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Any Financial Advisors Out There?
me ^ | 14 Apr 2011 | hattend

Posted on 04/14/2011 1:10:14 PM PDT by hattend

I started a new government job last October (Sorry that I went to the dark side, but I have to work!)

I am participating in the Thrift Savings Plan and would like your opinion on which fund you would choose given the choice.

The choices are:

Government Securities Fixed Income Index Common Stock Index Small Cap Stock Index International Stock Index

I currently have 100% contribution going to Government Securities but that just scare the crap out of me with Obama in charge.

Which fund, in your opinion, would you consider the safest. I realize the tanking economy will affect all funds listed but would like to hear other FReepers' opinions.

Thanks


TOPICS: Business/Economy
KEYWORDS: finance; help; stocks
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To: hattend

You should also have an L-fund, based on your target retirement date. So, if you’re 10 years from now you choose the L-2020 fund. If you’re 20 years from retirement, you choose the L-2030 fund. Etc. That fund is fully diversified across all the different asset classes. That’s really the best choice for the long run.


21 posted on 04/14/2011 2:29:24 PM PDT by Choose Ye This Day ("As government expands, liberty contracts." -- Ronald Reagan)
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To: hattend

Good luck to you.

I was trained in Economics and was a financial analyst for almost thirty years so I do know a little about this.


22 posted on 04/14/2011 2:29:39 PM PDT by arrogantsob
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To: hattend

Buy low, sell high.


23 posted on 04/14/2011 2:29:39 PM PDT by dfwgator
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To: hattend

Buy a good, well-managed stock mutual fund that goes up.
If it doesn’t go up, don’t buy it.


24 posted on 04/14/2011 2:33:04 PM PDT by Snardius
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To: Choose Ye This Day

Thanks!

I do have those choices as well. I have not been given “Permission” from my wife to stay past 2 to 3 years, let alone 10-20-30 years or longer. So I am not sure if I will be staying in NWS.

But thanks for the reminder of those funds as well.


25 posted on 04/14/2011 2:44:46 PM PDT by hattend (Obama got his 3am call about Egypt. The call went right to the answering machine.- Sarah Palin)
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To: Snardius

I’ll fire up the time machine and get back to you...LOL!!


26 posted on 04/14/2011 3:16:14 PM PDT by hattend (Obama got his 3am call about Egypt. The call went right to the answering machine.- Sarah Palin)
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To: hattend

No licensed financial adviser is going to give you an opinion on an Internet chat board. You will get opinions, but they will be free anonymous opinions on an Internet chat board. How much are they worth?


27 posted on 04/14/2011 3:20:52 PM PDT by steve86 (Acerbic by nature, not nurture (Could be worst in 40 years))
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To: hattend

Get out of the Government Securities and do not invest in the Fixed income index. Depending on your tolerance for risk and fluctuations in your investments the other three are your best options. Over a long period of time ( >7 years) a well managed small cap should outperform a Common Stock index but will be more volatile.


28 posted on 04/14/2011 3:29:28 PM PDT by Timocrat (Ingnorantia non excusat)
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To: steve86

I understand that.

The advice is worth what I paid... I get that.

I had an idea of what I want to do. I’d just like to bounce if off the old sounding board.


29 posted on 04/14/2011 3:30:43 PM PDT by hattend (Obama got his 3am call about Egypt. The call went right to the answering machine.- Sarah Palin)
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