, vs leaving the money in TSP.
My take~
TSP: Transfer between funds after I retire.
Annual change to the ammount of SPP.
Expense ratio is a very favorable .05-.07%.
IRA: More investment choices (not necessarily a + for my investment style)
your 2 cents here
dc