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Author: Byassee Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75383  
Subject: thrift savings plan Date: 1/20/2000 11:51 PM
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I'm a long term fool reader and first time board writer. I recently tried my hand for the first time with the foolish four. I feel good about it. Now my concern lies with my spouse's Thrift Savings Plan. (He's a federal Criminal Investigator) Right now my spouse contributes 5% and will max it out later this year. He has the option to choose among three investment funds. 1. Government Securities Investment Fund-this is invested in short term risk free US Treasury securities. 2. Common Stock Index Investment Fund-invested in a stock index fund that tracks the S&P's 500 stock index. and 3. Fixed Income INdex Investment Fund-this is invested in a bond index fund that tracks the Lehman Brothers Aggregate bond index. Right now my spouse has divided his contribution up as 20%, 60% and 20% respectively. I want the most bang for the buck. Wouldn't it be best to put 100% in the Common Stock Index Investment Fund? We have until the end of the month to make a decision so any suggestions would be greatly appreciated.
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Author: Canth Two stars, 250 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 18048 of 75383
Subject: Re: thrift savings plan Date: 1/21/2000 8:56 AM
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If I was in your position I would go with the
2. Common Stock Index Investment Fund-invested in a stock index fund that tracks the S&P's 500 stock index

this is assuming that you are under 50 *G*

You mind remind your fiance that there are 2 kinds of risk. Volatility and Low Return. The risk of volatility is reduced over time. The risk of Low Return in increased over time. If he can move the funds once they are in the plan putting 20% or more
into the other funds might not be a bad idea, if you
can take advantage of down turns and move the money over to the Common stock fund.

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Author: tomatogrwr One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 18049 of 75383
Subject: Re: thrift savings plan Date: 1/21/2000 9:41 AM
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Now my concern lies with my spouse's Thrift Savings Plan. He has the option to choose among three investment funds. 1. Government Securities Investment Fund
2. Common Stock Index Investment Fund-invested in a stock index fund that tracks the S&P's 500 stock index.
and 3. Fixed Income INdex Investment Fund-


I am with the VA's thrift savings plan.
I also started cautiously with an egual spread between 3 options. 2 years ago moved 100% to the C fund... our stock fund. True it might go down .. but it should do more than 4-6% in a money market for now.
I believe I can change the distributions monthly. Fortunately, I have been too busy to "mess with things", and over the year it did about 18%.

It's almost time to grow tomatoes :)


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