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.