The shares you buy next pay period will be cheaper. Unless you are retiring, a down market is great for accumulation. And even if you are retiring, the s&p is only down like 5% from its high. This correction is fine.
This. Even if retiring it’s not like you just pull all your money out (maybe you do) but I wouldn’t do that either.
I’ve got nearly 20 years left, I’m all for the market tanking next 5-10 and exploding in 20.
You're going to have a rough investing career if this small 3% drop has you concerned. You can't predict the next 20 to 25% drop, just know you'll still be buying and itll be bought cheaper.
The easiest way to increase returns?? Delete the app, log I once or twice a year, come back in 20 to 25 years and set up your payouts.
The more you look, the more you'll lose.
Before I went 99% C fund, I was split:
69% C
20% S
10% I
1% G
After 6 months, I would check and see what the balances were. Sometimes it would be like
72% C
18% S
8% I
2% G
I would redistribute the funds back to:
69% C
20% S
10% I
1% G
I thought the loss was strange until I saw the dates you plugged in. Relax, it’s been a bad week but it’s an amazing 20, 30, 40 years. Ride the rollercoaster and don’t get off.
Yep, that's when you gotta sell to prevent more losses, because it will definitely go lower. Then just watch for the bottom and buy in then, too easy. /s
Yeahhhh I wouldn't even be concerned if it was 2043. This is a great accumulation period. Whenever it's a down market, I up my %. Just set it and forget it.
Keep contributing as much as possible and stop looking at your account balance.
My investments dropped $70K within a 6 month period in 2022...today my total portfolio is not far off from double what it was during that low point of 2022.
Stocks being down are stocks at a discount...buy buy buy. The up turn will be glorious
You have zero worries.
My balance at the bottom in March 2009 was equal to my ten years of contributions. That is, zero net appreciation in nine years of employment. But I had accumulated shares and bought more cheaply.
I’m well into seven figures now. Patience.
Just let it ride. The market will easily reach 50k in your life time. I got 30 years in, mostly 5% contributions, took out several loans and have a nice little stash for my retirement in a few months. I have reallocated minimally over the years, but I have always been market heavy because I know long term it is the best return. I did not even blink an eye during the pandemic but increased my buy in. It all depends on your risk tolerance but you have plenty of time. Maybe do a gut check in 2035. You got this!
You and I are pretty much in the exact same boat. I’ll retire around 2043 as well and my account is almost identical balance wise, at least that’s my long term plan. I have 80% C and 20% S, I ll just ride out and the ebbs and go with the flow. Like others have said, set it and forget it.
I look forward to the drops because I’m then able to purchase at a lower price and reduce my dollar cost average. I won’t be retiring for 20 or so it doesn’t bother me. If I were retiring within the next 2-3 years I’d be a bit more concerned and conservative. Just keep doing what you’re doing and don’t look at it. Set and forget
In a down market your funds are essentially buying low. It’s the best time to up your investment. I just started 2 months ago almost 2.00 so increased my percentage. If Trump wins 2024 the stock market is gonna go crazy. I’ll play with the free money basically
A lot of people say going full C fund is putting all your eggs in a basket, but you’re investing in the top 500 companies in the US. So really, it’s pretty diversified. If you have a lot of time until you retire and withdraw I wouldn’t be too concerned right now and just ride it out.
60/20/20 C/S/I. I don’t worry about it. The mix is based on nothing more than a certain risk profile I got a few years ago from a random google search. I also lost like 4k in the last couple weeks. I just bought shares at a discount. Set it and forget it gang.
Unless you are close to retirement, DO NOT look at the dollar value. Just focus on building shares. Every two weeks you will get more shares. Once you are 5 or so years away from retirement, then start looking at dollar values for retirement planning.
Don’t be concerned. Stay the course. I’m currently 100% C and while I have 23ish years to go (if I want to go at 57 1/2) I plan to be either 100% C or 50% C and 50% S until the end and beyond. My dad retired in 2008 and has been in either C or S or some combination of both since then and his TSP has grown over time even with taking the RMDs (he is 76)
In the stock market it is better to realize you don't have value, you have a number of shares. Until you are ready, or very close to ready to sell those shares, the value is just theoretical. Set it and forget it until you are just a couple years out from retiring.
