Q. I currently have my TSP funds allocated: C Fund 50 percent, S Fund 30 percent and I Fund 20 percent. I’m currently 41 years old, and have about $200,000 in my account. I would like to achieve a 9 percent to 10 percent return each year or the most I can without jeopardizing my money. I’ll be eligible to retire at 57. Should I be putting some into G and some into the F to reduce risk? I balance my account once a year on my birthday back to C Fund 50 percent, S Fund 30 percent and I Fund 20 percent. I know there is some Monte Carlo simulation program that might be able to answer this question but thought I would see what your comment is.
A. When in doubt, you should be invested in all five basic TSP funds, all the time.