Should I have more diversity

THE THRIFT SAVINGS PLAN ALLOCATION GUIDE Forums Message Board Should I have more diversity

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    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.

    TS Paul

    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:

    The TSP Allocation Guide

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