Q. I have eight years and nine months of government service and had my entire Thrift Savings Plan contribution in the G Fund until about two weeks ago. I had around $50,000, and I moved that $50,000 into 40 percent C Fund, 40 percent S Fund and 20 percent I Fund, and moved my contribution from 100 percent G Fund to 50 percent S and 50 percent I. I am 34 and have probably 25 to 30 years of service left. How would you rate my contribution move?
A. To rate it, I’d have to clearly understand your goals for the money and then estimate the probability of it meeting those goals. Given that the allocations you’ve chosen are risk-inefficient, they could likely be improved.