M(25)
I’m currently investing about 35% of my gross income to tsp (govt 401k), and fidelity Roth IRA.
C fund 80%
S fund 20%
FXAIX IRA
I want to do my best to retire early 50-ish if not before.
My question is, when I do retire, do I leave my money on the current risky funds and just roll with it?
Do I move all the shares/money into more safe funds (idk what that would be) and how early before retirement should I make that move (or on the day of retirement should I make that switch)?
I’m trying to be as risky as I can be right now with these funds I’ve picked(without getting into real estate and other forms of investment since I’m more a set it and forget it saver), but I’ve seen the market tank and that would suck in retirement when I don’t have years of time to see it bounce back.
>M(25) I’m currently investing about 35% of my gross income to tsp (govt 401k), and fidelity Roth IRA. C fund 80% S fund 20% FXAIX IRA
You’re extremely overweight on US large caps, mildly underweight on US extended market (which should have higher expected returns than large caps), and completely lack ex-US. The addition of ex-US can both help increase returns and reduce volatility.
>My question is, when I do retire, do I leave my money on the current risky funds and just roll with it?
You may want some amount in less risky assets, to minimize a sequence of returns risk. https://www.forbes.com/advisor/retirement/sequence-of-returns-risk/
>Do I move all the shares/money into more safe funds (idk what that would be) and how early before retirement should I make that move (or on the day of retirement should I make that switch)?
All? No. You still want/need some growth. Even Fidelity and Vanguard target date funds never go below a 20-30% stock target.
You’ll likely want to have started moving it at least a few years before retirement, you can look up glide paths and bond tents as a few example strategies.
>I’m trying to be as risky as I can be right now with these funds I’ve picked
You can also add ex-US, which is also risky and shouldn’t have any major difference in expected long term returns (any difference in returns since 1950 may be solely due to the most recent US favoring part of the rotation).
At 25 years old your mix is fine. I might suggest slightly less in the S (small cap) fund as those typically do worse in high inflation/rising interest rate environment. If you think about it it makes sense – smaller companies need to borrow money to grow. Borrowing money is more expensive now.
That said, I wouldn’t worry about drastically changing to less risky fund mix until you are much much older…like 50s. It isn’t so much about a particular age – you also have to look at what is going on in the economy. For example, you could be 70 this year and it still wouldn’t be a great idea to be buying bond funds because bond values decrease when interest rates rise.
I’d probably move some from C fund to I, maybe 10-20%, other than that you’re probably ok for now. For general planning, look at how the lifecycle funds are allocated, that will give you an idea on when to start moving funds around
It’s hard to find educated people about this subject, however, you seem like you know what you’re talking about! Thanks
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