Should I have more diversity

THE THRIFT SAVINGS PLAN ALLOCATION GUIDE Forums Message Board Should I have more diversity

This topic contains 1 reply, has 2 voices, and was last updated by  TS Paul 1 year, 5 months ago.

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  • #30249

    bernman55
    Participant

    I am 61 recently retired for six months and have about 235k, in the L fund, should I diversify my money more to benefit a greater return. Have a relatively good cash flow at the moment. But we aren’t seeing the returns that other funds are getting.

    #30254

    TS Paul
    Keymaster

    That completely depends on how soon you plan to use that money and your tolerance for a downturn which could take 25% of it away.

    If you are in the L Fund for your year of retirement, you will see virtually no capital appreciation. That can be hard to swallow when other funds are up 20% this year.

    I wrote in a lot more detail about my plans as I near and enter retirement in the FAQs: http://www.tspallocation.com/faq/#number4

    The TSP Allocation Guide www.TSPallocation.com

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