TSP allocation


Q. I am currently 100 percent invested in the 2030 L-fund, and I plan to retire within the next 4-5 years. Although I am concerned about maintaining my principle, I am just as concerned about inflation. Do you think it would be wise to switch to the 2020 fund now?

A: I don’t endorse or support speculative market timing. You should ALWAYS be in the lowest-risk asset allocation scheme that will safely support your lifetime cash flow needs.


About Author

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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