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As I predicted, fixed income (F Fund) and government bond (G Fund) funds beat the returns from all other index funds such as S&P 500 index or Emerging Market funds during the past 12 months. |
By changing your retirement savings account TSP, 401(k) or IRA fund allocations to avoid risky time periods before a possible stock market crash, you can BETTER protect your money in the long run AND BEAT the returns from any lifecycle fund, S&P 500 index fund (C fund), small cap index fund (S fund), International stocks fund (I fund), fixed-income/bond fund (F fund), or U.S. government debt fund (G fund). Follow my record, as I reveal where I'm putting my own retirement money and why.
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As I predicted, fixed income (F Fund) and government bond (G Fund) funds beat the returns from all other index funds such as S&P 500 index or Emerging Market funds during the past 12 months. |
"The risk of a stock market correction occurring during this summer is still rather high. Although still riskier than the "G" TSP fund, Bond/Fixed Income funds might do well during the next 90 days, so you may want to move some percentage of your account into the TSP "F" fund, while still keeping most of your money in the "G" fund during this summer. The time to buy back into stock funds will be after the correction occurs, probably later this summer or early fall."
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Percentage Profit/Loss of various TSP funds since May 23rd. Fixed-income (F) and U.S. Government debt (G) funds are the only two funds that have not lost money since May. |
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Modern Portfolio Theory proves that, in the long run, avoiding account drawdowns is far more important than chasing higher yields |