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Q. What percentage of all TSP funds are in each fund? That is, where are employees keeping their money? In my office, everyone seems conservative and most have their money in the G fund. Is this typical?

A. The TSP releases this kind of information only occasionally,  so this is not a question I can answer. I also don’t see how the answer would be of any practical use to a participant.

Q. It allows a participant to allocate his money in a manner similar to others. In my workplace, my co-workers come to me for TSP allocation advice. Is there a site where TSP has released this info in the past?

A. It’s hard to imagine a more misguided investment strategy. It’s like trying to drive from New York to Los Angeles by turning with the flow of traffic at every intersection you encounter. Most people probably aren’t going where you’re trying 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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