Rolling over my TSP, Gold IRA, and market timing?

Ruth Perez

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Rolling over my TSP, Gold IRA, and market timing?

ruth_perez📊Growing (50-100k)

about 3 hours ago

Key Takeaways

•I'm about to pull the trigger on rolling over a chunk of my TSP into a Gold IRA, probably around $75k.
•My current TSP is doing...
•But with all the talk about inflation and the market feeling like it's on a rollercoaster, the idea of having some physical assets just feels right.

See what your 401(k) could look like in gold

I'm about to pull the trigger on rolling over a chunk of my TSP into a Gold IRA, probably around $75k. I've been a government employee here in Albuquerque for 20+ years, and while the pension is nice, I'm really looking to diversify and add some stability as I get closer to retirement. My current TSP is doing... okay, I guess? But with all the talk about inflation and the market feeling like it's on a rollercoaster, the idea of having some physical assets just feels right.

My big hang-up right now is timing. I've been following gold prices pretty closely, and it feels like it's been a bit volatile lately. One day it's up, the next it's down. I know everyone says "don't try to time the market," and I get that. But at the same time, putting $75k into something when it's at a local high feels a little dumb. My wife thinks I'm overthinking it and should just go for it, average out over the long term. She's probably right, but it's a significant chunk of change for us.

I'm really trying to supplement that pension later on and make sure I'm comfortable, not just scraping by. Has anyone gone through a similar rollover recently? Did you even think about market timing, or just set it and forget it? I'm curious if anyone has any strategies they used or if it really just boils down to dollar-cost averaging in over time, even with a lump sum like a rollover. Thanks in advance for any input!

3 comments

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Best Answer▲ 7 upvotes

karen_robinson💼Starter (0-50k)

Hey there! Sounds like you've got a solid plan for retirement. While a Gold IRA can definitely offer some diversification, I'd just offer a gentle reminder that "stability" in gold doesn't always mean what people expect. It can be quite volatile itself, even if it's uncorrelated with the stock market. Have you looked into how its performance has actually tracked against inflation or other asset classes during different economic cycles? Just something to consider before going all-in on that $75k chunk!

Comments (3)

carol_carter💰Established (100-250k)Real Investor•less than a minute ago

Hey, I hear you on the TSP rollover and stability. I did something similar with an old 401(k) a few years back. Not quite as much as you're talking, but enough to feel like I was getting some real diversification. The peace of mind knowing a portion of my retirement isn't tied directly to the whims of the stock market has been huge for me, especially with everything going on lately. Good luck with the process!

christopher_young🌟Ultra (5m+)Real Investor✓ Verified•less than a minute ago

Hey, that's a decent chunk to roll over! You mentioned your "current TS" at the end there and then it cuts off. What are your current TSP allocations looking like? Curious if you're already in some of the more conservative funds or if this is a bigger shift for your overall portfolio.