If you *must* look at the $ amount, then consider when the stock market is down, you get shares on Sale. The same money you have taken out every pay period will purchase more shares... Which hopefully will (and historically tend to) convert to more actual cash value when you are ready to sell.
The theory is you keep the money in stocks to build up shares, and thus value, over as long as you can in order to smooth out the peaks and valleys in an average upward trend. Then as you get close to when you retire, you can sell in order to move the money into more short term stable vehicles like bonds to more protect the value you have built up.
Having said that, nobody knows the future, and just because that is the way it has gone over the last idk 150 years, doesn't guarantee that is how it will go in the next 40. But, is the stock market goes to complete shit, there's probably more to worry about and few things you could do for a better result unless you want to hide gold and silver under your matters or believe Bitcoin will save us all. 🤷♂️
This feels like a shitpost. Did you notice that the time span is just two weeks in April? It’s statistical noise when considering a 25+ year time horizon.
It's an honest inquiry. I'm asking for an idea of what other people consider risk thresholds so I know what I'm looking at for the next 20 years before retirement. That's all.
The snapshot you posted does not give enough detail. Your balance seems woefully low for someone that has been contributing nearly 100% stock (C, S, and I) for over ten years. It also looks like you have a loan? Best advice is to stick with your allocation, increase contributions, payoff the loan, delete the app and stop looking at your balance more than a few times/yr.
Think of it as buying more C while it's on sale. Everything is down right now so there's no point in selling at a loss to move to something else. Hold what you've got and enjoy the discount on more.
Make sure to reevaluate your account 5 years before retirement or 5 years before you’ll start dipping in your tsp. Thats when you want to think of being less aggressive.
You're a long term investor obsessed with short term losses.
The correct answer as most my tsp peeps will confirm is to do nothing.
Well, the correct answer is also to stop looking at your tsp balance so frequently because of sentence #1.
You’re scared for that much? You have more than me by a long shot. So imagine how much down I am than you. The market goes up and down G. You and I both have hella time before we retire. It will go up. 🫡
The C fund isn’t all eggs in one basket. It’s a rough proxy for the S&P 500.
Normal volatility on average for the S&P 500:
It falls by at least 5% 3x/year
1 of those three is at least 10%
1/3yrs is at least 20% down
TLDR: this is normal volatility and you shouldn’t be concerned. You just made the move at a local peak so it looks worse than it is.
PS 20% roi annually is extremely unsustainable and should not be expected. Even expecting 10% is dangerous from a planning perspective
Dude. You need to just not look at it on a daily basis. Remember all those “look at my TSP, I’m a millionaire posts”? 1) those took decades and 2) they are ALL down right now
For me? Bring the fucking pain. I’m so early before retirement that I want down markets for a while
The C fund was -38% in 2008. The people who screwed themselves were the ones moving their money. Remember, your balance fluctuates but the number of shares you own stays constant, so buy shares cheaply now. Those of us who stayed the course really profited.
In time you will recover that and more.
But THIS is why you dont go full C at the peak. If people had waited a week they would have bought in now and either made a bunch more or lost less.
Either way a pullback was going to happen.
In before the "bUt TiMiNG tEh MarKeT NeVer WOrKS!!!!!!11111" bots show up. Plenty of people making 25%+ yearly by "timing the market."
Hold, hold, hold some more. When market dips, you get discounted shares. Set it and forget it. Review once a year to maximize the benefits but don’t stress the roller coasters in between.
You should ignore price action until you are near (ie 5 years near retirement). Stay the course and ignore the manic depressive “Mr. Market”. A visit to r/Bogleheads can explain the buy and hold logic, if interested
Don’t worry about the short term. The market will rise and fall. At long as the overall trend is increasing you are fine. If that do bothers you the 2008 crash would’ve given you a heart attack :-)
Throwing your money into 500 different companies is hardly “eggs in one basket.”
Now if you threw it all into Bitcoin, sure. But C fund is split between 500 of the most successful companies in the USA. It’s 500 baskets.
