No. of Recommendations: 0
Hey Angry Geek,

Well for someone who doesn't know what the hell he's doing (exactly like myself I might add) you seem to be heading in a pretty good direction.

70-80% chance of SS? Hmmm, may be a bit optimistic but possible. With all the talk of privatization who knows...Personally I calculate what I need for retirement without it. There's pluses and minuses to this but it gives me the most conservative number and any SS that comes through is a bonus.

I believe the gov't gives pretty decent retirement plans so as long as they're funding the annuity that's great.

Maxing out your TSP is always good. 100% equity is probably not an issue since you have a long time until retirement. I'm curious as to what the standard deviation (SD) is for that portfolio. You say you like it so that's the most important factor but that depending on what is in that portfolio your probably looking in the realm of a 20% or so SD which can be a large amount of risk but if you can stomach it...then move on. If you have the option I would consider the same portfolio with a focus on Value funds as they seem to generate better returns with a slightly higher SD.

For the Roth, see pub 590 ( which will give you most of the answers you need.

For the house, it depends on when you think you'll be ready to purchase. 1-7 years? I would stay a bit conservative with short term bonds or CD's
7 or more years? I'd add some equity funds to the portfolio.

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