Search found 10 matches

by Gelsomina
Tue Aug 20, 2019 5:47 pm
Forum: Personal Investments
Topic: Advice for asset allocation for IRA funds with 5 year withdrawal timeframe
Replies: 2
Views: 804

Advice for asset allocation for IRA funds with 5 year withdrawal timeframe

Hi there, I'm a federal employee retiring in about 2.5 years at age 57 with 31 years of service. I've developed a retirement plan with 6 main sources of retirement income (ret inc) that I'm going to withdraw from during different time periods (age 57 to 99/death): 1. FERS (pension): age 57-99, 51%-4...
by Gelsomina
Thu Dec 06, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: TSP Lifecycle funds getting less conservative
Replies: 17
Views: 3160

Re: TSP Lifecycle funds getting less conservative

Thanks everyone for the great feedback. Good to hear about not worrying about fine-tuning allocations below the whole percent. I'm happy I've learned enough by studying the TSP and Vanguard to be able to use a personally-developed glide path.
:) Gelsomina
by Gelsomina
Fri Nov 30, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: TSP Lifecycle funds getting less conservative
Replies: 17
Views: 3160

Re: TSP Lifecycle funds getting less conservative

Deskjockey, I totally understand your point of view. But I still do like Lifecycle Funds because they keep me from messing around unless they make changes. I just check for changes in the glide paths every quarter (hence my spreadsheets with allocation percentages). I can easily tweek my own combina...
by Gelsomina
Fri Nov 30, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: TSP Lifecycle funds getting less conservative
Replies: 17
Views: 3160

Re: TSP Lifecycle funds getting less conservative

That's part of the problem with the TSP Board, we don't get much in way of details out of them. You can hunt down info on their Board's website at https://www.frtib.gov , but even after reading all of the board meeting minutes all I could find was mention November 2017 of the proposal to move the I ...
by Gelsomina
Fri Nov 30, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: TSP Lifecycle funds getting less conservative
Replies: 17
Views: 3160

Re: TSP Lifecycle funds getting less conservative

I've been tracking the details on the L Fund allocations/glide paths for a long time and prior to the announcement of the glide path changes. It was tedious but I collected the quarterly allocations in the L2030, L2020, and L Income into a spreadsheet because I wasn't happy with the L2020 glide path...
by Gelsomina
Tue Oct 16, 2018 8:58 pm
Forum: Personal Investments
Topic: Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?
Replies: 6
Views: 1417

Re: Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?

Thank you everyone for your inputs! I forgot to post back, but for now I've decided to manage my retirement on my own. I will be taking all of your sage advice.
:) Gelsomina
by Gelsomina
Sat Sep 29, 2018 2:15 am
Forum: Personal Investments
Topic: Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?
Replies: 6
Views: 1417

Re: Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?

The other thing he said was I really should be investing in a Roth. I'm only 3.5 years from retirement, moving to a lower cost of living areas will be living on lower income than my current salary. Maybe I should have done Roth before, but why would I under these current and future circumstances?
by Gelsomina
Sat Sep 29, 2018 2:11 am
Forum: Personal Investments
Topic: Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?
Replies: 6
Views: 1417

Help! Federal Employee Financial advisors?? FFEBA? ChFEBC?

Hi everyone, I'm a federal employee just a few years away from retiring and have invested in the TSP pretty solidly, as well as a little Vanguard Target date index fund rollover IRA from my pre-govt days. I'm careful with my money, have no debt, but I'm worried because I've never received trustworth...
by Gelsomina
Thu Mar 23, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: TSP, G Fund and the Debt Ceiling
Replies: 8
Views: 1980

Re: TSP, G Fund and the Debt Ceiling

I understand that the G Fund has always been made whole in the past, but is there a 100% guarantee (meaning, a law that cannot be change or some other mechanism) it will be made whole in the future? Really don't want to get into a political discussion, but is there any way that congress, the preside...
by Gelsomina
Mon Mar 06, 2017 6:05 pm
Forum: Personal Investments
Topic: How long does a Vanguard fund exchange take to execute?
Replies: 3
Views: 8634

How long does a Vanguard fund exchange take to execute?

Hi there, I'm new to the forum and wish I'd found Vanguard, Bogleheads, and this forum sooner! I've read up on asset allocation in Target Funds, and decided to adjust my asset allocation. Last Friday I requested to exchange 100% of my Vanguard TR 2030 shares for TR 2025 shares. It was in the afterno...