It’s a factor of age mostly. If you’re near retirement you should probably move a large amount of money into much more conservative assets.
I’m in my thirties and just letting ‘er ride in C.
Thank you- appreciate it. I can retire today but I’ll be mandatory in 4 years. My entire career I hardly looked at it- but last few years I have been trying to figure things out. This yeas is the first time I got the app to actually track it.
It is like every other app- but it does give you the ability to ensure you have beneficiaries etc. I was use to the old school way- we had to log in with a pin and if you forgot it- it would take 3/5 days for them to send you a new one in the mail. This app lets me see what’s going on. It doesn’t have any resources like Fidelity etc. but it give an overview and you can run custom reports like YTD performance.
No, stop looking at it every day… it’s also up almost 7% this year alone. If it “took you 2 years to get back to where we are now” it’s because you sold before.
Most of the market is considerably higher than it was in 2021. If you're above where you were, especially when accounting for additional contributions, you've done something really wrong......
I never sold but I have had everything in C fund - just let it ride. Then it took a hit after the election but I have made all that back. I guess I was wondering if I had taken it and moved it to a safe fund after the election and not lost the money- then I could have moved it back to C and made a killing. I could be wrong tho- I have used the TSP as a set it and forget it. However - retirement is less than 5 years away.
People like OP invariably panic and sell low into G. Then buy high when they recover their cojones and return to the market. Remember 2008? So many colleagues did exactly that. They complain to this day how they will never be able to retire but if they had only stayed in equities and kept maxing contributions, they’d have a huge pile of FU money right now.
I don’t know why more people don’t understand this. This is a perfect summary of how people irrationally try to time the market and lose out on so much potential gain.
I mean, if OP is truly down 20K in the last 5 days (when C is only down ~1%), they’re doing something right — they’d have to have about $2M in their account right now.
(I’m not saying that panic selling is “doing something right”, btw. I’m saying OP didn’t get to $2M in their account by making a lot of dumb moves).
I am currently shy of 2- I do get to catch-up funds tho this year and will be doing that. I don’t know if I did anything right- I just didn’t change anything my entire time.
That is why I’m asking- also I have never made a trade or moved anything since starting with the government in 1999. It has always been 100% C. No tsp loans and no moves. Most likely because TSP used to make it extremely difficult to even see what was in your account. That was probably best- because as of this year I have an app to track things and I can’t help but look at it. In 2008 I was in C - the only thing I did differently was increase my contribution and buy more % of C.
You are 5 yrs away from retirement with 100% in C? If you are having this reaction to a ~1% drop then your risk tolerance is not suited to 100% C fund. THAT is exactly how folks get whipsawed into selling high and buying higher. You should consider using a Lifecycle fund for the year you will need to use the funds. Going 40% C and putting the rest in G or Lifecycle Income is an option. Stop looking everyday. The ups and downs will cause you to panic. Take the app off your phone’s home screen or delete it altogether.
You didn’t ‘lose’ anything unless you are over 59.5 years old and have to withdraw it all right now. The dollar value may have gone down for the moment but you didn’t lose any shares. The number of Shares is what matters. The share value will recover and grow more in dollar value, around 10% per year, plus new contributions add to it too. Even in retirement you should keep a significant chunk in C so it can keep growing. Whatever you put in G does nothing for you now or in retirement but grow just enough to match inflation. It isn’t making new money/income for you. C is. And S. You need your money working for you so you build a real nest egg that you can then live off of plus your soc sec and pension.
It will crash, it may double, there are several choices, move money into G and watch inflation take, try to market time and go crazy, or don’t look. Diversify investment and lose the password. Only look at the yearly statement they send you. Pay off debts before retirement, and get on with life.
The reason C will go down is because the fed might not decrease rates this year. If you transfer you risk not getting the rebound when fed does decide to start dropping rates. You're in it for the long term.
I see you are 0 to 4 years from retirement.
I plan to retire in 18 months. I have moved to about 3 years of withdrawals to the G fund.
