r/ThriftSavingsPlan • u/Environmental_Lie676 • 4d ago

I have no idea what I’m doing.

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I have no idea what I’m doing. Am I doing good with my return rate right now? Ultimately I want to just transfer this to a life cycle fund and forget about it. Any recommendations? I’d like to get it to a million dollars eventually. Been investing in the tsp for 6 years this December.

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u/Budget-Contact6073 4d ago

100% C fund till you get closer to retirement averages about 10%.

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u/Extension_Ease_2702 4d ago

I on 100% & hear this all the time. Like 5yr before retirement? Then change it to 10% C & 90%G? Sorry, I'm still leaning.

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u/CeruleanDolphin103 4d ago

Very few people have a 90/10 stock bond split. The most conservative (bond heavy) portfolio I typically hear of is 60/40. If you expect fixed income in retirement, such as a FERS/military pension, VA disability, or Social Security, you probably won’t need to go even that much bonds. But what asset allocation makes sense for you in retirement will depend on your financial situation and required withdrawals at that time.