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WCI has discussed the various TSP (Thrift Savings Plan) funds previously, most recently briefly in his lastest asset allocation blog post (https://www.whitecoatinvestor.com/the-new-wci-asset-allocation/). But I don't think I've seen the details of each fund ever discussed.
My spouse is about to start active duty, which means we will be incorporating them into our portfolio for the first time. We have an investment plan and asset allocation we follow already (primarily using VITSX, VFIAX, VTIAX, VSMAX and VBTLX), but are having trouble deciding how we're going to incorporate 1 or more of the TSP funds into that plan. We like keeping the TSM and 500 index allocation largely in our taxable account given the ease of tax loss harvesting/crossover. The rest are in 403b, 457, Roths and HSAs.
From what I can gather from the TSP website:
C Fund= S&P 500 index
S Fund= all the rest, but would have midcap tilt
I Fund= international, but a developed markets tilt (tracks MSCI EAFE)
G fund= government securities
F fund= other bonds
L funds= essentially like Lifecycle funds
They all have the same lovely 0.038% expense ratio.
Should we try to mix/match the S and I funds to match our asset allocation? Seems like that math will get difficult. Or just put in all in the C fund and adjust the rest of our accounts accordingly to maintain our plan? Or maybe just assign our entire bond allocation going forward to this account and throw it all in the G fund (seems to have worked well for WCI).
Those of you with a history of using these funds, any thoughts?
My spouse is about to start active duty, which means we will be incorporating them into our portfolio for the first time. We have an investment plan and asset allocation we follow already (primarily using VITSX, VFIAX, VTIAX, VSMAX and VBTLX), but are having trouble deciding how we're going to incorporate 1 or more of the TSP funds into that plan. We like keeping the TSM and 500 index allocation largely in our taxable account given the ease of tax loss harvesting/crossover. The rest are in 403b, 457, Roths and HSAs.
From what I can gather from the TSP website:
C Fund= S&P 500 index
S Fund= all the rest, but would have midcap tilt
I Fund= international, but a developed markets tilt (tracks MSCI EAFE)
G fund= government securities
F fund= other bonds
L funds= essentially like Lifecycle funds
They all have the same lovely 0.038% expense ratio.
Should we try to mix/match the S and I funds to match our asset allocation? Seems like that math will get difficult. Or just put in all in the C fund and adjust the rest of our accounts accordingly to maintain our plan? Or maybe just assign our entire bond allocation going forward to this account and throw it all in the G fund (seems to have worked well for WCI).
Those of you with a history of using these funds, any thoughts?
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