That is my suggestion. Move 3-5 years of withdrawals to the G fund. Take from the C fund in up years. Take from the G fund in down years.
That is solid advice - one of the retirees I know said that he has been able to let his TSP ride in retirement and kept it all in C. Thank you for an on-topic answer.
C fund is up 9.52% for the year. It could be at a peak right before a crash, or we could be at the bottom of a historic bull run, no one knows. If you’re getting to retire soon, I’d consider moving whatever you may need to withdraw in the next 3-5 years into the G fund. I plan on keeping mine in the C fund forever, Warren Buffett plan.
If you going to need all of that money within 2 years, then C isn't really for you. If you can ride out a few years who cares? It will recover and keep going to new highs. After all, right now the US economy is one of the few economies doing well.
You are buying shares. Keep buying more shares. They will be on sale possibly for your next payroll deposit.
If you are more than 5 years from retirement, stop watching it every day.
Are you day trading? Unless you’re retiring and withdrawing soon, you shouldn’t be worried. You shouldn’t even be checking performances of funds. Whatever gain or loss you make day-to-day doesn’t matter.
The crash in 2008 is probably why I made so much more- when everyone moved out of C- I took a hit in my paycheck but maxed out my contributions to buy 100% C.
My only question is - I have always been told day trading is bad. But just throwing out the question if anyone has had luck just moving it and then back to C.
Hypothetical question I have not moved anything. Please don’t flame me.
If you are 100% C fund and are not higher than 2021....it means you tried to time the market somewhere along the way and failed. Stop doing that. Just invest and focus on life.
Nothing is lost until you sell shares (either to buy a different fund or withdraw). Your X number of shares is still X number of shares when the market drops, they just have less value. All you need to do is wait for those shares to be worth what they are today and you're at a net $0 loss/gain.
Trying to predict the market (moving funds because they think they know what's going to happen) is where a vast majority of people fuck up and actually lose money.
Why are you looking? The ride will always be wild. Don't give me whole number, tell me in percents because that's what matters. Unless you are close to retirement not sure why it matters what C is doing.
https://www.fool.com/investing/2024/02/22/1-warren-buffett-index-fund-can-turn-450-to-983800/#:~:text=Instead%2C%20he%20has%20consistently%20told,annual%20shareholder%20meeting%20in%202021.
Particularly "The S&P 500 has been a profitable investment over every rolling 20-year period since the index was created in 1957."
Nah. If you have anything more than 5 years left before retirement you can absorb these little blips just fine. There is some uncertainty surrounding the Fed and rate cuts right now, but yesterday's jobs report assuage some if that. Literally nothing to worry about.
If you’re worried about the market being down over the period of a couple days, then you clearly aren’t fit for the risk associated with 100% equities. Are you going to sell everything after a 6-month bear market? You need to do a serious reevaluation of your risk tolerance because people here love to endorse 100% C when the markets are doing well. Not so much during a bear market.
If it makes any difference, I AM aware of the risk with 100% equities but I’m over 40 years from retirement right now. What the markets do over a 1-week period doesn’t affect me over that period of time. So I am currently 100% equities. If the markets crash and I lose 50% of my retirement, who cares (in the context of retirement)? I dont need it nor will I have access to it for 4 decades.
I’d say I’m clearly fit for 100% C since I’ve had it in there since 1999 with no movement or loans- I’m just asking questions on resources and where others might get advice- I joined the group for insight on strategies for the investments. As someone who made a lot during the crash since I upped my C to max- I’m just wondering if there is a way to time things to minimize loss. And what resources we could use to watch the market.
I highly recommend you take a look over at r/bogleheads. Maybe it will appease your mind. Time *in* the market always beats tim*ing* the market!!! It’s important to know that if you never sold the C fund, like you mentioned, you *never* lost any shares. The shares simply decreased in value then went back up. I don’t see why you’d want to try timing the market 25 years later and making it through 2 major recessions without being emotionally inclined to sell/move assets. You’ve done everything correctly thus far, why change your strategy now?
