How to diversify my TSP account?

[mushortgurl03]

Brandi,
This is AWESOMENESS! I wanted to actually discuss with a financial advisor (not my speciality obviously...I'm a bean counter...lol) how I should diversify my TSP account. I'm in the standard account that is matched and I'm not sure how I feel about putting into the other accounts with this market. I WILL be using this thread!

[hteew]

Silly question but is your TSP like your 401k with employee match?

[mushortgurl03]

Originally Posted by hteew Silly question but is your TSP like your 401k with employee match?

Yup.

[hteew]

Ahh ok. I had mine spread out originally 50% tech stocks, 30% healthcare stocks, and 20% bonds. That was based on research from about 4 years ago on T.RowePrice. I used those white sheets that send out and publish (quarterly I think). After the big bust on tech, I decided to move 100% to the fund where they diversify based on your estimated retirement date. I think that because I have a million years left until retirement that they have me in some high risk high return funds at the moment. I try not to look at it too often!

I usually evaluate it every 2 years because I figure that fluctuations over a year are going to happen. If I see a HUGE drop I might make a change but not usually. I ride it out and I seem to be on track. My new employer is switching us over to Fidelity so I may have to change things up too.