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Pension, Retirement, Investment Management , The Market Myth, September 2011
Austyn talks about 'The Market Myth' when it comes to retirement, pensions, and investment management, with TV and Radio Broadcaster Claire Sturgess, September 2011 http://austynjames.com investment management
Government TSP: What Everybody Ought To Know About TSP Lifecycle Funds
The companion blog post to this video can be found here:
http://realizeyourretirement.com/tsp-lifecycle-funds/
If you'd like to learn a 4 step investing system that gets rid of 4 painful investing mistakes, click the link below for a free investment course called Off Wall Street Wealth:
http://OffWallStreetWealth.com/
-Transcript-
Hey Everybody, Dieter Scherer here, fee-only financial planner and Founder of Realize Your Retirement. Today, we are going to go over TSP Lifecycle Funds and an example of why they aren't that great.
Lifecycle funds started cropping up in the early 2000's as a cheaper way to invest with professional advice. The idea is pretty attractive, invest your money with a lifecycle fund targeted to your date of retirement and you never have to worry about managing your investment. While the idea is great in theory, it falls short in practice. Investment management should be based on:
Your ability to deal with volatility in your portfolio
Your income and growth needs
The value of assets outside of your retirement account
The allocation of your other investment accounts
Tax minimization
Your time horizon, which is the amount of time over which you invest
Instead, Lifecycle funds only focus on one aspect of your investment management: you time horizon. As we discussed a moment ago your time horizon is only one piece of the investment management puzzle.
Fund administrators need to cater to all members in the fund. The average investor is fairly risk averse, so they are ultra conservative with the portfolio allocation.
The TSP.Gov website allows us to view the investment strategy of the Lifecycle Funds over the lifetime of the fund. I've recorded the changes in the asset allocation over time for this video.
Here, we see the change in the 2020 Lifecycle fund between its inception in August 2005 and 2020, when the fund's management ends. The portfolio shifts from a fairly conservative in 2005 to a very conservative portfolio in 2012 and an ultra conservative portfolio in 2020. As you can see, by retirement, the fund's assets will be 74% invested in the G Fund, which is government securities.
Here's the problem with overly conservative portfolios. With the medical advances of recent years, most people should plan to have a 30 year retirement. The G Fund returned 2.45% in 2011. Inflation was 3% in 2011. Money invested in the G-Fund lost 0.55% of its purchasing power. Over the long term, low returns from government securities will either shorten the life of your portfolio or drastically reduce the amount you can withdraw each year. To maintain purchasing power over the long term, it's wise to have much more exposure to equities.
What If Things Are Different When I Retire?
Our economy doesn't look like it will change much in the near future. Interest rates are currently at record lows and the Federal Reserve is prepared to keep rates low for the next several years. Low interest rates and stimulus money from the Federal Reserve will most likely keep inflation around 3% or higher.
An asset allocation that is 74% government securities will most likely not even support a conservative income from your portfolio.
Lifecycle funds are presented as a smart way and cheap way to manage your money, but this lofty goal falls short in reality. The ultraconservative allocation that these funds will ultimately reach will hamper the survival of your portfolio throughout retirement. I would encourage you to research a more optimal asset allocation for your needs or view my upcoming free video course on smart investment management. More details will be posted about the course in the coming week.
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