Texarkandy
Thinks s/he gets paid by the post
- Joined
- Feb 12, 2008
- Messages
- 1,281
Planning to ER Dec 09 at 49 y/o - have a sizeable amount (multiple 6 figures) in my TSP (federal employee version of a 401k) I don't plan on tapping till 60 y/o. This is my biggest bucket of money.
I went 100% G-fund (Treasuries) in spring 07 & so missed the big market fall -but I realize I'll be lucky to even pace inflation in the long term.
I'm thinking it's now time to get back in. I've got 10 years till I plan on tapping the money but have also though of doing 72t distributions starting in 5 years to pay for DD college.
Here's my investment options:
G-Fund: Treasuries
http://www.tsp.gov/rates/fundsheet-gfund.pdf
F-Fund: Bonds (Barclays US Debt Index Fund)
http://www.tsp.gov/rates/fundsheet-ffund.pdf
C-Fund: S&P 500 (Barclays Equity Index Fund)
http://www.tsp.gov/rates/fundsheet-cfund.pdf
S-Fund: Small-Caps (Barclays Extended Market Index Fund)
http://www.tsp.gov/rates/fundsheet-sfund.pdf
I-Fund: Foreign Equities (Barclays EAFE Index Fund)
http://www.tsp.gov/rates/fundsheet-ifund.pdf
There are also various Life (L) funds that automatically change your allocation depending on your target retirement date.
http://www.tsp.gov/rates/fundsheet-lfunds.pdf
I've become fairly risk averse as I approach ER date & have never been very active moving money around in the TSP. I was previously:
20% G-fund;
10% I-fund;
70% C-fund
TSP now only allows us to move money twice a month. I'm considering at DCA'ing back into more equities to the tune of 5% every two weeks till I get to:
30% C-fund (S&P 500);
15% S-Fund (Small caps)
15% I-Fund (International equities)
50% G-Fund (Treasuries)
Is this too aggressive considering my risk aversivness?
Any suggestions/comments on AA or DCA method would be appreciated.
I went 100% G-fund (Treasuries) in spring 07 & so missed the big market fall -but I realize I'll be lucky to even pace inflation in the long term.
I'm thinking it's now time to get back in. I've got 10 years till I plan on tapping the money but have also though of doing 72t distributions starting in 5 years to pay for DD college.
Here's my investment options:
G-Fund: Treasuries
http://www.tsp.gov/rates/fundsheet-gfund.pdf
F-Fund: Bonds (Barclays US Debt Index Fund)
http://www.tsp.gov/rates/fundsheet-ffund.pdf
C-Fund: S&P 500 (Barclays Equity Index Fund)
http://www.tsp.gov/rates/fundsheet-cfund.pdf
S-Fund: Small-Caps (Barclays Extended Market Index Fund)
http://www.tsp.gov/rates/fundsheet-sfund.pdf
I-Fund: Foreign Equities (Barclays EAFE Index Fund)
http://www.tsp.gov/rates/fundsheet-ifund.pdf
There are also various Life (L) funds that automatically change your allocation depending on your target retirement date.
http://www.tsp.gov/rates/fundsheet-lfunds.pdf
I've become fairly risk averse as I approach ER date & have never been very active moving money around in the TSP. I was previously:
20% G-fund;
10% I-fund;
70% C-fund
TSP now only allows us to move money twice a month. I'm considering at DCA'ing back into more equities to the tune of 5% every two weeks till I get to:
30% C-fund (S&P 500);
15% S-Fund (Small caps)
15% I-Fund (International equities)
50% G-Fund (Treasuries)
Is this too aggressive considering my risk aversivness?
Any suggestions/comments on AA or DCA method would be appreciated.