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REDDIT

Deferred comp strategy as a pensioned employee.

C
Feb 12, 2026 · 19:01

I’m a municipal gov. employee with a pension as my primary retirement. Essentially 100% base pay upon retiring. I also have about 40k in a Roth 457 deferred comp account too. I’m trying to nail down a decent strategy for investing my 457. My thought, I can afford to be a bit more aggressive with my 457 because I have my pension. If the market takes a shit, I can still retire and wait for the market to come back around on my 457 if I’m wanting to use it for something. Im thinking mostly equities, avoid target date funds. I’m currently pretty much all in with SCHG but my gut feels like that’s not sufficient.