L Fund or G Fund?


Q: I have about $82,000 in my Thrift Savings Plan, from $89,000 two weeks ago, with 80 percent going into the L2020 Fund and 20 percent into the G Fund. Should I transfer all of my fund to the G Fund, or is it kind of late now because of money having gone down since last week. Can you give me any suggestions on what I should do?

A: Sounds like you’re in over your head, like most investors. We don’t give specific investment advice through this forum. That would be irresponsible. In general, if you don’t know what else to do, I suggest that you use the L Fund that corresponds to your life expectancy.


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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 fedexperts@federaltimes.com and view his blog at money.federaltimes.com.

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