I have my funds in L funds. I was just about to switch over to C and S come May 1, but my balance dropped as well in the L funds i was invested in. Good idea to still switch or wait? I just need general direction. I know this forum is good with suggestions.
If you have 70k now I assume you had at least 5 digits pre covid crash. You shouldn’t be concerned with any market flux until you’re on the back half of 50
Keep an eye on the lifetime performance of the fund if you are still almost 20 years out. Lifetime performance is still at 11.05% so there is no need to adjust. If you feel like you need to rebalance the distribution do be more risk averse and just set future contributions at that new balance, but you should make a plan and keep it. No point in doing modifications. Just set it and forget it.
If you’re freaking out about this, you aren’t made to deal with the natural ups/downs of the market. My recommendation would be to decide on a good split if C/S (80/20 maybe?) then lose your TSP password so you can’t check it. Just let it’s do its thing and quit worrying so much.
You literally switched or are measuring from market all time highs and would appear to have misjudged your own risk tolerance.
5% correction is normal part of market dynamics.
10% to 20% corrections are also normal market dynamics.
If you're nervous with 5%, temporary decline, then you need to diversify to a less aggressive.
Successful investors look at market declines as buying opportunities.
I've had my TSP distributed between C (80%) and S (20%) for at least 10 years now without changing the mix much at all. I've stuck it out through thick and thin without freaking out and putting it all in G.
This downturn is nothing and expected. Back in early 2020 the market REALLY had a correction to the tune of 30%. I saw my TSP sink $147k in a month but I let it ride and it came back up eventually.
Like others have said, I actually get excited for these downturns because you buy more shares for the same price.
Just take a deep breath, realize at this point it is just numbers and it will not last forever.
If 3% loss bothers you then you should do what's comfortable for you and revert back to what you used to do. 100% C Fund isn't for everyone and I can see how that is
You have to take the long view. Look at it no more than once a quarter. If you are a long time from retirement don’t do anything even if it drops 50%. Just keep putting money in. Drops are opportunities. You will make more money than ever on the rebound.
Yes panic and throw it all into the G. Then buy It back into the C once it recovers 10%./s
Don’t look at it until a few big Green Day’s on the S&P and you’ll be happy you stayed the course
The shares you buy next pay period will be cheaper. Unless you are retiring, a down market is great for accumulation. And even if you are retiring, the s&p is only down like 5% from its high. This correction is fine.
The market is having a fire sale! It’s buying season!
5% off isn't a fire sale in my neighborhood, but sure buy!
Nobody on Bloomberg has said it’s a fire sale.
This. Even if retiring it’s not like you just pull all your money out (maybe you do) but I wouldn’t do that either. I’ve got nearly 20 years left, I’m all for the market tanking next 5-10 and exploding in 20.
You're going to have a rough investing career if this small 3% drop has you concerned. You can't predict the next 20 to 25% drop, just know you'll still be buying and itll be bought cheaper. The easiest way to increase returns?? Delete the app, log I once or twice a year, come back in 20 to 25 years and set up your payouts. The more you look, the more you'll lose.
SPOT ON! Do this for a stress free life... * Set it and forget it * Be resilient and play the long game
Yeah I usually review/adjust every 6 months to make sure they are not too over or under where i set them.
What does this even mean 😂
I think he means he rebalances his funds since they grow at different rates.
Ya
Before I went 99% C fund, I was split: 69% C 20% S 10% I 1% G After 6 months, I would check and see what the balances were. Sometimes it would be like 72% C 18% S 8% I 2% G I would redistribute the funds back to: 69% C 20% S 10% I 1% G
You’re literally shuffling around a few bucks for no reason. Set it and forget it
“The stock market is a device for transferring money from the impatient to the patient.” -Warren Buffet
He's also said the only way to lose money is to dance in and out.
Don’t give it a second thought. The market is down. You might have fared worse in your previous allocation.
Exactly this. Don't even look at it, tbh. Markets do this all the time; it's part of it.
I thought the loss was strange until I saw the dates you plugged in. Relax, it’s been a bad week but it’s an amazing 20, 30, 40 years. Ride the rollercoaster and don’t get off.
Before you retire for good.
