Please help me choose a TSP fund

[Anonymous]

I'm 37-years-old, so not too close to retirement. What should I consider in choosing a TSP fund? Should I split my allocation between funds? Any and all advice welcome.

[Anonymous]

I'm 36 and went with the Target Date fund. Mine is for 2040. They invest in pre-existing TSP funds (I, S, etc.) and reallocate quarterly based on time left to retirement. Very low cost (a small fraction of 1%). Last year's return was over 13%.

[Anonymous]

I agree with an L fund too if you're completely clueless. Maybe 40/60 between the L2030 and L2040 fund. I'm 29 and initially did 100% to L2040.

[Anonymous]

Anonymous wrote:I agree with an L fund too if you're completely clueless. Maybe 40/60 between the L2030 and L2040 fund. I'm 29 and initially did 100% to L2040.

Not just if you are completely clueless. Trading frequently will usually cause more harm than good for 99% of non-professional investors. Put the money in and forget about it - not just the easiest, but arguably also the best strategy.

[Anonymous]

It was once suggested to me C,S,I, given the popular TV show. Since my Roth was international, I've just been 50/50 in C & S. it's done well for me, aside for 2009 of course.

[Anonymous]

Anonymous wrote:It was once suggested to me C,S,I, given the popular TV show. Since my Roth was international, I've just been 50/50 in C & S. it's done well for me, aside for 2009 of course.

Wow, I almost thought I wrote this! My Roth IRA is International too, so I have about 80% between the C & S funds and the other 20% in the F, I, and G funds. Actually, I think I have about 2% in the G.