Q. I recently started a job as a civilian with the federal government. I’m 46 years old and I’m using the TSP retirement system. What fund should I use to maximize my money while adding 5 percent to the G fund. Should I change the allotment to another fund on the list?

A. You should always be using the risk-efficient investment allocation that will support your lifetime financial goals with the minimum possible risk. If you don’t know what that is, I think the next best thing is to use 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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