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Retirement Planning/TSP move from C Fund to L 2040?


I am 52, and I have all my TSP money in the C Fund: $187,000.00.  I probably will not retire until 62 or 65, and by that time I will have 30 years of federal government service, plus Social Security.  Moreover, I have no children and I am single.  Which L Fund should I switch to, and should I make a lump sum (or dollar cost average) move, now?  The market is great, but I feel it would be a mistake to be totally in it.

Richard Reyes, CFP
Richard Reyes, CFP  
Thanks for your question. I am not going to be able to help you much as the real answer requires that we ask a lot of questions in reference to your risk tolerance and expectations, your other assets, income, etc. With that said one thing is for sure that I don't agree with being all in with the C fund. Even though the choices inside a TSP are not that great and don't allow for proper asset allocation, they are somewhat adequate depending on your situation.

I would definitely move to the L funds just from the standpoint of better asset allocation and ease of management. However, which L fund I will defer that to you since you would have a better understanding of what your goals and objectives are with this money and how they correlate with your other assets.

Thanks for your question.  

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Richard E. Reyes, CFP


I can provide answers to questions relating to retirement especially relating to; income distribution, tax efficiency, long-term care insurance, life insurance, estate planning, asset protection, variable and fixed annuities, alternative investments and prudent portfolio design.


Through the years Richard has built a reputation as one of Central Florida's expert on retirement income distribution by providing sound, unbiased wealth coaching. We believe that Financial Planning is the problem and Wealth Coaching is the solution. The Wealth Coaching process gives you Peace of Mind, so you can stop worrying about your future. It helps you find happiness as it guides you in the TRUTH of investing, by teaching you how to make wise choices as you journey through your life’s stages. It is all about your relationships and what you value, not your net worth.

Seminole Success Magazine “Retirement Planning” Seminole Success Magazine “Small Business Snapshot” The Orlando Sentinel – Ask the Expert Financial Section (Various) Greater Orlando Broker Agent Magazine “The New It” Senior Market Advisor “Random Reader, Random Questions”

B.S. University of Florida, Gainesville, FL
CFP Certificate, University of Central Florida, Orlando, FL

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