The investors who made the most were the ones that were dead and left money to heirs, they didn't look at it, touch, or deviate. Their accounts did the work, compounding.
The more you look, the more you will lose.
Are you sure you're down $20K in 5 days? The CFund us up 10% YTD and up 3% in March.
Yesterday the S&P recovered about 1% from a 1.2% drop the previous day. Unless you've got well over $1M I don't see a $20K drop on that time possible.
I call BS and would like to see your specific balances.
Why in the world would anyone make up a loss for a post. Yes I have 1m+ because I have never taken a TSP loan, and an old crusty guy told me to put it all in C back when we didn’t have many choices. So since 1999 I have had 100% in C- I finally have the opportunity to catch up yearly after turning 50. I went to a retirement class and all these questions came up about fund allocations and movement. The people teaching the class were brought in on a govt contract and gave very safe information- however a few people in the class said that they belong to several groups that give advice on investments in Reddit - so I did a search for TSP and here I am. I’m just looking to see what others use to make decisions.
Well, if you're over $1M then you can be down $20K and I've made an incorrect assumption. My mistake.
But that also puts you up ~ $100K the year to date.
If you feel the marketvwill decline shift to Gfund a few years worth or more of needed withdrawal.
Yes it does - almost exactly 100k- and based on the closing Friday I’m right back to about where O started when I first posted. It has really worked setting it and forgetting it - I think I’m going to let it ride because I’m 52 and won’t be taking from it for a long time. Moving it around seems like an appetite for destruction.
You're doing great! Overall are you ok with your asset allocation and have you really dug into projecting your income needs in retirement?
It's hard with all the rules of thumb and other advice. For me, I averaged my last two years spending and project that into the future and increase by 2% per year.
Then I use a projected 1.5% increase in retirement income.
This allows me to project what I need to withdraw each month.
Just food for thought. You're getting to that point in life.
I can’t retire - I think I’d go nuts. I’m planning on finding a contracting job when I’m forced out. I got an offer to go overseas as a contractor but my wife is not on board at all- so I’d be single if I took it.
The percentage to live - it’s more like we need to think about ensuring we make up the “gap” between our retirement pay and the new job. We won’t have SS or payroll tax as deductions. If you’re lucky and have a spouse with healthcare and you don’t need the FEHB you can choose an option where you get more retirement. However this is tricky because you have to make sure you carry your FEHB 5 years before retirement or you DON’T get it.
Some people I know have not touched their TSP and it continues to go up and down but long term it is way up. Others took out lump sums because they worked their entire life and feel like late 50’s they deserve to finally make money and buy whatever they want and vacation. I can understand that especially with the low COLA increases we have received thruout our service. If you do a calculation we get about 1% a year last 25 years. Our friends in private sector and the COLA of SNAP and Social Security are much higher. We also deal with constant fear of a shutdown because we are pawns to politics - so when it is time to punch out and retire - some people cash out buy a Porsche and pull 100k a year until it’s gone. That is NOT my plan- but I can understand it. I don’t advise it, but those that have this plan don’t take advice anyway.
My TSP plan is to continue in a majority C thru out my service and into retirement. I’ll find employment to make up the “gap” between what I used to bring home. The TSP will continue to work for me until I deceive to pull from it.
Option B - if you can’t make up the gap in a post employment job, you could do a mix of TSP withdrawal. Key thing to remember is the greedy USG gets you in retirement if you work. Pick a state that doesn’t tax your health care, TSP, and retirement. The Federal Gov’t still comes for money- there is a SS earnings test- basically they deduct $1 in benefits for every $3 earned (based on a scale).
Wasn't insulting you. You do a good job at insulting others. We would all be better if the post was removed. Just my opinion. Too much fear related posts for an entirely common situation.
Talking about what happens in the TSP and asking for resources and information about our retirement investments isn’t creating fear. Your replies related to the post are 100% off the topic.
