Q. I am a FERS retiree. I was told before retirement to put all my Thrift Savings Plan into the G Fund before and during retirement. Is this sound advice? I was thinking of putting a small percentage also into the C Fund. What are your thoughts on this matter?
A. It’s a bad idea if the G Fund’s expected rate of return is not sufficient to support your financial goals. Otherwise, it would be lowest-risk way to get where you want to go.