Q. I am 39. I contribute 12 percent of my salary to the Thrift Savings Plan. I have 50 percent in the L Fund and 10 percent each in G, I, S, C and F. I plan to retire around 62. Is this a reasonable contribution distribution?
A. On its own, it’s not risk-efficient. If you don’t have a good reason to use this allocation, then it’s not reasonable.