What’s Your Strategy for TSP?

Whisper

Hey fellow feds! With all the changes in the economy lately, I’ve been rethinking my allocations. Are you sticking with the tried-and-true G Fund for safety, or are you diving into the C, S, or I Funds for more growth potential? Maybe you’re all about those Lifecycle Funds? 😄I’m curious to hear your strategies! How often do you check your TSP? Have you made any big moves recently, or are you riding out the market waves? Also, any tips for newer feds just starting their TSP journey?

Karl

Whisper I just keep everything in C/S and buy all the dips. Don’t worry about moving the portfolio until I get close to retirement. I only contribute a little above the agency matching that way I can live comfortably in the present with my family.
I don’t understand those that keep moving the portfolio back and forth. It takes time for the TSP Agency to make the changes and I’ve seen many lose out doing it that way.
Set it and forget it till later.
But, make sure you set it correctly first!

Whisper

You do a 50/50 split?
I thought I was in the wrong because there are people at work that “day trade” their TSP and swear they’re winning. But I see them stressing 😂

Karl

Whisper You do a 50/50 split?

Yes!

And yeah, I think ppl that do that are losers. You have better results in Robinhood maybe.

Ghost

Pump into SP 500 and Dump.

Karl

Ghost Basically fool proof right now with current market prospects. But I understand if people are skeptical with that.

Ghost

I really don’t understand the skepticism, unless people actually think that you have to day trade on every stock portfolio. Like mentioned, this isn’t Robin Hood. Those people are stressing and losing more than they realize.