Should I buy back in?

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Q. I regrettably moved all of my TSP savings to the G fund in 2013. Should I put all or some back into an L fund or other fund now? I am within 3-5 years from retirement. 

A. You should only move money out of the G Fund if the G Fund’s expected rate of return is less than the rate needed to support your lifetime financial goals. You’ll need to figure this out before you can decide what to do with your account.

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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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