Thrift Distributions

Dave breaks down how he thinks Lynn should disperse her thrift distributions among the five choices in her savings plan.

QUESTION: Lynn is required to retire at age 56, which is seven years from now. She only has five choices in her thrift savings plan. What does Dave recommend in terms of percentages and placements in these volatile times?

ANSWER: All times are volatile. I would put 60% in the C, put 20% in the S fund and put 20% in the I fund. Don’t put any in the F or the G.