Browsing: G Fund

Q. I am 74 years old and currently have TSP funds in the amount of $140,000 in the G Fund. Should I allocate about $30,000 or so in one of the riskier funds? I would like for my TSP to grow larger but am a little apprehensive about losing money if I move it. I didn’t start investing in the TSP until the last 15 years of government service. I only take out the RMD each year.

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 am nearing retirement and keep hearing that the G Fund is not a good choice as it does not even keep up with inflation. I have seen the charts on TSP.gov where they compare all the funds from inception vs. inflation, and they all outpace inflation, even the G Fund. To determine if what I am hearing is true, I am interested in seeing the G Fund vs. inflation comparison for less than the time since inception; for example, since 2000 or since 2010 up to now, as I think that is more relevant than since 1987. When…

Q. I am a 58-year-old FERS retiree, retired two years ago, and unfortunately only have $120,000 in my TSP. I will try not to take out any money until I turn 70, if possible. What L Fund do you recommend I keep my money in? I cannot tolerate loss at this point, but would like some growth.

Q. I recently attended a U.S. Postal Service retirement seminar not sponsored by the USPS. While good information was given relating to how FERS, the SRS and the TSP work, at the end of the meeting the speaker mentioned the option of rolling over your TSP into what he called a “G-C Fund” that he said will never lose money. Do you know about this? I can’t find anything online about it and I’m skeptical.

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. 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…

1 2 3 7