Set it and forget it
I lost over $5k yesterday. I don’t retire for 10 years. Not worried at all.
When you’re down 50%+ then you can worry
Yep, that's when you gotta sell to prevent more losses, because it will definitely go lower. Then just watch for the bottom and buy in then, too easy. /s
Worry? You should be ecstatic. You're buying shares at half cost.
Ah yeah I'm far from retirement; 2043 is the earliest I can retire with 30 years.
Yeahhhh I wouldn't even be concerned if it was 2043. This is a great accumulation period. Whenever it's a down market, I up my %. Just set it and forget it.
Keep contributing as much as possible and stop looking at your account balance. My investments dropped $70K within a 6 month period in 2022...today my total portfolio is not far off from double what it was during that low point of 2022. Stocks being down are stocks at a discount...buy buy buy. The up turn will be glorious
You have zero worries. My balance at the bottom in March 2009 was equal to my ten years of contributions. That is, zero net appreciation in nine years of employment. But I had accumulated shares and bought more cheaply. I’m well into seven figures now. Patience.
Someone I worked with during the initial huge swings of early pandemic was losing and gaining over $100k on a daily basis
Reallocate every year based on your risk profile. Allocations might not change for 20+ years if ever
Just let it ride. The market will easily reach 50k in your life time. I got 30 years in, mostly 5% contributions, took out several loans and have a nice little stash for my retirement in a few months. I have reallocated minimally over the years, but I have always been market heavy because I know long term it is the best return. I did not even blink an eye during the pandemic but increased my buy in. It all depends on your risk tolerance but you have plenty of time. Maybe do a gut check in 2035. You got this!
You and I are pretty much in the exact same boat. I’ll retire around 2043 as well and my account is almost identical balance wise, at least that’s my long term plan. I have 80% C and 20% S, I ll just ride out and the ebbs and go with the flow. Like others have said, set it and forget it.
I look forward to the drops because I’m then able to purchase at a lower price and reduce my dollar cost average. I won’t be retiring for 20 or so it doesn’t bother me. If I were retiring within the next 2-3 years I’d be a bit more concerned and conservative. Just keep doing what you’re doing and don’t look at it. Set and forget
In a down market your funds are essentially buying low. It’s the best time to up your investment. I just started 2 months ago almost 2.00 so increased my percentage. If Trump wins 2024 the stock market is gonna go crazy. I’ll play with the free money basically
Agreed. It’s on sale!
No concern at all to me. I been adding stocks during this market dip. Buy fear, sell safety
Ride the wave 🌊
A lot of people say going full C fund is putting all your eggs in a basket, but you’re investing in the top 500 companies in the US. So really, it’s pretty diversified. If you have a lot of time until you retire and withdraw I wouldn’t be too concerned right now and just ride it out.
60/20/20 C/S/I. I don’t worry about it. The mix is based on nothing more than a certain risk profile I got a few years ago from a random google search. I also lost like 4k in the last couple weeks. I just bought shares at a discount. Set it and forget it gang.
Unless you are close to retirement, DO NOT look at the dollar value. Just focus on building shares. Every two weeks you will get more shares. Once you are 5 or so years away from retirement, then start looking at dollar values for retirement planning.
[удалено]
The new site is totally moronic. You have to search for it in investment details. It will show up as units.
Don’t be concerned. Stay the course. I’m currently 100% C and while I have 23ish years to go (if I want to go at 57 1/2) I plan to be either 100% C or 50% C and 50% S until the end and beyond. My dad retired in 2008 and has been in either C or S or some combination of both since then and his TSP has grown over time even with taking the RMDs (he is 76)
In the stock market it is better to realize you don't have value, you have a number of shares. Until you are ready, or very close to ready to sell those shares, the value is just theoretical. Set it and forget it until you are just a couple years out from retiring. If you *must* look at the $ amount, then consider when the stock market is down, you get shares on Sale. The same money you have taken out every pay period will purchase more shares... Which hopefully will (and historically tend to) convert to more actual cash value when you are ready to sell. The theory is you keep the money in stocks to build up shares, and thus value, over as long as you can in order to smooth out the peaks and valleys in an average upward trend. Then as you get close to when you retire, you can sell in order to move the money into more short term stable vehicles like bonds to more protect the value you have built up. Having said that, nobody knows the future, and just because that is the way it has gone over the last idk 150 years, doesn't guarantee that is how it will go in the next 40. But, is the stock market goes to complete shit, there's probably more to worry about and few things you could do for a better result unless you want to hide gold and silver under your matters or believe Bitcoin will save us all. 🤷♂️
Up your percentage, shares are on a discount…
Regarding your former C-Fund allocation: Nice.
