### Need TSP Withdraw Help (Math Help)

Posted:

**Mon Sep 23, 2019 5:49 am**I am taking care of my mom's finances because she has Alzheimers.

Let's assume she has $200,000 in TSP. It is all in the G fund. She is taking the RMD.

I want to move $100,000 of that balance to C fund. I want to add a little risk to her overall portfolio to increase returns.

My thought was to not have the C fund portion touch for at least 5 years so that it can grow. However, TSP tells me the RMD must come from both the G and C fund (pro rata fashion).

It makes no sense to me to put the money in the C only to have some of it sold off.

My question is: Mathematically how will this forced method of distribution change things? Assume that the C fund rises 5% (or decreases 5%) and the G fund rises 2% over the same period. How can I figure this out? No, I am not good at math and that is why I am asking for help. Please don't challenge why I want to do this move. I might add that as a topic in another thread but for now I am looking at the math part of this problem.

Thanks!

Let's assume she has $200,000 in TSP. It is all in the G fund. She is taking the RMD.

I want to move $100,000 of that balance to C fund. I want to add a little risk to her overall portfolio to increase returns.

My thought was to not have the C fund portion touch for at least 5 years so that it can grow. However, TSP tells me the RMD must come from both the G and C fund (pro rata fashion).

It makes no sense to me to put the money in the C only to have some of it sold off.

My question is: Mathematically how will this forced method of distribution change things? Assume that the C fund rises 5% (or decreases 5%) and the G fund rises 2% over the same period. How can I figure this out? No, I am not good at math and that is why I am asking for help. Please don't challenge why I want to do this move. I might add that as a topic in another thread but for now I am looking at the math part of this problem.

Thanks!