@@RoBFDiY Since he didn’t answer, I’ve been 100% in the C Fund since about 1990 and just hit $3.3 million. That balance is with no contributions since 2015 when I retired and taking out $54K/ yr the last five years. I had a retirement gig with a few contracts a year and $200K in cash and so I figured I could ride out any downturn. This is why I stayed in the C fund. Some advisers call it the land of ‘Critical Mass’
The Board has raised the expense ratios since this video came out. That makes prioritizing an HSA and IRA before going beyond the employee match in tsp more important. It also makes tsp less viable to hold onto once one is actually retired.
Im going to basic in May and starting at an E4 and know from my parents how powerful this can be (both life long DoD veterans and civilian workers) wish me luck!
Why not invest 75% in the C fund and 25% in S fund for your equities amount? This would mimic the Total U.S. Stock market and doing that will outperform 80% of professional advisors over long periods. It also provides diversification within the equity class. For the Fixed income amount: consider: 90% F fund and 10% G Fund. Stay the Course-rebalance. Do not SELL when the market drops.
You can withdraw money from your TSP or company 401k if you are over 55 and retired without a penalty. If you are not retired you have to wait until you are 59 1/2.
If I had it to do all over I would do 90% C 10% S or 80% C 20% S. I’ve been doing 80% C 10% S 10% I. I funds gave not done so well at least not in the TSP compared to the C and S. In the market that I believe we are headed into it might be just as well to do 100% C and forget about it especially if you are young investor. I’m at the point now where I’m going to need to start pulling some over to G funds to create a cash bucket for my upcoming retirement. I’m think in retirement of doing 80% C and 20% G. I know this sounds crazy but with a pension along with TSP it seems to make sense to me.
Every so often the S outperforms the C fund. Just look at November 2024. That's why I invest in the S fund. But I only invest in the S fund when it is lower than the C. I build up shares and keep buying S until that widow opens up and the S fund soars. And then when the S fund price is a few dollars more than the C fund I sell all S and buy all C. And then inevitably the C fund will take its normal position and I sit and wait and do it all over again. It's not very risky because the cycle of S outperforming C always happens every couple of years. And I have quite a few years left before I retire.
I'm about ready to retire in the next 2 years and I have a little over a hundred thousand dollars in my tsp account I'm turning 65 this year what do you think would be the best fun to put my money into for the next 2 years to maximize it's growth?
Contribute $31,000 to TSP this year and another $31,000 next year. Contribute $8,000 to your 2024 Roth IRA, $8,000 to 2025 Roth IRA, $8,000 to 2026 Roth IRA.
Unless someone is over 55, C fund should be at least 50% of every TSP account holder's portfolio. I have something like 8-10% I fund, about 20% S fund...but nothing beats the C fund!
Outstanding!!! I’m guessing you were all in C Fund or C/S Funds. I’ve been 100% C Fund for about 34 years and hit $3.9 million earlier this year. With my pension and SS and an emergency fund to weather a few year market downturn, I’m basically bulletproof. I would recommend checking with a fee only financial advisor to see the best way to avoid taxes when Required Minimum Distributions kick in when you’re 75.
I’ve been telling all of my coworkers for years that 50% C and S is your best strategy until you turn 50. Then reevaluate and adjust accordingly. Now that we have the mutual fund window i have found a couple of mutual funds that im investing in for the longterm and will greatly outperform the C and S.
If I had taken your advice years ago (10 to be exact) I would have about $200K less in my TSP. People, stick with the C Fund and stop trying to time the market trends.
IMHO, the retirement date funds have a dismal return and instead you should be 100% in the C Fund or C/S Funds until you’re 55 and then reevaluate your situation. You may find you have grown your portfolio/emergency funds so much that you can stay 100% in the C Fund into retirement. That’s what I found and at 64 my C Fund is at $3.7 million.
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Im 52 AND ALWAYS INVESTED IN the C fund I hit 1.5 mil this year. C fund is a no brainer
You have to do a gut check when the markets are down, but recoveries are great in the C fund.
That great!!Can I ask how long you have been in C and what %
@@RoBFDiY Since he didn’t answer, I’ve been 100% in the C Fund since about 1990 and just hit $3.3 million. That balance is with no contributions since 2015 when I retired and taking out $54K/ yr the last five years. I had a retirement gig with a few contracts a year and $200K in cash and so I figured I could ride out any downturn. This is why I stayed in the C fund. Some advisers call it the land of ‘Critical Mass’
I’ve been 100% in C Fund since about 1990. The big market downturns were certainly upsetting, but the market has always come back.
encouraging to hear! Thx 👍🏽
I was totally new in the Federal Service with no idea about retirement, I did the 80%-10-10 Dave Rampseys, it was the best decision....
What is 80:10:10?
@@pamelar.edwards2617 80% in C- Fund...10% S-Fund...10% I-Fund...
