Q. I am 56 with 30 years of federal service, planning to retire in 2020. Currently I invest in L2020. I don’t know if it’s too late to attempt higher returns, maybe moving to L2030. What do you advise?
Browsing: L Fund
Q. I am 57 years old and plan to retire from the federal civil service in 4-5 years with 23 years. About a year ago I significantly reduced the amount going to the G Fund and significantly increased the amount going into the C Fund. The changes have resulted in a current balance of 50 percent G Fund and 50 percent C Fund. Previous to the changes, I had a much larger percentage in the G Fund. I realize I am not diversified as I probably should be. Any recommendations for reallocating my TSP?
Q. I have all of my funds allocated to the G Fund and would like to diversify my account. I changed my allocation to 100 percent G Fund in June 2016 when markets were dropping, with the intention of rediversifying at some point. With the markets continued rise, I am afraid now that I will lose money if I tried to convert now since I would be buying in at a higher amount. The loss from the conversion may be worse than the gain of increased returns from the other investment options. What are your recommendations?
Q. Do you have suggestions as to any good books/blogs/websites to read in order to understand how to properly allocate my TSP funds? I am 26 years old and have been working in the federal sector for a little over a year. From everything I have read so far, I should invest most of my allocations into the C, S and I Funds because I can afford to take risk. I would like to know of any material that discusses TSP allocations in more detail.
Q. Where would I find the actual holdings in each of the TSP funds? What stocks, bonds, etc., are in the Target Funds, etc.? For financial planning, the firm we have hired would like a breakdown of what I’m holding in my account.
Q. Just for clarification, when you say “I suggest that you invest your account in the L Fund that most closely corresponds to your life expectancy,” you mean the fund that most closely corresponds to the year of your expected end of life, not the number of years until your end of life, right? In other words, if I expect to live 30 more years (or until 2047), I would invest in the L2050 fund, as opposed to the L2030 fund?
Q. Currently I have 100 percent of my contributions on the L 2030. I’m not planning on withdraw on the target year, what happens to my contribution balance then?
Q. I retired three years ago and put my TSP funds in the L fund. I will be 70 years old in November. Should I move my money into the L 2020 fund, since I noticed that the rate of return is significantly higher and I will not be needing to take money from the TSP until I am 70 ½ years old?
Q. I am 57 years old and relatively new to the federal work force, having been in it three years so far. I plan and frankly need to work until that golden age of 72 1/2. That leaves a whopping 15 years until retirement. I currently invest 80 percent of my contributions to the L2030 and 20 percent to the L2040. I am considering allocations into the L2050 funds. I am, of course, looking for the potentially biggest bang for the buck. What are your thoughts?
Q. I have recently retired ,and my TSP is allocated in the F, C, G and I funds. Should I now move all of them to the L Fund at once or in increments? What percentage should I be withdrawing if life expectancy is 20 years?