Are TSP Lifecycle (L) Funds the set-it-and-forget-it solution they promise to be? Or could they actually be playing it too safe, too soon?

In this episode of All About FERS, Christian takes a closer look at how the L Funds inside the Thrift Savings Plan work, including the L 2050, L 2040, and L 2030 funds. He breaks down:

• How the G, F, C, S, and I funds are allocated

• Why Lifecycle Funds automatically get more conservative over time

• The potential downside of “de-risking” too quickly

• What federal employees should consider before relying solely on L Funds

These funds can be a great tool, but only if they align with your long-term retirement goals. Don’t let your money work less hard for you just because of a default setting.