Ask The Experts: Money Matters

By Mike Miles

TSP allocation

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Q. I am 35 years old and am using L2040 for my fund allocation through the Thrift Savings Plan. I have been reading that I should be diversifying between C, S and I funds for a larger return, but I am not sure how to split the percentages between the three funds. How can I do that since I have 30 years or so until retirement?

A. About 77 percent of your L 2040 investment is already in the C, S and I funds. You could switch to the L 2050 fund and increase that allocation to about 87 percent. If you want more of your money than this in only those three funds, you’ll have to leave the L Funds and allocate your money directly into the funds.

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  1. michael Says:
    June 27th, 2013 at 8:57 am

    I have been moving my money around from G fund to S fund and C fund. I don’e seem to be doing to well. which of the L fund should i put my money in so i can diversify my money and make some kind of profit. I’m 53 and have 15 more years before I retire.