Don’t Buy Target Date or Lifecycle Funds

A review of the opportunity costs associated with using Target Date and Lifecycle Funds in retirement 401(k) plans, and how the sub-optimal investment allocations in the Thrift Savings Plan are costing participants more than 70% of their potential retirement income.

Contact Information

TSP Questions: tsp@watchguardcapital.com

Investment Advising Services: info@watchguardcapital.com

Links:TSP: https://www.tsp.gov

FRITB: https://www.frtib.gov/

TSP Fund Guide: www.tsp.gov/publications/tsplf14.pdf

Portfolio Visualizer: https://www.portfoliovisualizer.com/analysis

Watch Guard Capital: www.watchguardcapital.com

Investing in an Era of Fiat Uncertainty

If you were to ask Stephen Paluga about Watch Guard Capital’s investing philosophy, the contents of this paper would give you an understanding of the steps he took to reach his conclusion that we are "Investing in an Era of Fiat Uncertainty" and how to navigate it by investing in real assets.

Investing in an Era of Fiat Uncertainty.pdf

Download PDF • 312KB

The Rule of 72, Double Your Money

Video Link: https://youtu.be/O4H52Qr_UVM A review of the Rule of 72, which is a quick formula used to estimate the number of years required to double your invested money at a given annual rate of return. 

Formula:

72 / Rate of Return = Years Required to Double Your Money

Audio Special Thanks:

Audionautix – Back to the Wood