Do you use your own formula for funds or do you lean towards L funds?

[peter_aka_00avenger00]

@texasjo UOPIX is available in the TSP now. I have 28% in it and 72% in C fund.

 

[paradox5050]

@john812mom L funds are trash... you don't want to invest in European and Japanese economies in the I fund and the G fund will guarantee you will lose purchasing power while inflation is officially over 9%.

C fund is the 500 largest US companies, S fund is the rest of the US Market. Any split between these two funds will work much better than any L fund.

 

[peter_aka_00avenger00]

@paradox5050 Anybody who downvoted this comment, I would insult you but consider your portfolio’s underperformance as punishment enough.

L funds are trash. Schwab literally got sued and settled recently regarding their own L funds. Money should grow, period. You don’t need safety, you need to put more money in. Especially right now.

 

[peter_aka_00avenger00]

@john812mom I was 100% C fund up until June when they introduced the Mutual Fund Window, so I bought UOPIX and now my ration is 72% C and 28% UOPIX.

L fund is a a scam because there’s a bunch of parts to it that don’t grow. The L stands for Loser, not Lifecycle.

 

[resjudicata]

@peter_aka_00avenger00 Are the fees for the mutual fund windows still insane?

 

[peter_aka_00avenger00]

@resjudicata They were never insane. $150 annual fee and my MFW is up $4,000 already. At this rate, I will never be able to contribute to the MFW ever again.