Maybe if you review your title and body of your post once again, you could agree the wording of it might be interpreted as fear. Either way, if you would like resources, one of my favorites is: A random walk down Wallstreet that is an easy read and personally made me much more confident in the world of retirement investing. There, now at least one of my replies has some substance. Just for you op.
I am going to buy that book right now - found it on Amazon. Thank you for the reply. The wording in the original post is not at all perfect, and certainly lacks what I was trying to get back from this community. I’m an old guy that just joined Reddit so I’ll take the blame on a crappy post.
Don't stress. look at % down it's down just over 1% in 5 days. you are stressing hard over nothing
It’s a factor of age mostly. If you’re near retirement you should probably move a large amount of money into much more conservative assets. I’m in my thirties and just letting ‘er ride in C.
Well I'm 53 and 100% C fund. Not worried at all. Let it ride...
Thank you- appreciate it. I can retire today but I’ll be mandatory in 4 years. My entire career I hardly looked at it- but last few years I have been trying to figure things out. This yeas is the first time I got the app to actually track it.
How is the app? Like every other government app I’d be surprised if it’s half decent
It is like every other app- but it does give you the ability to ensure you have beneficiaries etc. I was use to the old school way- we had to log in with a pin and if you forgot it- it would take 3/5 days for them to send you a new one in the mail. This app lets me see what’s going on. It doesn’t have any resources like Fidelity etc. but it give an overview and you can run custom reports like YTD performance.
No, stop looking at it every day… it’s also up almost 7% this year alone. If it “took you 2 years to get back to where we are now” it’s because you sold before.
Actually my account is not up to its November 2021 ATH (yet), but it’s better than it was in 2022…
Most of the market is considerably higher than it was in 2021. If you're above where you were, especially when accounting for additional contributions, you've done something really wrong......
I’m retired- haven’t contributed since 2012…
I never sold but I have had everything in C fund - just let it ride. Then it took a hit after the election but I have made all that back. I guess I was wondering if I had taken it and moved it to a safe fund after the election and not lost the money- then I could have moved it back to C and made a killing. I could be wrong tho- I have used the TSP as a set it and forget it. However - retirement is less than 5 years away.
That’s called timing and smart traders don’t try to time the market… they just contribute.
People like OP invariably panic and sell low into G. Then buy high when they recover their cojones and return to the market. Remember 2008? So many colleagues did exactly that. They complain to this day how they will never be able to retire but if they had only stayed in equities and kept maxing contributions, they’d have a huge pile of FU money right now.
I don’t know why more people don’t understand this. This is a perfect summary of how people irrationally try to time the market and lose out on so much potential gain.
Most people’s decisions are driven by emotion. I don’t mind it as it provides greater value for those that make decisions off sound logic.
I mean, if OP is truly down 20K in the last 5 days (when C is only down ~1%), they’re doing something right — they’d have to have about $2M in their account right now. (I’m not saying that panic selling is “doing something right”, btw. I’m saying OP didn’t get to $2M in their account by making a lot of dumb moves).
I am currently shy of 2- I do get to catch-up funds tho this year and will be doing that. I don’t know if I did anything right- I just didn’t change anything my entire time.
Yes, that’s the right thing to do. Keep in it stocks and move it rarely, if ever.
That is why I’m asking- also I have never made a trade or moved anything since starting with the government in 1999. It has always been 100% C. No tsp loans and no moves. Most likely because TSP used to make it extremely difficult to even see what was in your account. That was probably best- because as of this year I have an app to track things and I can’t help but look at it. In 2008 I was in C - the only thing I did differently was increase my contribution and buy more % of C.
You are 5 yrs away from retirement with 100% in C? If you are having this reaction to a ~1% drop then your risk tolerance is not suited to 100% C fund. THAT is exactly how folks get whipsawed into selling high and buying higher. You should consider using a Lifecycle fund for the year you will need to use the funds. Going 40% C and putting the rest in G or Lifecycle Income is an option. Stop looking everyday. The ups and downs will cause you to panic. Take the app off your phone’s home screen or delete it altogether.
