# 40% in S Fund and 40% C Fund **URL:** \ **Category:** Uncategorized\ **Created:** [November 1, 2023, 3:54pm UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750 "2023-11-01T15:54:31Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [November 1, 2023, 3:54pm UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750/1 "2023-11-01T15:54:31Z")
Want an aggressive portfolio of 95/5 to become 65/35 20 years from now with a good mix of large cap, small cap, and international. Don’t like the lifecycle mix When I look up the Total Stock Market Index, it is 87.5-90.0% SPY and about 10-12.5% VXF so I have 3-4x that concentration over the last 11 years with the TSP I noticed over the last 15 years, the C fund has outperformed the S fund. I’ve invested 5% and they matched 5% and am currently investing 11.75% and they’re matching 5% so 16.75% or $1,050/month is being invested At 40, I currently have $96,250 with 40% C, 40% S, and 20% I - no G or F funds. The L funds suggest 50% in the C, 15% in the S, and 35% in the I Due to my dilemma, a coworker thought it might make sense to have half in my strategy and half in a lifecycle strategy so I don’t regret either decision ---
**Author:** ![Smartpolitics](https://avatars.discourse-cdn.com/v4/letter/s/65b543/32.png) [@Smartpolitics](https://community.clark.com/u/Smartpolitics)\ **Post date:** [November 2, 2023, 3:16am UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750/3 "2023-11-02T03:16:32Z")
Thanks. I do like the 45/27.5/27.5 along with a 38/38/19 with 5% in the G&F funds I am at my highest international holdings at 20% Yes I’d like to be in 65-70% stocks in 2047 but also have a nice 1-2 year emergency fund ---
**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\ **Post date:** [November 2, 2023, 9:39pm UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750/4 "2023-11-02T21:39:37Z")
1. 16.75% savings rate-the most important factor that determines retirement income is an individual’s savings rate. Congratulations on your impressive savings rate. 2. 95% equity in your 40’s- make sure you are comfortable with possible significant future declines in your equity. The S&P 500 declined close to 50% during a 6 month period in 2008. 3. 20% in international-for reference Vanguard recommends at least 20% in international. 4. Learning more about investing to help your current and future decisions is time well spent. An excellent concise book is “If You Can” by William Bernstein. ---
**Author:** ![billinin](https://avatars.discourse-cdn.com/v4/letter/b/47e85d/32.png) [@billinin](https://community.clark.com/u/billinin)\ **Post date:** [November 9, 2023, 2:28am UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750/5 "2023-11-09T02:28:54Z")
> [@p1g1](#): > > 20% in international-for reference Vanguard recommends at least 20% in international. Which I have never understood. It just seems like the patented CFP cya answer. “Well I had them diversified” Anyone care to explain? When domestic markets sneeze it seems like internationals get a cold. ---
**Author:** ![p1g1](https://avatars.discourse-cdn.com/v4/letter/p/cab0a1/32.png) [@p1g1](https://community.clark.com/u/p1g1)\ **Post date:** [November 9, 2023, 6:31pm UTC](https://community.clark.com/t/40-in-s-fund-and-40-c-fund/3750/6 "2023-11-09T18:31:51Z")
> [@billinin](#): > > When domestic markets sneeze it seems like internationals get a cold. Your statement is correct to a degree. And you are in good company; Jack Bogle famously did not advocate adding international equity. However, while the correlation between U.S. and international equity performance has recently increased, the correlation is not 100%. Adding international funds thus tends to decrease the volatility of a portfolio. The folks who set up the target date funds at Fidelity, Schwab and Vanguard include international funds. Vanguard has a paper that goes over the details of the benefit of including international equity in a portfoli that is titled “Global equity investing: The benefits of diversification and sizing your allocation”