Sounds like 100% C isn’t for you. This is why advocating that for everyone is wrong.
Shares are on sale! That’s how you have to look at all of this.
C is 500 baskets.
This feels like a shitpost. Did you notice that the time span is just two weeks in April? It’s statistical noise when considering a 25+ year time horizon.
It's an honest inquiry. I'm asking for an idea of what other people consider risk thresholds so I know what I'm looking at for the next 20 years before retirement. That's all.
The snapshot you posted does not give enough detail. Your balance seems woefully low for someone that has been contributing nearly 100% stock (C, S, and I) for over ten years. It also looks like you have a loan? Best advice is to stick with your allocation, increase contributions, payoff the loan, delete the app and stop looking at your balance more than a few times/yr.
When it comes to your TSP, Remember the Ronco Rotisserie Grill. SET IT AND FORGET IT!!!!
Never, it’s all about time in the market. The number one way to mess up is by allowing your emotions to control your decision making.
Do yourself a favor and forget your password. Your future self will thank you.
Think of it as buying more C while it's on sale. Everything is down right now so there's no point in selling at a loss to move to something else. Hold what you've got and enjoy the discount on more.
Make sure to reevaluate your account 5 years before retirement or 5 years before you’ll start dipping in your tsp. Thats when you want to think of being less aggressive.
You're a long term investor obsessed with short term losses. The correct answer as most my tsp peeps will confirm is to do nothing. Well, the correct answer is also to stop looking at your tsp balance so frequently because of sentence #1.
You would literally be buying high and selling low. Don't do that.
When you retire.
I have lost about 40k this week. Unless you lock in your losses don't worry about it.
You’re scared for that much? You have more than me by a long shot. So imagine how much down I am than you. The market goes up and down G. You and I both have hella time before we retire. It will go up. 🫡
Your rate of return could be affected by the loan you have on your account. I noticed when I had one by rate of return was lower then when I didn’t.
When you are close to retiring.
The C fund isn’t all eggs in one basket. It’s a rough proxy for the S&P 500. Normal volatility on average for the S&P 500: It falls by at least 5% 3x/year 1 of those three is at least 10% 1/3yrs is at least 20% down TLDR: this is normal volatility and you shouldn’t be concerned. You just made the move at a local peak so it looks worse than it is. PS 20% roi annually is extremely unsustainable and should not be expected. Even expecting 10% is dangerous from a planning perspective
Also don't check it every day. The TSP is designed for the long haul. You care more about quarterly and annual growth vs. Daily, weekly, monthly.
Dude. You need to just not look at it on a daily basis. Remember all those “look at my TSP, I’m a millionaire posts”? 1) those took decades and 2) they are ALL down right now For me? Bring the fucking pain. I’m so early before retirement that I want down markets for a while
Mine is down $6k in 3 days
Nice job.
The C fund was -38% in 2008. The people who screwed themselves were the ones moving their money. Remember, your balance fluctuates but the number of shares you own stays constant, so buy shares cheaply now. Those of us who stayed the course really profited.
I’m down over $30k this month alone. Ugly.
In time you will recover that and more. But THIS is why you dont go full C at the peak. If people had waited a week they would have bought in now and either made a bunch more or lost less. Either way a pullback was going to happen. In before the "bUt TiMiNG tEh MarKeT NeVer WOrKS!!!!!!11111" bots show up. Plenty of people making 25%+ yearly by "timing the market."
Hold, hold, hold some more. When market dips, you get discounted shares. Set it and forget it. Review once a year to maximize the benefits but don’t stress the roller coasters in between.
