The same stock market feels completely different once you retire. While you're working, a drop is a discount. Once you're withdrawing from that money, a drop can lock in losses you never recover. Charles and Marcus work through what federal retirees should actually be asking about their TSP allocation — why moving everything to the G Fund isn't the answer, what the TSP's own L Income Fund implies, why co-mingled money gets pulled pro rata, and how a FERS pension changes what your TSP is even for.

Chapters:

0:00 Safety or Growth After Retirement?

0:24 Welcome + This Week's Question

1:30 It Depends: What Is the Money Actually For?

3:00 Why Market Risk Feels Different After You Retire

4:42 Is the Answer to Move Everything to Safety?

5:34 What the TSP's Own L Income Fund Tells You

6:34 The Co-Mingling Problem and Pro-Rata Withdrawals

7:38 The Bucket Approach

10:00 How a FERS Pension Changes the Math

13:12 What to Decide Before You Change Your Allocation

15:41 Your Two Enemies: Market Risk and Inflation

18:00 Apply: Your 15-Minute Call

CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/

Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice, and not a recommendation regarding any specific fund. TSP fund allocations change over time — verify current figures at TSP.gov. Past performance does not guarantee future results.

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