Federal worker/retiree stats

[Mick St John]

Originally Posted by GreenGene

My TSP allocation is 2/3 in L2040 and 1/3 in the F fund .... although sometime after Labor Day, that 1/3 will be going into the S fund. And I'm already retired! But since I won't be drawing on the TSP money until I have to (age 70 1/2, about 13 years from now), I don't see any reason not to have some (actually, most) of my TSP money in stocks. I suspect that even when I start to withdraw the money, I'll have some percentage in stocks.

Yes, drawing the money later gives you some more flexibility. I'm probably going to hold off for awhile too. G fund is a personal choice. Certainly lower returns. But I sleep easier.

[NewToCA]

Originally Posted by Mick St John

Yes, drawing the money later gives you some more flexibility. I'm probably going to hold off for awhile too. G fund is a personal choice. Certainly lower returns. But I sleep easier.

The last part of your statement is a key. Everyone has their own investor and risk temperament, and you need to factor this in when making TSP decisions. For folks who feel like you do, this was absolutely the right approach.

Nobody should ever get sick about their money.

[GreenGene]

Originally Posted by Mick St John

Yes, drawing the money later gives you some more flexibility. I'm probably going to hold off for awhile too. G fund is a personal choice. Certainly lower returns. But I sleep easier.

I hear that! My wife (also CSRS retiree) has always contributed solely to the G fund. It's her money, and her choice, and I think if she had it in any of the other funds, she'd worry.

Hey, it's great to have really good choices. To each his own.