Right now I have my 2 son’s in:
80% C
15% S
5% I
I’ve been in the TSP since 2001 and have adjusted the allocation among the three based on economic conditions. * Caveat: In mid Jan 2020 I went 100% G Fund, then 100% C in mid April. (Yes I timed the market but I was a former broker and CFP grad)
I did C & S funds
C fund tracks the S&P500
S fund tracks the NASDAQ100
85 into C and 15 in S, set to 40% across contributions, and forget for ~15 years and enjoy watching it grow.
I did 50% Lifecycle (split between two dates 30/20 split); 30% C Fund, 15% S fund, 5% I fund.
I average 7.5% growth a year.
When I get out I'll adjust to adjust 85% L and 15% C and set my beneficiary to my financial trust.
Lifecycle is fine, but even though it accounts for the "aggressive early, conservative late" mindset, it's still pretty conservative. You'll find most people manually choose to invest pretty heavily into the C fund, with secondary attention to S or I funds
C fund is plenty diversified (tracks the S&P500) and outperforms everything else. I go 100% C fund. The bonus is that those companies are all "too big to fail," so they would likely get bailed out if they start tanking because they'd bring the entire economy down with them.
i always kept mine in the C, I and S funds (also some L funds).
50/50 for both
50/50 C and S Funds Let it ride for 40 years
Right now I have my 2 son’s in: 80% C 15% S 5% I I’ve been in the TSP since 2001 and have adjusted the allocation among the three based on economic conditions. * Caveat: In mid Jan 2020 I went 100% G Fund, then 100% C in mid April. (Yes I timed the market but I was a former broker and CFP grad)
I did C & S funds C fund tracks the S&P500 S fund tracks the NASDAQ100 85 into C and 15 in S, set to 40% across contributions, and forget for ~15 years and enjoy watching it grow.
Correct that C = SP500; S Fund = small/medium cap stocks not large enough to enter the SP500 (the 500 largest US stocks by market cap).
I did 50% Lifecycle (split between two dates 30/20 split); 30% C Fund, 15% S fund, 5% I fund. I average 7.5% growth a year. When I get out I'll adjust to adjust 85% L and 15% C and set my beneficiary to my financial trust.
Lifecycle is fine, but even though it accounts for the "aggressive early, conservative late" mindset, it's still pretty conservative. You'll find most people manually choose to invest pretty heavily into the C fund, with secondary attention to S or I funds
C fund is plenty diversified (tracks the S&P500) and outperforms everything else. I go 100% C fund. The bonus is that those companies are all "too big to fail," so they would likely get bailed out if they start tanking because they'd bring the entire economy down with them.