Best spot for bond fund

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Tatupu
Posts: 38
Joined: Fri Aug 10, 2007 1:17 pm

Best spot for bond fund

Post by Tatupu »

All --

I'm struggling with keeping up my bond allocation to maintain my desired overall asset allocation. 100% of my TSP contributions go into the G fund but it isn't enough to get me to the percentage I'd like to be at.

In addition to the TSP, new money regularly goes into a taxable account (mostly Total Stock Market and and an International fund), and an annual contribution to his/her Roth funds.

In order to increase my bond percentage, would I be better off exchanging some Total Stock Market from my Roth IRA or Rollover IRA into a bond fund, transferring funds from my stock holdings in the TSP to the G fund, or buying a bond fund in my taxable account?

Thanks,
Tatupu
livesoft
Posts: 74504
Joined: Thu Mar 01, 2007 8:00 pm

Post by livesoft »

I'd start by transferring stock holdings in TSP into the G fund. Your TSP could evolve to 100% G fund.

If that didn't get you to your desired percentage of fixed income, then I would use the rollover IRA for fixed income until it was 100% fixed income as well.

If that didn't get you to your desired percentage of fixed income, then I would use the Roth IRAs for fixed income until they were 100% fixed income as well.

If that didn't get you to your desired percentage of fixed income, then I would use the taxable account for fixed income as well. You would have to decide on munis or not depending on your tax situation.
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