Ugh, I recently looked at my fiancee's TSP, and since she started work like 7 years ago, her TSP has been allocated to 80% government bonds. She had no idea that this was the case, nor understood the ramifications of what she has missed out on over the past 7 years.
I know everyone here says that we'd just be trying to time the market if we hold off in moving her money to equities (and all these years have been laughing at people who have intentionally stayed out of the market because they thought it was at the peak). At the same time, it's really hard psychologically to move all that money into equities, when I think to myself, "How much longer can this bull run really go? If we just wait until the next crash, we can make up for at least *some* of what she's missed out on." At the same time, who knows. Maybe this will continue to be a historic run, and I'll continue to kick myself for not getting her money in.....
What say the community?
