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G/F/C/S/I; 70/10/8/4/8 which is about 40% of my investments. I went from 40/60 over our investments at the beginning of 2007 to 75/25 in several increments ending in January. At the end I was locking in a small amount of loss but deemed it wise to take that last move. The 75% is 60% cash-like and 15% bond (largest is inflation-linked).
I will qualify for retirement at the end of this year but, as FERS people know, retiring at 60 or at least this year at 60 is probably not a wise decision. But there is some satisfaction in knowing that I could retire and be better off than most people.
I don't manage the TSP like most people because the Fidelity options may have higher costs but are far more versatile. So I make more use of G than most people to keep those options open elsewhere. I actually have more money in CREF stock than in the C fund.
Biggest mistake I made was moving more money to international funds at the wrong time to try to hedge against the falling dollar. Overall I am down 2% for the year with about .5% of that being my oil stocks, not my retirement accounts.
When I saw what was coming I talked to my husband for the first time about what I was thinking about doing with our asset allocation. It was a big decision and I saw air (lack of asset backed value) everywhere. What I didn't understand was that the air would be let out by devaluing the dollar rather than letting the markets collapse. My mistake; I can live with it. I will gradually buy back in when I think it is a better time.
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