David here, brand new

General TSP Discussion.

Moderator: Aitrus

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BabaYaga
Posts: 3
Joined: Fri Dec 02, 2016 8:43 am

David here, brand new

Post by BabaYaga »

Just found this site from a coworker and looking to jump in. Lifecycle funds not doing as well as I had hoped.

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evilanne
Posts: 2067
Joined: Thu May 14, 2015 6:52 pm

Re: David here, brand new

Post by evilanne »

Welcome & Happy Investing! There is a lot of info on the site....lots of different opinions and methods of investing. Good luck :D

Scorpio70
Posts: 432
Joined: Thu Dec 24, 2015 11:49 am

Re: David here, brand new

Post by Scorpio70 »

Yeah, I am not sold on lifecycle funds. They try to set you up so you have all your exposure upfront in youth, and less risk in the later years. The problem I see is that markets are cyclical, and what happens if stocks are sold in a down cycle to keep to an arbitrary timeline? Personally, I see a lot of value in the seasonal plan. I tend to follow the troughs though.

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Aitrus
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Joined: Mon Aug 06, 2012 5:03 pm

Re: David here, brand new

Post by Aitrus »

Lifecycle funds are also too conservative for somebody early in their career, IMHO. However, it's better than leaving money in G or not investing at all.
Seasonal Musings 2022: viewtopic.php?f=14&t=19005
Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
"It's not what happens to you, but how you react to it that matters" Epictetus

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Fund Prices2024-03-27

FundPriceDayYTD
G $18.14 0.01% 1.00%
F $19.09 0.26% -0.68%
C $82.11 0.87% 10.42%
S $82.19 1.48% 6.61%
I $42.68 0.56% 6.21%
L2065 $16.38 0.84% 8.36%
L2060 $16.38 0.84% 8.36%
L2055 $16.39 0.84% 8.36%
L2050 $32.73 0.71% 6.94%
L2045 $14.91 0.67% 6.56%
L2040 $54.37 0.63% 6.20%
L2035 $14.34 0.58% 5.77%
L2030 $47.66 0.53% 5.35%
L2025 $13.14 0.31% 3.40%
Linc $25.60 0.24% 2.79%

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