TSP investment advice


Q. I have the lifecycle funds 2030 and 2040, and also the I and S funds. I distribute 25 percent of my account to all four. I also am putting money in them and it, too, is divided into all four of them. I want to know which is the best one to invest in. I am in the Army and I won’t retire for another 10 years or so?

A.  Without the proper understanding of your circumstances and analysis, it is impossible to give you good advice. The TSP suggests that you select the appropriate L Fund and invest all of your money there. I suggest that you select the L Fund that most closely matches your life expectancy, instead of your retirement date.


About Author

Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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