Has anyone given up on the G Fund in favor of the less conservative F fund? G Fund Just is worthless anymore.. I'm at 73% G and the rest C with some S and F. Kills me to watch most of my money languishing. F seems reasonably safe and it really helped me during the covid crash.. I'm back about ten k positive since the highs pre covid.. I'm retired and will need to start taking some money next year
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flalaw97
Member
I think most people on this site look at the G fund as a safe place to put cash while waiting to move it into the market. The F fund long term has obviously had better returns than G but there is still risk of losing money. Your allocation about matches the L income (other than the lack of I fund). For comparison, the next most conservative life cycle fund (L2025) is set up
G Fund 43.84%F Fund 6.16%
C Fund 25.62%
S Fund 6.88%
I Fund 17.50%
I used the F fund during COVID (i.e. March) as well but don't think I am going to be back in F for a little until it starts looking up, but I am not as close to using the money as you (probably 3 to 5 more years for me). Good Luck!Getting close to retirement now, and am watching a lot of advice videos suggesting some split between stocks and bonds where the ratios vary with age. I'm not sure the TSP really has good "bond" options. I find the F fund really frustrating, in that what looks like a good day for bonds at 4 PM can change after 4 PM to a lesser increase (or even a loss). And G fund isn't even close to beating inflation. It would be better to have more bond options in TSP so your really could do a 60/40 or 50/50 split with stocks, but I guess to effectively get that you have to leave the TSP (which I'm loathe to do)....I'm considering keeping the stock portion of my portfolio in the C/S funds, and then move the bond portion out to Vanguard.
I had a friend retire who told me he kept his TSP open just to have access to the G fund. He has fond memories of big returns in G - I don't think we'll see that again in the near future anyway....
Back in the late 80's the "G" fund yearly average was 8% plus. Then in the early 90's the yearly percentage steadily dropped until the "G" fund barely make 2% a year.
James48843
Well-known member
Kb9nvh-
I think of the L-income as the “new low risk fund”. You MAY lose a little, but it’s not like you are going to lose 20 or 30% in one fell swoop, and, as you saw during the March pullback, it came back pretty good.
Birch always was bullish on “C”. After watching it for 40 years, I see why. I’m much more comfortable in the market now than when I started back 40 years ago. And whether it’s the C fund, or the bonds of the F fund, I think both will give you better returns over the next ten years than the G fund will.
That’s just me, but I’d encourage you to take as much risk as you are comfortable with, and then just a pinch more, because I am confident that In the long run, you will be better off.
Best of luck to you!
Sent from my iPhone using TSP Talk ForumsThis didn't age well.. Lol.
rangerray
Well-known member
Anyone thinking about taking a bigger position or do we wait to see? I jumped to G late october..missed the huge run up...plan was to get back in for the santa rally but having no president chosen yet kept me out. I need back in but dont want an immediate loss to have to make up.
DreamboatAnnie
Well-known member
I just exited the remaining 20% that I had in S fund. But looking at tracker, tons of people that have done better than me are still in it.
I am Out of IFTs, so I have no ability to re-enter until Feb. But I'm good with that to let the rising bearish wedge resolves itself. Will see how that goes...no way to truly tell what will happen.
Best wishes! :smile:
FAAM
Active member
I think FairWeatherMet Acct-Comments today are on the spot "Don't fight the Fed; with triple once-in-a-lifetime stuff happening at once...". Not that I've Jumped more into equities w/both feet - but I have waded more in over the last couple months, from up to my ankles, then to my knees, now to my waist (I'm quite conservative nowadays & afraid of quick bubble bursts). In this market it seems you just cannot wait for that optimal pull-back. Staying nimble. Good Luck.
DreamboatAnnie
Well-known member
If I had another IFT to enter later, I would consider full exit today or maybe tomorrow if I was in the Green! With Fed speak coming, no telling what happens Wednesday and even tomorrow some news might leak to insiders and affect market. But so far, indicators do look good on S fund and that is main reason I am staying in for now..but anything can happen!
I might pocket some gains if tomorrow is up... don't want to walk away empty handed for March.
You could point at a few different headlines as the trigger but a bit deeper you have low volume to kick the market around more easily, and high anticipation for the Fed Minutes tomorrow. Investors will be very sensitive to any inflation and rate hike comments good or bad tomorrow and I think the late action today was a bit repositioning ahead of a potentially big day.Similar threads
