Lifecycle Funds

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    I was just wondering what your thoughts were on the lifecycle funds that TSP has.

    Personally, as of right now, I’m vested 100% into the L-2050 fund as it will be a while before I can retire (I’m 24 years old now with about 5 years in).

    Looking at your recommended contributions, I was wondering how that differs from the lifecycle funds. Is it more reserved than the lifecycle? Would it be a good idea to change?

    Any input is appreciated, I’m just curious.




    If you want to set it and not touch it or look at it again until you retire its pretty good.

    Otherwise I’m not a big fan of it. The G and F fund combined make up 15.5% of the fund which I think for a person that is 24 is too conservative, my own portfolio currently has 10% in bonds. I’d recommend you set your own allocation to closer to what TSP Paul is recommending.


    Currently the L-2050 is allocated as follows
    G 12.4%
    F 3.1%
    C 44.37%
    S 14.78%
    I 25.35%
    I agree with Morgan in that I’m not a big fan of the L funds. It really depends on your risk tolerance and what you are comfortable with. Since I’m closer to retirement, I am a little more risk adverse and a little more pessimistic on our current economic outlook but I do think that you should be primarily in stock at your age. 25% in I is a little riskier, 15% in G
    & F is less risky. If we go into a bear market or recession, all stock funds are risky.


    Thank you for your input!

    I’ve changed my allocations to what TSP Paul has recommended!

    Thanks again,


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