Q. I have 22 years of federal employment and had $304,000 in my TSP fund. I have always kept 100 percent in the C Fund. With the terrible year of 2018, I have seen all my gains lost and gained throughout the year. Today, 12/10/2018, is yet another terrible day with the stocks falling again since the opening I bell this morning. Today, as of lunch time, my TSP funds have decreased to about $280,400. I am wondering if I should move my money to the G Fund until this tumultuous time is over?
A. When will the tumultuous time be over? What if it never ends? If you don’t know what to do, I suggest that you put your TSP money into the L Fund that most closely corresponds to your life expectancy. That will help to balance the short- and long-term risk in your account.