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?
Q. I am retiring in 15 months with 34 years of service at age 56. I am downsizing my house for a lower house note. I have enough in my TSP to purchase a home. Is this a good idea? The note on the house would be equal to what I would receive from my TSP. I will still have my FERS supplement and my FERS.
Q. I want to make my overall TSP more conservative. I am 56, and my TSP is very substantial (20 years’ worth of maxed-out contributions) and so are my other retirement assets. I am not feeling very risk tolerant. Currently I have 85 percent of my TSP in L2030. The other 15 percent is my last 3½ years of contributions (with catch-up) that I put in a 70/15/15 mix of C/S/I. I was thinking of moving the last 15 percent to L2030, or even moving that 15 percent into G or F/G. There was a period in the past 3½ years when I was…
Q. I’m late out the gate with my TSP account, however I’m excited that the C Fund is on a gaining streak right now. I used to have my 5 percent going to the G Fund, then whatever total amount I had in the G Fund I switched it completely over to the C Fund. I also added another 1 percent, so now I have a total of 6 percent of my paycheck going into the C Fund. I’m only a Grade 7 so finances are a little tight, and I’m sure they are going to be even tighter when it comes time…