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URL:  http://boards.fool.com/chris-how-old-are-you-what-are-your-retirement-21713289.aspx

Subject:  Re: Need Advice on a Thrift Savings Plan Date:  12/7/2004  8:43 AM
Author:  CalimanDC Number:  43431 of 78168

Chris,

How old are you? What are your retirement goals? Do you have any other investments already? What do you plan to do with the money in 3 years?

All of these questions will determine the appropriate answer for you. Until I know them I can only give you general advice, which it looks like you have already received some of anyway.

1. Do not invest money in stock funds that you expect to want to use within 3 years. As you have already heard, they are too volatile and you will probably not see the return you want in that time.

2. If you know what your retirement goals are then you will know how to invest. Until you determine those goals, do not put the money anywhere besides a moneymarket fund or a short-term CD. Otherwise, you merely gambling, and it would be far less fun than heading to Vegas!