I Funds question

[dragonsoldier]

I am currently evaluating where to move my G funds to, should I move them to I funds or to the L2040 Funds?
Any help would be great. I have had them in G for the last 3 years.
Thanks

 

[Robo5555]

I am currently evaluating where to move my G funds to, should I move them to I funds or to the L2040 Funds?
Any help would be great. I have had them in G for the last 3 years.
Thanks

When do you retire and how aggresive or conservative you want to be would answer ur question. I suggest you start with Longer-term Market Commentary for your first move. After that start reading all you can on this site for a while....ask all the ??? u want....there's a great group of people here that are more than willing to help with a ton of experience investing. Good luck!

 

[Show-me]

Three years in the G fund, you do need to move out of that to make money. Like Robo5555 said your individual situation will determine you ability for risk. Like if your a young person you have more time to take on more risk. If you are close to retirement you want to protect you retirement by investing in low risk funds.

If you are younger a mix of stock in a buy and hold method would be best if you are still learning. Following the top return folks works too, but you have to commit to being active every single day.

Welcome to the mb and good luck.

 

[Birchtree]

For military on the move you'd be reasonably safe with 75% C fund and 25% I fund - be right and sit tight. This allocation will allow you to participate in the ongoing bull market without stress.

 

[tspforretirement]

Hi dragonsoldier,


You asked the question about where to put the monies you have in the TSP.

As stated in all the previous people who’ve replied it will depend on your risk tolerance, and how long you expect to keep it invested.

Generally, if you have a high-risk tolerance and many years (read decades) where you will not need to touch the monies, I would say investing in any of the stock funds is a good investment, but this takes discipline.

But, if you have any aversion to losing your monies, you may want to stay away from the stock funds. Depending on how much you have put into TSP, you can experience fluctuations of hundreds to possible thousands of dollars each day (gain and loss) in the stock funds.

You mentioned the L funds, I will not get into the L funds but do recommend that you read the information on how monies are dispersed from the TSP website.

The following are links that I hope can assist you:

The Security Exchange Commission has a lot of information for investors:
http://www.sec.gov/investor.shtml

Not many people know of this one, but the US Government has a wealth of information, too:
http://www.mymoney.gov/

And, of course, you know the TSP website, to read-up on the L funds:
http://www.tsp.gov

Lastly, to answer the question, “What type of investor am I?” There are many websites on the internet that offer advice. Just do a search and you’ll be inundated. The following links maybe of interest:

http://www.usaaedfoundation.org/financial/index.asp
https://www.wellsfargo.com/investing/basics/stocks_bonds_mf


NOTE: I do not recommend or not-recommend any links provided, but, to show that the information is accessible and free.


Hooah!

 

[Rod]

Until you understand all the intricacies involved with the (I) Fund, you will not want to blindly play it. But, you have definitely wasted precious earnings by remaining in (G) for the past 3 years. There are times to be in (G), but it's not a good idea to remain in it longer than a year... even during a market crash.

Play an (L) fund IAW your target retirement until you understand ALL funds.

Hope this helps!

God Bless