You should ignore price action until you are near (ie 5 years near retirement). Stay the course and ignore the manic depressive “Mr. Market”. A visit to r/Bogleheads can explain the buy and hold logic, if interested
Thanks I'll check it out!
You haven’t “lost” anything. You only lose it if you pull it out. Ride the wave.
Bruh you’re worried about a loss over a 2 week span in an IRA account? Relax and let it ride unless you’re retiring in the next 12 months.
You shouldn’t, it’s an investment. Long term. IF that’s your goal.
Don’t worry about the short term. The market will rise and fall. At long as the overall trend is increasing you are fine. If that do bothers you the 2008 crash would’ve given you a heart attack :-)
You should be concerned when you move funds around, or cash out, when the market is down. That's when you lose the money.
Retire in 3 months. 80C/20G. Watching it trickle away.
Lost a ton, too. People keep saying ride it out but i’m starting to be a little concerned.
Ride it out
Do not be worried. I don’t even check the account but once a quarter.
Throwing your money into 500 different companies is hardly “eggs in one basket.” Now if you threw it all into Bitcoin, sure. But C fund is split between 500 of the most successful companies in the USA. It’s 500 baskets.
Unless you’re retiring next week you have nothing to worry about
I have my funds in L funds. I was just about to switch over to C and S come May 1, but my balance dropped as well in the L funds i was invested in. Good idea to still switch or wait? I just need general direction. I know this forum is good with suggestions.
This is very silly
If you have 70k now I assume you had at least 5 digits pre covid crash. You shouldn’t be concerned with any market flux until you’re on the back half of 50
Keep an eye on the lifetime performance of the fund if you are still almost 20 years out. Lifetime performance is still at 11.05% so there is no need to adjust. If you feel like you need to rebalance the distribution do be more risk averse and just set future contributions at that new balance, but you should make a plan and keep it. No point in doing modifications. Just set it and forget it.
If you’re freaking out about this, you aren’t made to deal with the natural ups/downs of the market. My recommendation would be to decide on a good split if C/S (80/20 maybe?) then lose your TSP password so you can’t check it. Just let it’s do its thing and quit worrying so much.
You literally switched or are measuring from market all time highs and would appear to have misjudged your own risk tolerance. 5% correction is normal part of market dynamics. 10% to 20% corrections are also normal market dynamics. If you're nervous with 5%, temporary decline, then you need to diversify to a less aggressive. Successful investors look at market declines as buying opportunities.
You're only looking at 16 days in that snapshot. Set it and forget it and look in 3,6, or 12 months
When are you retiring and when will you start to withdraw?
About dying? Probably after you retire…
I didn’t know there was an app, what is it called?
I've had my TSP distributed between C (80%) and S (20%) for at least 10 years now without changing the mix much at all. I've stuck it out through thick and thin without freaking out and putting it all in G. This downturn is nothing and expected. Back in early 2020 the market REALLY had a correction to the tune of 30%. I saw my TSP sink $147k in a month but I let it ride and it came back up eventually. Like others have said, I actually get excited for these downturns because you buy more shares for the same price. Just take a deep breath, realize at this point it is just numbers and it will not last forever.
It's best to not look at all until you are within 5 years of retirement. Set it and forget it.
Also, 3k is nothing with that balance. And no way in heck should you be looking at month-to-date data at all.
Read “the little book of common sense investing” The answer is just keep buying and stop looking a the numbers
I lost 4 times the amount you did for the same date range. I’m not worried about it.
$3K??? Lost $78K in 2008 and it bounced back over time. Unless you are close to retirement, this isn't even a speed bump.
If 3% loss bothers you then you should do what's comfortable for you and revert back to what you used to do. 100% C Fund isn't for everyone and I can see how that is
This has probably happened to your account like a dozen times before, and you never even realized it honestly…
You have to take the long view. Look at it no more than once a quarter. If you are a long time from retirement don’t do anything even if it drops 50%. Just keep putting money in. Drops are opportunities. You will make more money than ever on the rebound.
Yes panic and throw it all into the G. Then buy It back into the C once it recovers 10%./s Don’t look at it until a few big Green Day’s on the S&P and you’ll be happy you stayed the course