It does not have to reset to the historical average for another large round of losses to hit your retirement funds. This is why determining the difference between normal pullbacks and larger corrections and bear markets is critical.
Best TSP Allocation
What the TSP Lifecycle Funds teach us
Lifecycle Funds
1) Buy and holding regardless of market valuations;
2) Heavily exposed to market risk;
3) Underweight global tech;
4) Underweight the effect of US corporate buybacks;
5) Achieve little diversification with highly correlated funds
TSP Allocation Guide Coronavirus Update
The funds have not changed, my strategy has not changed but the investing environment has and so must your allocations if your retirement nest egg is to survive. Denial is in the air everywhere we look. Don’t follow the herd.