Browsing: C Fund

Q. My plan is to retire on Dec. 31, 2018, at age 58 (under FERS). My TSP balance is just over $1 million. I plan to leave my TSP account with the federal government at this time. My current distribution in the account is as follows: G 8.83 percent; F 17.5 percent; C 31.5 percent; S 32.05 percent; and I 10.06 percent. How would you recommend that I reallocate my funds before I retire?

Q. I will be retiring within the next month. I am single, 62, and can easily live off my pension and Social Security. I’d like to leave my TSP amount intact and only withdraw lump amounts (based on TSP changes coming in 2019) for home improvements or a nice long vacation. I do not need a monthly withdrawal. I currently am 50 percent in the C Fund and 50 percent in L2030. I choose L2030 because my family history of medical issues has shortened most family members’ lifetimes. I do not anticipate a long life, but do want to completely enjoy…

Q. I am 55 and retired CSRS this past January. When it comes to my TSP investment, 50 percent is in G, 40 percent in C, and 10 percent in S. Should I move any or all of my G Fund to C? It goes against the “buy low, sell high” philosophy, but I feel like I would earn more over time before I have to take minimum distribution if I put my G Funds back into C.

Q. When you lose money in the TSP C,S or I Funds (during a correction or crash), is it only on paper and only temporary until the market rises again at some point? The only time you really lose money is when you sell in a down market and “lock” in your losses, correct?

Q. I was forced to liquidate almost all of my savings, stocks, etc., five years ago to assist a family member with some much-needed medical financial assistance. I am 54 years old, and plan on working for an additional 14 years. I’m currently putting $350/pay period into TSP with contribution allocations in L2030 (10%), C Fund (45%) and S Fund (45%). Balances are $13,662, $2,730 and $10,986, respectively. Every opportunity I get, I increase my contribution. Here’s my question: Based on the short amount of time I have left to retire (14 years), is my allocation percentage into the three funds…

Q. I’m a 65-year-old retiree under CSRS, have about $175,000 in TSP and do not plan on withdrawing from TSP until age 70. As a conservative investor, I currently have money in the G, C and I Funds hoping to have some money in a safer fund and some in which I can see a better return. With the current market downturn and the future predictions, I’m unsure where I should be investing. I don’t want to put everything in the G Fund, but I don’t want to put too much of my money at too high a risk. Any…

Q. The continued drop of the stock market (and therefore the C, S and I Funds) is scaring me and I want to preserve the gains I had in 2017. I just reallocated my TSP balance to C, S and I Funds on January 29, moving from an L Fund allocation. I change my allocation every year in January, but in hindsight it was a bad decision this time. If I have, say, $200,000 today, will an interfund transfer to the G Fund show my TSP balance to be $200,000 tomorrow? I want to stop my TSP balance from dropping…

Q. I am 57 years old and plan to retire from the federal civil service in 4-5 years with 23 years. About a year ago I significantly reduced the amount going to the G Fund and significantly increased the amount going into the C Fund. The changes have resulted in a current balance of 50 percent G Fund and 50 percent C Fund. Previous to the changes, I had a much larger percentage in the G Fund. I realize I am not diversified as I probably should be. Any recommendations for reallocating my TSP?

Q. Do you have suggestions as to any good books/blogs/websites to read in order to understand how to properly allocate my TSP funds? I am 26 years old and have been working in the federal sector for a little over a year. From everything I have read so far, I should invest most of my allocations into the C, S and I Funds because I can afford to take risk. I would like to know of any material that discusses TSP allocations in more detail.

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