TSP G Fund to C Fund


Q. I am 55 and retired CSRS this past January. When it comes to my TSP investment, 50 percent is in G, 40 percent in C, and 10 percent in S. Should I move any or all of my G Fund to C?

It goes against the “buy low, sell high” philosophy, but I feel like I would earn more over time before I have to take minimum distribution if I put my G Funds back into C.

A. Your question is like asking me whether you should take a car or plane to go from here to there. The right answer depends upon where you want to go, when you need to get there, and what you’d like to see along the way. I can’t possibly know the answer to that from the information you’ve provided. The best I can do from this is to suggest that you put it all into the L Fund that most closely corresponds to your life expectancy until you determine what is best for you.


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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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