Is 100% C Fund The Best TSP Strategy?
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- Опубліковано 20 тра 2024
- Should you invest everything into C Fund in your Thrift Savings Plan (TSP)? What are the risks of investing everything into the C Fund?
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100% C. It’s an index fund made up of 500 biggest companies on the market. That’s pretty diverse and it historically outperforms S and I. $350 a pay period in C for 25yrs should make you a millionaire.
100% C fund. All of the other TSP funds are garbage.
@@aristocrit4537 lol same here 100% C fund
i have 17 years in wi the tsp through usps, i have about 55% in c and the rest scattered, wondering if its a good idea to go 100% c, great video explaining, i have a lot of co workers who do t even look at theirs
What about L fund
@@QuartySkillz L fund isnt a fund. Its just the other 5 funds mixed together in percentages.
@@evolutionofcando379 I would recommend increasing the C fund, but that's just me.
My game plan is the following : 1 million in the C fund , 200k in the G fund .. retire at 62...take 40,000 out of the C fund each year for life and adjust to inflation each year appx 3% .. if the G fund drops like crazy , such as in 2008, 2009 etc , take money out of the G fund during the terrible C fund market conditions. In reviewing history data .. the C fund which tracks the SNP 500 averages has been up 10-11% average per year and inflation has increased 3% .. so one can really take out 7% per year of the C fund and be good to go. This is my plan to retire at 62 and collect $ 5,000 per month, pension and SS. Have low or no debt .... does this make sense ??
I was one of the first federal employee's to be switched away from the CSRS and placed in the FERs system back in 1987. Feeling jaded, I agressivelty funded my TSP throughout my career at 80%C, 10%I and 10%S all the way up to my retirement. In retirement, I've switched to a 70% stock 30% bond portfolio, with a 3.5% withdrawal rate and my portfolio continues to grow to the point I have a concern of having too much in the TSP when I eventually reach my RMD age (having too much money introduces other problems). But I've never imagined having this much income in retirement and so glad I got to be a part of the FERs vice CSRS system.
Good to know , can one replace the Bond fund with having money in CD's earning 5% ?
3:00 can you talk more about this please? I had the same question about the dividends. It’s kind of confusing. In retirement could it make sense to take your money out of tsp and into a IRA to get dividend income in something like SCHD?
I recently allocated 20% of money already in plan to the S fund. The other 80% is C and future contributions are 100% C. I'm up 16% year to date so far.
I just go C fund now.
I go 75% C and 25% S, because in some years S outperforms C.
@@donaldkinsey5245 I have 75c and 25s for current but I also have 10c and 90s fund futures.
Can’t wait till I can roll my TSP over to a better platform. Not sure if I can do that at 59.5 or when I retire? C fund is the only real option. Wish I could invest in growth and dividends in the TSP.
You may move your TSP balance to IRA as soon as you leave federal service. There's also the TSP Mutual Fund Window but that's a horribly expensive option that's wise to avoid: $150 annual fees + $28.75 per trade.
i ride or die C fun 💯 %
i have 300k in the c fund is it a good move to alocate everything today to the g fund ,,, i still have 5yrs to retired
The g fund will never even keep up with inflation. The g fund makes less than 2 percent.
Have you always maxed your c fund each year? Just wondering how possible it really is for the tsp to make someone a millionaire in a 20 year career.
@@douglassmith9445 its all about mathematics
@@douglassmith9445i’ve talked about this with my co workers many times at usps, i have 17 years in and i dont feel like i have anywhere near what i need to retire, but i only do 10% of pay with matching
@@douglassmith9445 you should aim to meet the irs contribution limits. Put in as much as you can at a young age. I’m only using traditional tsp to get into the lower tax bracket, main account is Roth 100% C fund
This is the way.
60% C fund and 40% l2040 for me.
ILL MAKE THIS SIMPLE!
F fund= Fuk outta here fund
G fund= Garbage government fund
I fund= International bull shyt fund
S fund= Sometimes the smallcaps rise fund
C fund = Cash out at age 59 1/2 and C u on the beach fund.
I recommend 100% C fund to all my soldiers. I am a staff sergeant with 7 years in the Army and sitting at a 250k liquid net worth.
Edit: Once the nest egg is built up, MAYBE switch to bonds or L fund if you are worried about losing money at that point.