Personal objective


Q: I contribute approximately $1,200 each month into TSP. Half of it goes to the L2030 and the other half into the I fund. Should I put everything into the G Fund until everything settles and we start seeing a steady incline in the market? Or is my allocation fine?

A: The answer depends upon your objectives. If your primary objective is to avoid downside market volatility, then the G Fund is the only TSP fund that guarantees preservation of capital, plus interest. Of course, if you’d like to maximize the odds of funding the highest level of retirement income that can be supported during retirement after 2030, then a properly diversified portfolio is the right call.


About Author

Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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