i have 5k invested in to my TSP with 1 year TIS
I currently have a 80% C fund to 20% S fund ratio.
I saw that the S fund is down .10% in the month of june. should i keep investing 20% into the S fund or would it be more effective to go 20% into the L2065. Another option i’m thinking is 100% C fund. i’ve heard it’s not good to keep all my eggs in one basket but the C fund seems to have a average 10% tate of return for the last couple years. please leave insight
Posted by MolassesPast3781
5 Comments
Don’t look at this week then. It’s all gonna be down. Just forget about it And look at it in 19 years
What a fund does one month is totally irrelevant. You’re invested for 20-70 years.
The C Fund isn’t “all your eggs in one basket” because it’s invested in 500 of the largest US companies.
Your current allocation is fine. 100% C is fine. 100% L2065 is fine. We can’t really predict which of those will turn out to be have the highest return for your personal situation. The L2065 is the most diversified and therefore the least risky. 100% C is the least diversified and therefore the most risky. In general, more risky equals the possibility of higher return but also the possibility of a lower return.
You’re overthinking this based on a bad week for the entire stock market. Pick a plan and stick to it.
Stop looking. Keep investing. Up the percentage every chance you get until you’re maxing it. In 20 years you can look again.
This is a perfect candidate for a lifecycle fund, but the “geniuses” here won’t agree with me