Q. I am a Department of the Air Force civilian and I plan to retire in June 2014. I will be 60 and have 20 years of federal civilian service. I currently have my entire TSP tied up in the 2020 L fund. Is it too early to put all of my funds into government funds for stability purposes?
A. It’s not a question of timing, but of spending. You can move all of your money into the G Fund, if that’s what you mean, any time you like, but you’ll be limited to the lifestyle that can be supported by its performance.