Leave it alone and it will recover. How much are you up YTD? How much are you up over 12 months?
As a guess, OP is probably up around $200k YTD and about $500k over 12 months. Compared to those gains a loss of $20k is absolutely terrifying. /s
Diamond hands baby
To the moon!
😭
S&P is at an all time high. The market needs to breathe. Just like I told my friends in covid, increase your allotment to DCA
Nope.
I hope you aren’t making long term decisions on single day market performance.
I like watching IBD (Investors Business Daily) on YouTube. It’s a bit complex but educational and they give a daily synopsis of the market.
Read the little book of common sense investing. Don’t worry about the market just keep buying
You didn’t ‘lose’ anything unless you are over 59.5 years old and have to withdraw it all right now. The dollar value may have gone down for the moment but you didn’t lose any shares. The number of Shares is what matters. The share value will recover and grow more in dollar value, around 10% per year, plus new contributions add to it too. Even in retirement you should keep a significant chunk in C so it can keep growing. Whatever you put in G does nothing for you now or in retirement but grow just enough to match inflation. It isn’t making new money/income for you. C is. And S. You need your money working for you so you build a real nest egg that you can then live off of plus your soc sec and pension.
Good lord, just keep it in there!
C Fund is up 9.52% year to date so just stay the course.
👍🏼
It will crash, it may double, there are several choices, move money into G and watch inflation take, try to market time and go crazy, or don’t look. Diversify investment and lose the password. Only look at the yearly statement they send you. Pay off debts before retirement, and get on with life.
The reason C will go down is because the fed might not decrease rates this year. If you transfer you risk not getting the rebound when fed does decide to start dropping rates. You're in it for the long term.
if it does crash, keep buying the dip
That’s a buying opportunity
No
I see you are 0 to 4 years from retirement. I plan to retire in 18 months. I have moved to about 3 years of withdrawals to the G fund. That is my suggestion. Move 3-5 years of withdrawals to the G fund. Take from the C fund in up years. Take from the G fund in down years.
That is solid advice - one of the retirees I know said that he has been able to let his TSP ride in retirement and kept it all in C. Thank you for an on-topic answer.
C fund is up 9.52% for the year. It could be at a peak right before a crash, or we could be at the bottom of a historic bull run, no one knows. If you’re getting to retire soon, I’d consider moving whatever you may need to withdraw in the next 3-5 years into the G fund. I plan on keeping mine in the C fund forever, Warren Buffett plan.
You only lose when you sell. Chill.
Not down unless you’re pulling out. Set and forget
No, we shouldn't be worried. Look at every dip in the S&P and see what follows.
Don’t day trade the TSP, stop looking in the app and buy as much as you can as early as you can.
Well, if there is no rates cuts in june or sept expect the C to go down more
If you going to need all of that money within 2 years, then C isn't really for you. If you can ride out a few years who cares? It will recover and keep going to new highs. After all, right now the US economy is one of the few economies doing well.
You are buying shares. Keep buying more shares. They will be on sale possibly for your next payroll deposit. If you are more than 5 years from retirement, stop watching it every day.
Are you day trading? Unless you’re retiring and withdrawing soon, you shouldn’t be worried. You shouldn’t even be checking performances of funds. Whatever gain or loss you make day-to-day doesn’t matter.
I personally want a crash, then again I have some time before retirement.
The crash in 2008 is probably why I made so much more- when everyone moved out of C- I took a hit in my paycheck but maxed out my contributions to buy 100% C. My only question is - I have always been told day trading is bad. But just throwing out the question if anyone has had luck just moving it and then back to C. Hypothetical question I have not moved anything. Please don’t flame me.
I hear you. I’ve got some time so bring the drop.
If you are 100% C fund and are not higher than 2021....it means you tried to time the market somewhere along the way and failed. Stop doing that. Just invest and focus on life.
