Balancing TSP contributions


Q. I plan to retire in 3 years. I have about $500,000 in the TSP. Currently I have the balance in the G fund because I feel pretty conservative as I approach retirement with that amount of money and don’t want to lose it. However, I am continuing to invest new contributions in the C, S and I funds. Does that make sense?

A: I would add some F Fund to the mix to hedge the risk in the stocks. If you’re not sure that what you’re doing makes sense, then you should probably find another way to do it.


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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 and view his blog at

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