Tsp investing complaints

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God help us. This interfund transfer limit is kind of a lame and needs to go away. They totally effed it up big time. It will not make financial sense for most people to invest in mutual funds in the TSP. The fees are absurdly, almost criminally high.

If you want mutual fund exposure, it makes a lot more sense to max IRA contributions each year at a company like Vanguard, Fidelity or Charles Schwab. There are no fees for investing in their mutual funds, and their expense ratios are the lowest you can get. Not to despair, just keep investing in the traditional TSP lettered funds and ignore this botched up mutual fund window idea. Disclaimer: If the TSP decides to sponsor this youtube channel once I blow up and go viral, I will have to delete this video, make a new video supporting their high fees, and find a way to live with myself.

Onto another juicy topic… The TSP is raising its expenses on its traditional lettered funds. So how much are expenses going up? Let me tell you. Up until recently, the TSP expense ratio was about. This is relatively low, but not super low. Is that a lot? So C fund at the TSP is about. We are talking about less than one tenth of one percent. But the difference over a lifetime with TSP vs. That might seem like alot, but your account should have a mil or 2 by the time you retire, so a few thousand dollars is small potatoes.

Verdict: this change is nothing to worry about. Onto the next change — Raised contribution limit This happens every few years. If you are curious, I wrote an article about this how to invest in this portfolio: He explains that most notably what is missing from the TSP funds is value funds, which is a key component of his strategy to boost typical index fund returns. He does make specific recommendations for TSP owners using what is available to us.

He has 3 separate TSP allocation recommendations based on your risk tolerance: conservative, moderate or aggressive. With the aggressive portfolio, the entire amount is invested this way. The conservative and moderate portfolios have a portion of the total invested in the F and G funds.

This portion is not exposed to the risk of the stock market, as the C, S and I funds are. From www. Protect your TSP from large market drops. It will allow you to have exposure to stock markets around the globe, including the United States and developed foreign markets. The weakness of this portfolio compared to the Vanguard one is exposure to emerging markets.

The I fund currently only has developed economies, and not emerging markets. It is a way to have access to the entire U. It has far less volatility than the Total Stock Market Index by using bonds to smooth out the ride. This is where I get my weird percentages from. Make sure you use these recommended allocations correctly! Most people screw this up. They want to learn from a true master how to invest in the TSP in Thank you! Until now, nobody has ever known how the brilliant mind of a master invests.

Not sure how wise that is! I should be charging for revealing my personal portfolio. I just have too much love and altruism in my heart and no one reads this blog. I reveal secrets here that nobody else knows… How should you make changes to your portfolio based on current inflation, overheated economic markets and with the uncertainty of the pandemic? The question of what is the best TSP strategy for gets asked all the time. If you are asking which TSP fund is best in , you may think that jumping between funds at the right times depending on cycles, economic data, politics, etc.

You may also believe that experts scouring the market for data and gifted chart readers have some way of knowing which funds will outperform in the near future. Options for great TSP allocation strategies that will work better than any other strategy. Want to know what to do with your IRA and real estate too? One Change to Make in Now for the changes you should make to your portfolio in What you can change in your TSP portfolio year to year is your exposure to risk. I made a separate video about this which is deep in the weeds, but I will explain it quickly right now.

When I say stocks, that includes mutual funds and index funds. Bonds and treasury bills are safe. It is wise to put a specific percentage of fixed income, which is bonds or treasurie bills into your portfolio of stocks to lower market risk as you near retirement. This limits your downside. Here is some simple guidance for achieving the right balance of stocks to bonds for your age and risk tolerance. I use the law of When it comes to the percentage of your portfolio that should be in stocks, you subtract your age from Some people use the law of instead of You can adjust this number based on how risk averse you are.

Do I have a higher or lower risk tolerance than other investors in my age group? Is this my only source of income in retirement, or do I have a pension, real estate, a sugar mama, or other income as a supplement? This is important in understanding how they are used in building TSP investing portfolios.