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[quote=Anonymous][quote=Anonymous]I've been a fed for 12 years and always put the max in my TSP. I now have close to $400,000. All of my. Money is in lifecycle LFund 2040. I realize I need a better mix of funds since the LFunds are not doing well.  Any suggestions? I'm 39,  married with two kids.  Thank you.[/quote]

Ummm, L2040 is up almost 6% YTD and 10% over the past year.  You're doing fine as-is.  As any boglehead would say, &quot;Don't do something, just stand there!&quot;
[img]https://i.sli.mg/wLgDbo.png[/img]

But I do agree with the other posters mentioning that the L funds are WAY too conservative.  L2040 already has over a quarter of its holdings in bonds, which is a little high for my tastes when retirement is still 20+ years away:
[img]https://i.sli.mg/uah7hl.png[/img]

Personally, I let it all ride on 70%C / 20%S / 10%G and then rebalance when the G-Fund goes &lt;9% or &gt;11%, or after a RBD (really bad day).  A mix of C:S between a 3:1 to 4:1 ratio replicates the entire US stock market.  I don't see any need for international since Coca-Cola, Ford, and Levi's (along with every other major US corporation) does plenty of business overseas.  Likewise, the G-Fund is a better bond since it never loses value (free lunch!), whereas the F-Fund can and does.[/quote]

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