Retired and new to the forum

[Gizmo1]

Hello all, I just retired after 17 years with the FAA and TSA. I am new to TSA Talk. I decided to keep my retirement money in the TSP. I have done pretty well in just 16.5 short years and I am presently invested 75% in the G fund, 10% S Fund, 10% C and 5% in the I fund. Of course I just lost a few bucks last week. For you experts out there am I too aggresive, too conservative or just about right??

Thanks for your advice.

 

[JTH]

Welcome

I'd give you some great advise, but I'm on a roll in the down hill direction

 

[rokid]

...I am presently invested 75% in the G fund, 10% S Fund, 10% C and 5% in the I fund. Of course I just lost a few bucks last week. For you experts out there am I too aggresive, too conservative or just about right??

Your allocation is pretty conservative. However, your optimal allocation depends on your need to take risk, e.g. income requirements, longevity, and desire to leave a legacy, and your ability to take risk.

Since you shouldn't take on more risk than that required to meet you goals, try running the Monte Carlo simulation at Firecalc to see if your allocation will serve your long term needs.

http://www.firecalc.com/firecalc.php

Good luck.-----Jim

 

[nnuut]

Welcome to the Board Gizmo1!!
Norman

 

[Gizmo1]

Thanks Jim, I'll give it a try

 

[tsptalk]

I am new to TSA Talk. I decided to keep my retirement money in the TSP.

Welcome Gizmo1! Are you sure you have the right place? TSA Talk is down the road a bit.

 

[Spaf]

Hi Gizmo1!

I'm retired too! But also a trader!
My general allocation is 60% safe (G-F) and 40% equities (C-S-I). I adjust these by how the funds are doing. I may up the bet in a good trend. Or I may run to the lilly pad (all G).
This general allocation is about half way inbetween L-2010 and L-Income.

Hello all, I just retired after 17 years with the FAA and TSA. I am new to TSA Talk. I decided to keep my retirement money in the TSP. I have done pretty well in just 16.5 short years and I am presently invested 75% in the G fund, 10% S Fund, 10% C and 5% in the I fund. Of course I just lost a few bucks last week. For you experts out there am I too aggresive, too conservative or just about right??

Thanks for your advice.

 

[MohammadXX]

Since I'm retired, I have more time to pay attention to my TSP account. I think I'm doing a little better for that reason.

 

[BeaverState]

I am presently invested 75% in the G fund, 10% S Fund, 10% C and 5% in the I fund. Of course I just lost a few bucks last week. For you experts out there am I too aggresive, too conservative or just about right??

Thanks for your advice.

You're pretty much in line with the L-Income fund. Something to keep in mind is the bond funds most likely returned much higher in the past then they will in the forseeable future. This is because inflation was much higher then.

 

[Birchtree]

MohammadXX,

If over time you find your retirement fiduciary account (TSP) to be too slow or not pulsating enough, you might consider individual stocks. It's a whole different flavor. I mean instead of dealing primarily in $0.25 vascillations you get exposure to $2-$3 changes - both up and down. It's good for the heart to keep the adrenalin pumping. I plan to start pistol shooting my TSP tugboat and drill my way into prosperity. GL.

Dennis - permabull #1

 

[MohammadXX]

MohammadXX,

If over time you find your retirement fiduciary account (TSP) to be too slow or not pulsating enough, you might consider individual stocks. It's a whole different flavor. I mean instead of dealing primarily in $0.25 vascillations you get exposure to $2-$3 changes - both up and down. It's good for the heart to keep the adrenalin pumping. I plan to start pistol shooting my TSP tugboat and drill my way into prosperity. GL.

Dennis - permabull #1

Dennis,
I'll have to do that vicariously. Financial restraints limit me to my TSP account. When I need an adrenaline spike, I wait for the occasional wink from the wife.

 

[SCHAGAN]

When I need an adrenaline spike, I wait for the occasional wink from the wife.

LOL :laugh::laugh::laugh:

 

[Zebra]

Welcome aboard

 

[nnuut]

Don't think I welcomed you to the Board? Welcome!!!! Best of luck Zebra!
Norman