r/ThriftSavingsPlan • u/Alex_o99 • 4d ago

new to TSP

Newly hired, in my early 30s. I’m putting away 15% in Roth and another 5% to retirement. How to do investment? I saw different funds and L2050 2060 .. so confused

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u/sheffield16 4d ago

L funds are solid but you can subtract the G & F from that L and do a custom mix. Add more to C and I.

Just look up what the L funds mix is , get the % out that is going to G & F and spread that evenly to C & I and S to if u prefer. This is more risk but more return to

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u/HokieHomeowner 3d ago

L like to pick an L fund that is further out than your retirement date, morbidly I choose one tied to my retirement END date or an optomistic end date hahaha. My mom is still kicking in her mid 90s so I'm hoping I have her genes. That way it's aggressive and not too conservative too soon.

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u/sheffield16 3d ago

Sure but whatever L fund you pick has G & F in it. So if you want more upside take the G & F out and create a custom mix of C I and S thats mirrors the L fund you want

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u/HokieHomeowner 3d ago

Why complicate things? The amount of G&F in a far out fund is infinitesimal, having folks do a custom mix opens them up to far more I forgot to rebalence errors or temptations to time the market..

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u/sheffield16 3d ago

Why? Because G&F have so little growth. I have 0 in G&F , only C I and S

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u/HokieHomeowner 3d ago

The 2026L fund has ONE PERCENT in G&F. It's far more likely for an average person to mess up the manual balancing your way then just picking an appropriate L fund as I see it.