Q. I am 57 years old and plan to retire from the federal civil service in 4-5 years with 23 years. About a year ago I significantly reduced the amount going to the G Fund and significantly increased the amount going into the C Fund. The changes have resulted in a current balance of 50 percent G Fund and 50 percent C Fund. Previous to the changes, I had a much larger percentage in the G Fund. I realize I am not diversified as I probably should be. Any recommendations for reallocating my TSP?
A. If you’re not sure what to do, I suggest that you put your account into the L Fund that most closely corresponds to your life expectancy.