The target allocation of the L Funds changes automatically over time based on your projected retirement age, gradually shifting from more aggressive to more conservative as you approach your projected retirement date. The name of each fund indicates one’s projected retirement date. Once an L Fund...
In our tactical asset allocation strategy, we use the TSP G Fund as the default risk-free investment, allocating some or all of the portfolio to it as stock market conditions start to deteriorate. This allows us to lock in a safe investment return while the investment model waits for ...
How to use the F Fund in a TSP accountThe prices of bonds and stocks don't always move in tandem. Investment grade bonds are often uncorrelated or negatively correlated to stocks (bonds zig when stocks zag, and vice versa). A retirement portfolio that contains an allocation to bond funds ...
Thrift Savings Plan (TSP) Coach. A subscription site that offers TSP Fund quotes, investment, and allocation discussions for Federal and Military employees.
A Lifecycle (L) Fund serves as the default fund for new plan participants who don't specify a contribution allocation when they make their contributions. Core TSP Funds The five core funds offered in theThrift Savings Planloosely cover the basic range of publicly traded debt and equity securitie...
different time horizons. The L Funds are rebalanced to their target allocations each business day. The investment mix of each fund adjusts quarterly to more conservative investments as the fund’s time horizon shortens. There are 5 different Lifecycle Funds targeting retirement dates through 2050. ...
Fully fund a deductible IRA, rather than the Roth (but keep any Roth you have) unless you are paying little or no income tax. The reason is the money you don’t pay in taxes will compound for you over the decades. Finish funding the 401K to the max. ...