Q. The L funds such as L2020 are structured toward retirement dates such as 2020. After that date, your funds are moved to the L Income Fund. I’ve seen you mention several times that if you can’t decide how to allocate your funds after retirement that we should consider the fund that matches our life expectancy. Can you explain the reasoning behind this a little more? If I am currently 57, retired and my life expectancy is 85 years of age, are you saying I should consider the L2040 or L2050 funds?

Q. Even though the federal reserve has been steadily raising interest rates lately, the TSP annuity rates have not been matching that pattern (they stay level at best). Shouldn’t the TSP annuity rates be rising, too?

Q. I have $600,000 in my TSP allocated as 41 percent in the C Fund, 6 percent in the S Fund, 22 percent in the I Fund, 23 percent in the G Fund and 7 percent in the F Fund. Is this an appropriate allocation for a 54-year-old retiring in two years? I need approximately $2,000-$3,000 a month for 25-30 years. If not, what allocation do you suggest?

Q. I have a question about repayment of a TSP loan. I want to either up my TSP contribution to 10 percent ($384 a pay) or up my loan payment by $384. What is the better financial decision? Either way, the same amount of money is going into my account, so other than the tax effects is there a preferred option? What about using the $384 to pay off consumer debt? I could pay off a credit card in about six months if I added the biweekly amount I would put into my TSP to my credit card, but obviously…

Q. I am a retired federal employee, receiving my annuity, with a balance still in my TSP account. I am a full-time professor at a university with a Teachers Insurance and Annuity Association of America contributory plan, in which I am enrolled. I have reached 70 1/2 years of age. TIAA has indicated that if I rollover my TSP into my TIAA retirement account, that I will not have to make required minimum distribution withdrawals from the TSP funds until I stop working. Is this correct? If so, is there a specific IRS regulation that relates to such a transfer…

Q. I entered federal government December 1980. Left federal government November 1998. Having 18.5 years total career tenure. Entered D.C. government June 2012 age 58. Now age 63 – five years of D.C. government. As far as retirement goes, given the facts, is my prior federal time with current D.C. government considered for retirement? If so how? If not, please explain. I need to know my options at retirement – what will my ending annuitant look like? Will the D.C. retirement office process my retirement along with the Office of Personnel Management? I withdrew from my TSP I believe $25,000.…

Q. I am 38 years old with 15 years of government service as a GS-14. I hope to work no more than 20-22 more years, assuming age 60 will give me the maximum benefit. My TSP allocations are where my concerns lie. I am blindly diversifying my account as follows: G Fund at 10 percent; F Fund at 0 percent; C Fund at 50 percent; S Fund at 30 percent; I Fund at 10 percent. I have no allocations in the L Fund. I am contemplating having future earnings go into the L2040 fund. Would you recommend this, and how much…

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