G Fund vs. C Fund


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.


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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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