Want to know which TSP funds to invest in or learn more about the Thrift Savings Plan (TSP)? Here are the 2 TSP funds I invest ALL my money in. As a former federal employee, I have a Thrift Savings Plan (TSP) retirement account. In this video, I plan to (1) reveal which two TSP funds I put ALL my money in, (2) share the percentage % breakdown of how much I put in each TSP fund and (3) explain WHY I invest this way in the TSP.
When it comes to TSP retirement and finances, I want to highlight how critical it is to understand WHY and HOW to invest. Educate yourself! Don’t just follow because “so and so said it’s a good tip.” That’s the fastest way to LOOSE money. This is why I’m breaking down WHY I invest the way I do and back it up with FACTS. It will help you make the best TSP investment decisions for you.
***Note: My TSP breakdown factors in that I have 25-30 years before I retire. If you are closer to retirement (like 1-5 years out), you may choose a different TSP investment strategy and funds. Check out my other video – “How to Invest in the TSP”: – where I cover other types of investing strategies that may be better for your situation.
// TOPICS
00:00 Intro
01:56 TSP Portfolio REVEALED! The 2 TSP funds I put all my money in are…
02:47 Why these 2 TSP funds? Reason 1 hint – Performance
05:16 Why these 2 TSP funds? Reason 2 hint – Diversify
08:30 Why these 2 TSP funds? Reason 3 hint – Results
10:03 How much I allocate in each TSP fund
//LINKS MENTIONED IN THE VIDEO & OTHER RELATED CONTENT
TSP 101: Thrift Savings Plan EXPLAINED in 15min –
How to Invest in the TSP:
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The content on my YouTube videos and other social media platforms is for educational purposes only and is based on my personal opinion. It’s not meant to be investment or professional financial advice. I am not a TSP advisor, financial advisor, certified accountant or a tax professional. You should do your own research and speak to a licensed professional for financial or tax decisions if necessary. Remember that investments involve some form of risk and there is no guarantee that you will be successful in making, saving or investing money; nor is there any guarantee that you won’t experience any loss when investing.
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LEARN MORE ABOUT: Thrift Savings Plans
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Which funds do you invest in? Comment & share your breakdown here!
***Note: my TSP breakdown factors in that I have 25-30 years before I retire.
Hey Melissia Great Video. Here is my question. I have roughly about $30,000 in my TSP. I been retire from the US Army for 6years now and currently working as a teacher. I foresee myself (with God help) teaching for the next 18 years. After watching your video, My question is this. Would it be smart to change my funds to the C and S funds or invest these funds into another account. Yes, I do have other accounts from being a teacher and one or two I do on my own. And yes, I don t need this money now. I just want to make a smarter investment with this money for the next 18 to 20 years.
At 10:42 you're saying you can take advantage when either C or S fund has an upside. My understanding is you're just saying since you've split the two funds you're not all out losing if you were 100% into one of them or 80-90%, right? I am asking because I've heard people talk about shifting your allocations around but they're just talking about a scenario where say the s&p drops a huge amount so they start allocating say 100% into C fund to get shares for cheap, right? AM I understanding that correctly?
Do you also change the dollar amount not just the allocations coming in?
I basically do same due to same reason. Though I still put 20 percent into L fund. Ironicaly L fund been helpful this past year.
I’m 46 been Retired from active duty almost 5 years. I needed to see this video. Never understood how to work it.
Great video and advices on investing in the C & S.
I am 54, 30yrs of services and max out my contributions of 15% 50/50, 60/40 or 40/60 in C & S and have been for 20+ yrs. I made the TSP Millionaire club as of Nov 2021. Plan on retired in 8 yrs and don't intend to moves it out of C & S base on historical returns.
So if you can afford to … contributes max into C & S.
I have 5 years to go what funds do I have to put
Too late I have 5 years to go
That’s hilarious, I just saw this video, and the funny part is that I also half 50/50 in S and C funds. I feel better after watching this video. I been in G find for last six years and two weeks ago I made this change. Sucks cause we are downtrending but I hope we go up and up
Hi Melissa
Would u suggest split between c and s funds or stick with one. Thanks.
Hi I m postal worker . I m 37 married n have kids . I want to retire in 60 . I put 10% in traditional tsp but I hear long run Roth is better. Should I move to Roth ? If yes how much % is good enough ?
I'm about 5 months in to federal service, and I do the basic 5% match. I have about $1600 in it thus far. I'm tempted to dump my other retirement accounts into it. But, while I know it would be really dumb to do so, I am tempted to take other retirement out early and become debt free, with a decent savings account left over. Also, I pay a fee for a site that gives recommendations for TSP investing. If I did not, I'd probably either go 50/50 C & S, or 90/10 C & F.
Hi Melissa I recently retired. What's the best option for me. Stay on Gfund?
I think its time I look into my tsp allocation
Wow. Insightful and making the change now. Just became a Federal employee and I had no clue!!! Thank you!
So if I adjust my contributions allocation to match my account distribution could that justify higher return rates?
80% C 20% G here
Damm how long did it take your to get to 60K just finish my 1st year and only have 4K granted I’m still working under my apprenticeship pay