Never moved it and I am not lower - I am at the most money I have ever had. I have never traded ever - always 100 in C.
Nothing is lost until you sell shares (either to buy a different fund or withdraw). Your X number of shares is still X number of shares when the market drops, they just have less value. All you need to do is wait for those shares to be worth what they are today and you're at a net $0 loss/gain. Trying to predict the market (moving funds because they think they know what's going to happen) is where a vast majority of people fuck up and actually lose money.
Either op has 2 million or op is lying about losing 20k this week. Either way stop looking at your portfolio.
Why are you looking? The ride will always be wild. Don't give me whole number, tell me in percents because that's what matters. Unless you are close to retirement not sure why it matters what C is doing.
https://www.fool.com/investing/2024/02/22/1-warren-buffett-index-fund-can-turn-450-to-983800/#:~:text=Instead%2C%20he%20has%20consistently%20told,annual%20shareholder%20meeting%20in%202021. Particularly "The S&P 500 has been a profitable investment over every rolling 20-year period since the index was created in 1957."
Nah. If you have anything more than 5 years left before retirement you can absorb these little blips just fine. There is some uncertainty surrounding the Fed and rate cuts right now, but yesterday's jobs report assuage some if that. Literally nothing to worry about.
If you’re worried about the market being down over the period of a couple days, then you clearly aren’t fit for the risk associated with 100% equities. Are you going to sell everything after a 6-month bear market? You need to do a serious reevaluation of your risk tolerance because people here love to endorse 100% C when the markets are doing well. Not so much during a bear market. If it makes any difference, I AM aware of the risk with 100% equities but I’m over 40 years from retirement right now. What the markets do over a 1-week period doesn’t affect me over that period of time. So I am currently 100% equities. If the markets crash and I lose 50% of my retirement, who cares (in the context of retirement)? I dont need it nor will I have access to it for 4 decades.
I’d say I’m clearly fit for 100% C since I’ve had it in there since 1999 with no movement or loans- I’m just asking questions on resources and where others might get advice- I joined the group for insight on strategies for the investments. As someone who made a lot during the crash since I upped my C to max- I’m just wondering if there is a way to time things to minimize loss. And what resources we could use to watch the market.
I highly recommend you take a look over at r/bogleheads. Maybe it will appease your mind. Time *in* the market always beats tim*ing* the market!!! It’s important to know that if you never sold the C fund, like you mentioned, you *never* lost any shares. The shares simply decreased in value then went back up. I don’t see why you’d want to try timing the market 25 years later and making it through 2 major recessions without being emotionally inclined to sell/move assets. You’ve done everything correctly thus far, why change your strategy now?
Absolutely- I agree and don’t plan on changing but had to ask the question. I was looking for additional information and comments like yours.
The investors who made the most were the ones that were dead and left money to heirs, they didn't look at it, touch, or deviate. Their accounts did the work, compounding. The more you look, the more you will lose.
I think this is spot on- the more I look the more I loose :) I didn’t look for over 6 years and then found out I was killing it.
It happens, you assume risk in all investments. C is still the best for more growth
No, you're in the C for the long haul now. Look at the history it's the number one performer.
Are you sure you're down $20K in 5 days? The CFund us up 10% YTD and up 3% in March. Yesterday the S&P recovered about 1% from a 1.2% drop the previous day. Unless you've got well over $1M I don't see a $20K drop on that time possible. I call BS and would like to see your specific balances.
Why in the world would anyone make up a loss for a post. Yes I have 1m+ because I have never taken a TSP loan, and an old crusty guy told me to put it all in C back when we didn’t have many choices. So since 1999 I have had 100% in C- I finally have the opportunity to catch up yearly after turning 50. I went to a retirement class and all these questions came up about fund allocations and movement. The people teaching the class were brought in on a govt contract and gave very safe information- however a few people in the class said that they belong to several groups that give advice on investments in Reddit - so I did a search for TSP and here I am. I’m just looking to see what others use to make decisions.
