Ask The Experts: Money Matters

By Mike Miles

L Fund and TSP transfer

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Q. Someone had a recent question about Thrift Savings Plan fund investment options in a speculative market, and I noticed in reading some of the comments at blog.federaltimes.com, a recommendation of “What’s safer than either the G or F Funds, alone, is a combination of all five funds at once. Without stocks, how are you going to hedge the risk of owning the G and/or F funds?” Doesn’t being in one of the L funds do that for you?

Also, would you move your TSP funds out of the TSP at retirement into an IRA?

A. Yes, the L funds put you in all five funds at once. I would not move money out of the TSP until I had to.

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