Transfer to G Fund a year before retiring?


Q. I plan on retiring in the next two years. I will be 53. My money is spread out among all the funds, including the L Fund. I was advised to transfer all my money to the G Fund about a year before retiring as it’s the safe fund. Is this good advice?

A. It can’t be good advice if it doesn’t rigorously consider your particular set of goals, resources and constraints. What works well for one person might produce disaster for another.


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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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