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So this is a very quiet board, but yet I suspect there are a fair number of folks who read it. I am a contributor to the TSP, as is my husband. I haven't changed my allocations since the day I started in the Federal government (20% to each of the 5 basic funds). I max out my contributions but am not old enough for catchup contributions. I'm 19 years away from retirement.

Some other basic info about me: My taxable portfolio is primarily individual stocks and cash. I don't understand other vehicles well enough to play. I am relatively risk-averse and have held many individual stocks since I was in my teens. On the other hand, I capitulated at the bottom of the market in early 2009, at which point I dumped many of the funds I'd had in my (at the time) 401(k). I did not re-enter the market with those funds until I rolled over the 401(k) to a Rollover Roth in October of that year, and even then re-entered carefully. Some of that money is still sitting in cash, though it's a very small fraction at this time.

So -- if you were in my shoes, how would you change allocations, if at all?

ThyPeace, tossing out a question I haven't had much time to think about, but figure it's worth it.
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