C (S&P 500)..S(Dow Jones)...I(Foreign Markets)...
Thank you. I’m active duty been in 6 years with on $6 in my account, I had no clue on how to invest my portfolio, this video is so informative!!!
If you're in BRS and contribute 5% of income you will receive 5% TSP match essentially doubling your TSP balance.
Would you recommend holding the course with 80:10:10 for people over 50? Got 7 years to go
The Board has raised the expense ratios since this video came out. That makes prioritizing an HSA and IRA before going beyond the employee match in tsp more important. It also makes tsp less viable to hold onto once one is actually retired.
Im going to basic in May and starting at an E4 and know from my parents how powerful this can be (both life long DoD veterans and civilian workers) wish me luck!
🍀contribute as much as your income and budget allows and most likely in Roth TSP.
Why not invest 75% in the C fund and 25% in S fund for your equities amount? This would mimic the Total U.S. Stock market and doing that will outperform 80% of professional advisors over long periods. It also provides diversification within the equity class. For the Fixed income amount: consider: 90% F fund and 10% G Fund. Stay the Course-rebalance. Do not SELL when the market drops.
You can withdraw money from your TSP or company 401k if you are over 55 and retired without a penalty. If you are not retired you have to wait until you are 59 1/2.
Any advice on tax friendly strategies when you retire and want to parlay the tsp into income generating investments?
I have 75% in C fund, and 15% in S and I fund.
If I had it to do all over I would do 90% C 10% S or 80% C 20% S. I’ve been doing 80% C 10% S 10% I. I funds gave not done so well at least not in the TSP compared to the C and S. In the market that I believe we are headed into it might be just as well to do 100% C and forget about it especially if you are young investor. I’m at the point now where I’m going to need to start pulling some over to G funds to create a cash bucket for my upcoming retirement. I’m think in retirement of doing 80% C and 20% G. I know this sounds crazy but with a pension along with TSP it seems to make sense to me.
Every so often the S outperforms the C fund. Just look at November 2024. That's why I invest in the S fund. But I only invest in the S fund when it is lower than the C. I build up shares and keep buying S until that widow opens up and the S fund soars. And then when the S fund price is a few dollars more than the C fund I sell all S and buy all C. And then inevitably the C fund will take its normal position and I sit and wait and do it all over again. It's not very risky because the cycle of S outperforming C always happens every couple of years. And I have quite a few years left before I retire.
I'm at 40%C, 40%S, and 20%G
In doing 45% C fund, 45% S fund and 10% I fund.
Nice!
I'm about ready to retire in the next 2 years and I have a little over a hundred thousand dollars in my tsp account I'm turning 65 this year what do you think would be the best fun to put my money into for the next 2 years to maximize it's growth?
Contribute $31,000 to TSP this year and another $31,000 next year. Contribute $8,000 to your 2024 Roth IRA, $8,000 to 2025 Roth IRA, $8,000 to 2026 Roth IRA.
Unless someone is over 55, C fund should be at least 50% of every TSP account holder's portfolio. I have something like 8-10% I fund, about 20% S fund...but nothing beats the C fund!
Look up the rule of 55. If you left service, you can withdraw at 55.
My daughters TSP only has A, B, C, D funds. What do the refer to?
TSP has C S I F G and Life Cycle Funds which are comprised of first 5.
C Fund!!
I hit$1M at 20 years service
Outstanding!!! I’m guessing you were all in C Fund or C/S Funds. I’ve been 100% C Fund for about 34 years and hit $3.9 million earlier this year. With my pension and SS and an emergency fund to weather a few year market downturn, I’m basically bulletproof. I would recommend checking with a fee only financial advisor to see the best way to avoid taxes when Required Minimum Distributions kick in when you’re 75.
🔥🔥🔥
I’ve been telling all of my coworkers for years that 50% C and S is your best strategy until you turn 50. Then reevaluate and adjust accordingly. Now that we have the mutual fund window i have found a couple of mutual funds that im investing in for the longterm and will greatly outperform the C and S.
Which ones?
@@FIREPsyChat UOPIX AND BTCFX.
@@FIREPsyChat Did you check them out? Any thoughts?
I did but the expense ratios and fees just don’t make sense to me. I’d love to know how those funds perform by the end of the year though
If I had taken your advice years ago (10 to be exact) I would have about $200K less in my TSP. People, stick with the C Fund and stop trying to time the market trends.
4-30-23 Heard from others they are not even seeing the fees is this true
If I turn 60 in 2048 should I be in L-2045 or L-2050?
@@Indyman4288 2050
IMHO, the retirement date funds have a dismal return and instead you should be 100% in the C Fund or C/S Funds until you’re 55 and then reevaluate your situation. You may find you have grown your portfolio/emergency funds so much that you can stay 100% in the C Fund into retirement. That’s what I found and at 64 my C Fund is at $3.7 million.