Q. My plan is to retire on Dec. 31, 2018, at age 58 (under FERS). My TSP balance is just over $1 million. I plan to leave my TSP account with the federal government at this time. My current distribution in the account is as follows: G 8.83 percent; F 17.5 percent; C 31.5 percent; S 32.05 percent; and I 10.06 percent.
How would you recommend that I reallocate my funds before I retire?
A. I can’t know with any confidence without knowing the details of your financial plans, but if you’re not sure what to do, I recommend that you consider putting your entire account into the L Fund that most closely corresponds to your life expectancy.