Should I have more diversity THE THRIFT SAVINGS PLAN ALLOCATION GUIDE › Forums › Message Board › Should I have more diversity This topic contains 1 reply, has 2 voices, and was last updated by TS Paul 1 year, 5 months ago. Viewing 2 posts - 1 through 2 (of 2 total) Author Posts December 2, 2017 at 1:22 pm #30249 bernman55Participant I am 61 recently retired for six months and have about 235k, in the L fund, should I diversify my money more to benefit a greater return. Have a relatively good cash flow at the moment. But we aren’t seeing the returns that other funds are getting. December 8, 2017 at 12:32 pm #30254 TS PaulKeymaster That completely depends on how soon you plan to use that money and your tolerance for a downturn which could take 25% of it away. If you are in the L Fund for your year of retirement, you will see virtually no capital appreciation. That can be hard to swallow when other funds are up 20% this year. I wrote in a lot more detail about my plans as I near and enter retirement in the FAQs: http://www.tspallocation.com/faq/#number4 The TSP Allocation Guide www.TSPallocation.com Author Posts Viewing 2 posts - 1 through 2 (of 2 total) You must be logged in to reply to this topic.