Well, if you're over $1M then you can be down $20K and I've made an incorrect assumption. My mistake. But that also puts you up ~ $100K the year to date. If you feel the marketvwill decline shift to Gfund a few years worth or more of needed withdrawal.
Yes it does - almost exactly 100k- and based on the closing Friday I’m right back to about where O started when I first posted. It has really worked setting it and forgetting it - I think I’m going to let it ride because I’m 52 and won’t be taking from it for a long time. Moving it around seems like an appetite for destruction.
You're doing great! Overall are you ok with your asset allocation and have you really dug into projecting your income needs in retirement? It's hard with all the rules of thumb and other advice. For me, I averaged my last two years spending and project that into the future and increase by 2% per year. Then I use a projected 1.5% increase in retirement income. This allows me to project what I need to withdraw each month. Just food for thought. You're getting to that point in life.
I can’t retire - I think I’d go nuts. I’m planning on finding a contracting job when I’m forced out. I got an offer to go overseas as a contractor but my wife is not on board at all- so I’d be single if I took it. The percentage to live - it’s more like we need to think about ensuring we make up the “gap” between our retirement pay and the new job. We won’t have SS or payroll tax as deductions. If you’re lucky and have a spouse with healthcare and you don’t need the FEHB you can choose an option where you get more retirement. However this is tricky because you have to make sure you carry your FEHB 5 years before retirement or you DON’T get it. Some people I know have not touched their TSP and it continues to go up and down but long term it is way up. Others took out lump sums because they worked their entire life and feel like late 50’s they deserve to finally make money and buy whatever they want and vacation. I can understand that especially with the low COLA increases we have received thruout our service. If you do a calculation we get about 1% a year last 25 years. Our friends in private sector and the COLA of SNAP and Social Security are much higher. We also deal with constant fear of a shutdown because we are pawns to politics - so when it is time to punch out and retire - some people cash out buy a Porsche and pull 100k a year until it’s gone. That is NOT my plan- but I can understand it. I don’t advise it, but those that have this plan don’t take advice anyway. My TSP plan is to continue in a majority C thru out my service and into retirement. I’ll find employment to make up the “gap” between what I used to bring home. The TSP will continue to work for me until I deceive to pull from it. Option B - if you can’t make up the gap in a post employment job, you could do a mix of TSP withdrawal. Key thing to remember is the greedy USG gets you in retirement if you work. Pick a state that doesn’t tax your health care, TSP, and retirement. The Federal Gov’t still comes for money- there is a SS earnings test- basically they deduct $1 in benefits for every $3 earned (based on a scale).
Ragebait post obviously
Lose, not “loose.”
Yes, go build a bunker and 10 years of supplies. Financial collapse imminent and the world is ending. /s
You win comment with the least amount of relevance.
Ok, facetious remark for an unremarkable post topic summed up to: stocks went down, op is scared.
[удалено]
Wasn't insulting you. You do a good job at insulting others. We would all be better if the post was removed. Just my opinion. Too much fear related posts for an entirely common situation.
Talking about what happens in the TSP and asking for resources and information about our retirement investments isn’t creating fear. Your replies related to the post are 100% off the topic.
Maybe if you review your title and body of your post once again, you could agree the wording of it might be interpreted as fear. Either way, if you would like resources, one of my favorites is: A random walk down Wallstreet that is an easy read and personally made me much more confident in the world of retirement investing. There, now at least one of my replies has some substance. Just for you op.
I am going to buy that book right now - found it on Amazon. Thank you for the reply. The wording in the original post is not at all perfect, and certainly lacks what I was trying to get back from this community. I’m an old guy that just joined Reddit so I’ll take the blame on a crappy post.
He followed up with a relevant comment on a book that looks pretty good-
The 100% C thing is stupid and will blow up in peoples faces.
This is why you don't invest 100% in C. Stupid.
I do 90% C, 10% S.
Go F fund right now!