Browsing: Investing

Q. I’m 68, about to retire from the U.S. Postal Service and have $260,000 in the TSP. Trying to choose between a rollover to Edward Jones or keeping in the TSP. I know the fees are high at EJ, but the personal contact is reassuring, and my track record isn’t very good managing my account in the TSP. Advice?

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 am a federal employee with 17 years until retirement. I was going to open a 529 college fund for my daughter, but I’m thinking that I should invest that money into my TSP instead … knowing that I’ll retire when my daughter graduates high school. If she gets a scholarship or decides not to go to college, however, the money can be spent elsewhere. Is this a good idea? 

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 have my personal investments with Wells Fargo. Would it be practical to move all of my Wells Fargo investments to the TSP to avoid the 1 percent fees I am charged? I know the TSP is very low cost.

Q. I am 61 years of age and a CSRS annuitant for the past last seven years. My wife is also a CSRS annuitant (age 55). We are both in the L2020 fund. With our joint annuities we are financially whole. My question is, we are contemplating transferring 50 percent of my 2020 fund (approximately $150,000) and 50 percent of her L2020 fund (approximately $70,000) to the L2030 fund. We are both in good health. Please comment on the transfer proposal and the amounts.

Q. I never really understood the G Fund. Am I correct in believing that as long as I leave money in the G Fund, the value of the G Fund will never decrease? Further, the yield is influenced mostly by the yield on the 10-year Treasury. So, as these interest rates rise so probably will the yield on the 10-year Treasury?

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