Retirement allocation


Q. I am federal employee who transferred from CSRS to FERS in October 1998, and I have 37 years of federal service at age 66. Planning retirement within the next year, and I would like to ask your opinion about my TSP allocation which is G Fund at 35 percent, F Fund at 10 percent, C Fund at 35 percent, S Fund at 8 percent and I Fund at 12 percent. Is this an allocation to keep when I retire?
A. You’re holding stocks, so you should also be holding some bonds as a hedge. Beyond that, the amount of risk you should take depends entirely upon what you will need from your account, and when you will need it. If you can afford it, you should be 100 percent invested in the G Fund.


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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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