Browsing: S Fund

Q. I currently have a TSP account as an FERS employee, with 100 percent is in the L2040 Fund since I started almost 3 years ago. I have a long way until retirement, as I am 37 years old. Someone said I should do the “CSI,”  which would be C Fund=40 percent; S Fund=40 percent; I Fund=20 percent, but I’m not sure what that even means.  I would like to look forward to a comfortable retirement so suggestions are welcome and much appreciated! A. You should ask the “someone” whether they will take responsibility for the outcomes their advice will produce.…

Q. I am wondering how Lifecycle Funds value are determined. For instance, the L2050 Fund is less expensive than the L2020 Fund and the L2050 is the more aggressive fund meaning it has a higher percentage of C, I and S. I don’t understand how this works. Additionally, I tabulated each of the L funds by taking the percent allocation multiplied by the cost of the fund and it is less expensive for me to allocate the same percentages of any of the L funds (outside of L2050) directly versus the subsequent L fund. For example, as of this [April…

Q. I am a federal employee under CSRS, eligible to retire with max benefits in 2024 (41 years and 11 months) at the age of 60. My TSP distribution is 50 percent L 2020, 15 percent C fund, 15 percent S and 15 percent I funds. At the close of 2018 my balance was $340,295, which reflects a loss of $47,753. Should I move everything to the L Fund?

Q. Currently I have 90 percent in the S fund and 10 percent in the G Fund. Obviously, I’ve lost a lot of the gains we made $57,000 to be exact.I know we are due for a correction, but I have no idea what to do. Move to the L Fund? Move 50 percent to C? If I do those now, do I lose? I retire in 6 years 10 months.

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. 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…

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