Browsing: Investing

Q. I am 69 years of age and have all my funds in the 2030 fund totaling about $ 89,000. I would like to start taking out $500 per month starting in January 2018. What type of allocation of funds would be good for this amount, percentagewise, where would the spread be best to last 15-20 years. Could you give me an example or two of allocations that would be of great help?

Q. I am a FERS employee with 28 years in government service and about five years away from retirement. I evaluate my TSP portfolio allocation based on risk comfort, life expectancy, etc. in isolation from what I expect to receive from Social Security and my FERS pension. My allocation is roughly 60 percent stocks, 40 percent bonds (mostly G Fund). Recently, I have been told that because I will have a guaranteed income stream from my FERS pension, I can afford to take more risk in my TSP and I should move money from the G Fund to the stock side of the portfolio.…

Here are the year-to-date returns, through the end of June, for the five basic Thrift Savings Plan funds: C Fund = 9.34% I Fund = 14.10% S Fund = 7.41% F Fund = 2.48% G Fund = 1.17%. Interesting? Maybe to some. Useful? I don’t know how. As an investment manager — or TSP participant, as you are commonly known — you are responsible for making or delegating the making of a massive series of decisions. Some of these decisions, like whether you contribute to the Roth or the Traditional TSP accounts, will most likely wind up being relatively insignificant.…

Q. I have accumulated a tidy sum in my TSP investment account. It is diversified between stocks and the G Fund. With the volatile market, should I take money from the stock fund and move it all to the secured G Fund? I would still contribute while working. I plan to retire in two and a half years at age 66½ and worry about having this money secured for retirement.

Q. I’m a current CSRS employee considering retirement after 34 years of service. With a $300,000 balance in my TSP account. I’m currently risk adverse and for the past two years have been in the L Income Fund. I have read many of the questions about investing and found a familiar reply below: “I suggest that you invest your TSP balance in the L Fund that most closely corresponds to your life expectancy”. I am 61 years of age and hopefully will be alive until my early 80s. Isn’t the L2030 fund too risky for someone of my age? What…

Which way will the market, and the value of your TSP account, go next? If you’re like most investors, you are betting, and therefore hoping, that it moves higher. Or, maybe, lower. Either way, if you have a preference, then that preference makes you vulnerable — vulnerable to the risk of being wrong. As much as you might tell yourself otherwise, the odds that the value of a share in the C, S, I or F funds will go up or down in the short run are about 50-50. If you’re betting that the C Fund will rise in value…

Q. I have been a federal employee for 10 years. I am 48 years old and am putting very little in the G Fund, which is at about $14,000 now. Not much. They say it’s never too late. I’m not planning to work until 60. What should I do to gain more money for retirement fast and preferably safe?

Q. What fund diversification strategy percentages would you recommend for low-risk tolerance that also lets me earn more through my TSP account? I am a 29-year-old U.S. Postal Service employee with almost two years of service. I currently have $10,200 in my TSP with all of it invested in the G Fund.

Q. I am a 73-year-old Air Force retiree and TSP account participant. When I had to comply with the IRS’ required minimum distributions requirement at 70½ years of age, I also had regular certificate of deposits of a savings nature (pretaxed) in different facilities such as savings and loans. I elected to consolidate all of my savings for ease of record-keeping and accidentally renamed my CDs as IRA accounts when they matured for a greater percentage of return. Last year I learned that I could contribute again into my TSP account even though I was not working, so I rolled over all of…

Q. I am currently serving in the Army. I have completed five years of service and have been contributing 5 percent into my traditional TSP account. One-hundred percent of my contributions are going into the G Fund. What fund or percentage of funds would you recommend? I am already a staff sergeant and will serve at least 20 years. I am also aware of the changes to TSP matching for military members and the reduction to retirement percentage that will happen if I elect to defer my legacy plan.

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