Lifecycle funds


Q. What would be the affect of putting 20 percent of TSP into each lifecycle fund? It seems very diverse, but then it doesn’t.

A. The effect would be a needlessly complex TSP account with an allocation that is somewhere in the range of the L 2030 Fund, almost impossible to analyze in any useful way, and is no better diversified than any one of the individual L Funds.


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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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