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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm the "list" poster. Basically, the G fund makes very little interest, so put your money in G or F if you are retiring soon, but otherwise go with S or I or C. I have 45% in C 45% in S and 10% in I. L has a similar breakdown, but it's also got a little in G and a little in F.

thanks for the SD and LD information!

also, I looked up life insurance and didn't find better deals. I'm 34, BTW and was looking a few years ago.

however, my husband has a cardiac thing that's pretty minimal, but would affect our rate. Since you can't get the life insurance whenever you want and you don't know what life will bring, I think it's better to just get the Federal insurance because you know they won't kick you off or raise your rates suddenly based on a health condition that may occur later.[/quote]

I'm sorry but your advice here just doesn't make much sense.  The C, I, and S funds are stocks funds for large, int'l and small companies. The G and F funds are fixed income (bond) funds.  There might be people for whom it makes sense to be 100% in the stock market with their retirement funds, but simply telling people that G and F don't make money and therefore are only appropriate for people near retirement is a recipe for problems unless you take the time to explain the risks, e.g. C, I, S funds can easily lose 20-40% of their value too.  People should understand what the funds are, and figure out what their preferred asset allocation is.  If they aren't willing to do that, then they should go with the L fund which is TSP's best judgment of asset allocation for various risks.

Likewise, if you get level funded premiums for life insurance from a company, they can't kick you off or raise your rates.  In fact, the feds are a worse option from that perspective because if you leave fed service you'll have to get new insurance, and by then it might be much more expensive.  Also the feds limit how much you can buy so you might need extra anyway.  I have never met someone in good health under 40 who couldn't get better insurance on their own, but obviously the thing to do is to check out rates and not take anyone's word for it on the internet.[/quote]

well I'm sorry my post somehow offended you, but this is a message board and I wouldn't expect anyone to just take my word for it. My choices are not based on crap. They're based on my research for my particular situation. I have had my money set up this way based on a financial planning class early in my career and it's worked out. I know what the funds are, but I am typing on my phone and I don't think I need to give an entire goverment benefits finance class via DCUrbanMom. If you gave a difference of opinion or experience, suggest it, but it has nothing to do with what I say or do.[/quote]

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