Why didn't I look for this site decades ago?
Moderator: Aitrus
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- Posts: 26
- Joined: Mon Mar 02, 2020 11:09 am
Why didn't I look for this site decades ago?
Hi there,
I've been investing the maximum percent for maybe 25 years. In the beginning I parked it 100% in C and paid no mind. At some point in the years after the 2008 horror I diversified to 40/20/20/20 - C/S/I/G. I don't even know when I did that. I was working part time while I raised my children. In 2020 I'm now an empty-nester and returned to full time employment to pay the college bills. I'm surprised how much money I have in my TSP- more than I think I ever really expected.
I feel like the stock market is overvalued but I haven't done anything because I don't know what to do. I'm not retiring in the next decade so I don't want to be in G. I've never invested in F because I don't understand it. I am hoping to learn from the folks on this site what if anything I should do differently from here out.
I don't have any special economics skills and I never managed to pass beyond pre-calc so my contributions will just be my own brand of common sense as I see it.
I've been investing the maximum percent for maybe 25 years. In the beginning I parked it 100% in C and paid no mind. At some point in the years after the 2008 horror I diversified to 40/20/20/20 - C/S/I/G. I don't even know when I did that. I was working part time while I raised my children. In 2020 I'm now an empty-nester and returned to full time employment to pay the college bills. I'm surprised how much money I have in my TSP- more than I think I ever really expected.
I feel like the stock market is overvalued but I haven't done anything because I don't know what to do. I'm not retiring in the next decade so I don't want to be in G. I've never invested in F because I don't understand it. I am hoping to learn from the folks on this site what if anything I should do differently from here out.
I don't have any special economics skills and I never managed to pass beyond pre-calc so my contributions will just be my own brand of common sense as I see it.
Re: Why didn't I look for this site decades ago?
Welcome!
Feel free to ask your questions. There's a lot of very knowledgeable folks here, so you're sure to get good answers on any retirement / TSP topic you can likely imagine. Just don't feed the trolls that show up from time to time.
Feel free to ask your questions. There's a lot of very knowledgeable folks here, so you're sure to get good answers on any retirement / TSP topic you can likely imagine. Just don't feed the trolls that show up from time to time.
Seasonal Musings 2022: viewtopic.php?f=14&t=19005
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Recommended Reading: http://tspcenter.com/forums/viewtopic.php?f=14&t=13474
Support the site by purchasing a membership at TSPCalc! https://tspcalc.com
- jlozano042
- Posts: 836
- Joined: Tue Apr 04, 2017 12:37 pm
Re: Why didn't I look for this site decades ago?
Welcome aboard soccermoth. Don't worry about about what you can/can't contribute as we ALL contribute in some way. Me? I just post stupid pictures and gifs .... because it's funny I guess.
You got about a decade to go before retirement ... same as me ... and I'm all in 45C/45S/10I until I get a year or two before I pull the plug. But that's me.
You got about a decade to go before retirement ... same as me ... and I'm all in 45C/45S/10I until I get a year or two before I pull the plug. But that's me.
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- Posts: 334
- Joined: Fri Jan 11, 2013 9:28 am
Re: Why didn't I look for this site decades ago?
Hi soccormoth, Welcome! I recommend starting with the recommended reading in Aitrus' signature block. Really valuable.Aitrus wrote:Welcome!
Feel free to ask your questions. There's a lot of very knowledgeable folks here, so you're sure to get good answers on any retirement / TSP topic you can likely imagine. Just don't feed the trolls that show up from time to time.
Re: Why didn't I look for this site decades ago?
I can post stupid-ER picturesjlozano042 wrote:....Me? I just post stupid pictures and gifs .... because it's funny.....
That's me above
Anger and intolerance are the enemies of correct understanding.
― Mahatma Gandhi
If it's a choice between a difficult truth and a simple lie, people will take the lie every time. Even if it kills them.
― Paul Murray
― Mahatma Gandhi
If it's a choice between a difficult truth and a simple lie, people will take the lie every time. Even if it kills them.
― Paul Murray
- jlozano042
- Posts: 836
- Joined: Tue Apr 04, 2017 12:37 pm
Re: Why didn't I look for this site decades ago?
Jesus bloobs .... almost gave me a heart attack. At first glance I thought that dude had a beer bottle in his mouth.bloobs wrote:
That's me above
Re: Why didn't I look for this site decades ago?
Welcome to the forum! There is a great deal of information in the different threads. If you have questions, don't be afraid to ask. Common sense is always welcomesoccermoth wrote:Hi there,
I've been investing the maximum percent for maybe 25 years. In the beginning I parked it 100% in C and paid no mind. At some point in the years after the 2008 horror I diversified to 40/20/20/20 - C/S/I/G. I don't even know when I did that. I was working part time while I raised my children. In 2020 I'm now an empty-nester and returned to full time employment to pay the college bills. I'm surprised how much money I have in my TSP- more than I think I ever really expected.
I feel like the stock market is overvalued but I haven't done anything because I don't know what to do. I'm not retiring in the next decade so I don't want to be in G. I've never invested in F because I don't understand it. I am hoping to learn from the folks on this site what if anything I should do differently from here out.
I don't have any special economics skills and I never managed to pass beyond pre-calc so my contributions will just be my own brand of common sense as I see it.
Fund Prices2024-05-13
Fund | Price | Day | YTD |
G | $18.25 | 0.04% | 1.58% |
F | $18.88 | 0.11% | -1.77% |
C | $81.80 | -0.02% | 10.00% |
S | $80.29 | 0.05% | 4.15% |
I | $42.83 | 0.10% | 6.58% |
L2065 | $16.32 | 0.03% | 7.94% |
L2060 | $16.32 | 0.03% | 7.95% |
L2055 | $16.32 | 0.03% | 7.95% |
L2050 | $32.63 | 0.04% | 6.60% |
L2045 | $14.87 | 0.04% | 6.27% |
L2040 | $54.26 | 0.04% | 5.98% |
L2035 | $14.32 | 0.04% | 5.62% |
L2030 | $47.62 | 0.04% | 5.28% |
L2025 | $13.17 | 0.04% | 3.59% |
Linc | $25.67 | 0.04% | 3.05% |