Rebalancing TSP


Q: I had a question in regards to the article in Federal times which is about managing risk by rebalancing accounts. I have all my TSP funds in the L2030. I am 44 and expect to retire around 2030. The article mentions to re-assess your TSP and rebalance your account regularly. Since I have all my funds in the L2030, which is diversified, would it be advisable to move the money around, especially in this market? The market appears to be unstable. Prior to investing in the L2030, I used to move my funds around based on my personal instinct, which was not always the best move.

A: As long as you choose to use the L Funds, there is no need to shuffle your money among funds. Pick the right L Fund and leave it alone.


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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 and view his blog at

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