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Q. I have approximately 12 years before I retire. I have 5 percent of existing money located in the G Fund. Should I be placing this in a different fund that may give me a higher return versus this fund? Should I be carrying money in any of the L Funds? Right now, I use the G, C, S & I.

A. I can’t possibly tell you what you should do based on these facts. No one can. If you don’t know what to do, I suggest that you invest your money in the L Fund that most closely matches your life expectancy and withdraw as little as possible in retirement. If you’d like to consider a more advanced solution, you may email me directly at mmiles@variplan.com.

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