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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

@Hansel551

5 ай бұрын

You have to do a gut check when the markets are down, but recoveries are great in the C fund.

@user-lm3bp6gu5p

5 ай бұрын

That great!!Can I ask how long you have been in C and what %

@glasshalffull2930

3 ай бұрын

@@user-lm3bp6gu5p 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’

@glasshalffull2930

2 ай бұрын

I’ve been 100% in C Fund since about 1990. The big market downturns were certainly upsetting, but the market has always come back.

@sheritaa3032

26 күн бұрын

encouraging to hear! Thx 👍🏽

Would you recommend holding the course with 80:10:10 for people over 50? Got 7 years to go

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....

@pamelar.edwards2617

2 ай бұрын

What is 80:10:10?

@AB-mx9lx

2 ай бұрын

@@pamelar.edwards2617 80% in C- Fund...10% S-Fund...10% I-Fund... C (S&P 500)..S(Dow Jones)...I(Foreign Markets)...

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.

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.

Any advice on tax friendly strategies when you retire and want to parlay the tsp into income generating investments?

I'm at 40%C, 40%S, and 20%G

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!!!

@alrocky

28 күн бұрын

If you're in BRS and contribute 5% of income you will receive 5% TSP match essentially doubling your TSP balance.

🔥🔥🔥

I have 75% in C fund, and 15% in S and I fund.

Look up the rule of 55. If you left service, you can withdraw at 55.

In doing 45% C fund, 45% S fund and 10% I fund.

@FIREPsyChat

Жыл бұрын

Nice!

My daughters TSP only has A, B, C, D funds. What do the refer to?

@alrocky

Жыл бұрын

TSP has C S I F G and Life Cycle Funds which are comprised of first 5.

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.

@FIREPsyChat

Жыл бұрын

Which ones?

@SSgtBigSwole

Жыл бұрын

@@FIREPsyChat UOPIX AND BTCFX.

@SSgtBigSwole

Жыл бұрын

@@FIREPsyChat Did you check them out? Any thoughts?

@FIREPsyChat

Жыл бұрын

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

@glasshalffull2930

3 ай бұрын

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