Q. I am currently serving in the Army. I have completed five years of service and have been contributing 5 percent into my traditional TSP account. One-hundred percent of my contributions are going into the G Fund. What fund or percentage of funds would you recommend? I am already a staff sergeant and will serve at least 20 years. I am also aware of the changes to TSP matching for military members and the reduction to retirement percentage that will happen if I elect to defer my legacy plan.
Q. I will turn 50 on March 8. I wanted to ensure that I did the catch-up contributions, so when I called ABC center to confirm that I did everything right, the representative asked me if I saw a box in which I could contribute and a submit button. I replied: “Yes.” He said I could enter the info for the contribution that day (this was Dec, 21, 2016) and the contribution would be effective on Dec. 25, 2016. I explained to the gentleman that I didn’t turn 50 until the year 2017. He said the pay period included 2017. Will I…
Q. I will not be retiring until somewhere between December 2018 and December 2019, but am thinking ahead and trying to plan how one should withdraw money from TSP in retirement if you want to use the monthly payment option. Can you specify that the monthly payment all comes from one particular fund? Does it make sense to put how much you expect to withdraw in a particular year in the L income fund and draw only from that fund and then adjust what you have in that fund annually? I would like to protect myself from market volatility but…
Q. I am an active-duty service member and will be eligible for retirement in about seven years. I have contributed the maximum amount allowed to my TSP account but have only been contributing for roughly five years. I maintain a large amount of cash in my personal checking account because I’m not sure I know how to invest it properly. I feel like I could be getting a better return on it somewhere but just don’t know the best place to put it. I own a small condo that we pay mortgage on that I rent, but honestly I wish I could…
Q. I have been investing for 10 years in the G Fund with minimal gains. I recently put 50 percent toward the S Fund and 50 percent toward the C Fund. Was that a smart move? I have to retire in 10 years (mandatory 57 years old).
Q. With interest rates likely to rise, driving the value of bond funds down, in the near term, doesn’t this impact the ability of the F Fund to ameliorate risk? Would you advise against new F Fund investments in these circumstances, or is there still a role for F Fund investments?
Q. I’ve been a GS employee going on six years, and I currently invest 20 percent of pay into TSP. I had been putting my funds into the L Fund 2020 (70 percent) and G Fund (30 percent), and just changed to the L fund 2040 (85 percent), C Fund (10 percent) and G Fund (5 percent). Is this a good way to invest my funds or should I place all of it in the L Fund 2040? I only have just over $24,000 in my TSP account. I’m 49 years old and probably plan to work at least another 15 years.
Q. I am currently investing in the TSP L Fund 2020 but still have money I previously invested sitting in C, F and G funds. Should I be transferring the individual funds into my current L Fund 2020 where I am now allocating 100 percent of my funds?
Q. You often express the virtues of the TSP, such as simplicity and low fees, but you also cite that the TSP offers eligible investors (i.e., federal employees, retirees and survivors) the unique G Fund. Besides being composed of “special-issue” Treasury bonds, can you elaborate on why the G Fund is a unique and valuable tool for managing ones portfolio and how one can best use the G Fund?