Choosing a TSP fund


Q. I am not a government employee with almost eight years of civil service completed, and 100 percent of what I invest goes into the G Fund. I’m 37 years old. I started investing later, so I am behind, with a current balance of $11,000. Which fund should I have my money going into? I don’t want to work until I’m 70 because I failed to invest properly. I want to see my money grow so that when I do retire, I am comfortable.

A. It’s impossible to say, with any confidence, how your funds should be invested and managed without more information and analysis. But, if you’re not sure what to do, I suggest that you consider choosing between two alternatives: 1. 100% G Fund or 2. The L Fund that most closely corresponds to your life expectancy.



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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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