Thrift Savings Plan Asset Allocation
Statistics show that people are living longer, healthier lives. It's possible that you could spend two, maybe three decades in retirement. You'll need your TSP account to provide you with current income when you need it and continuous income to last your entire lifetime.
Your TSP Asset Allocation
If you are living in retirement and your account is heavily invested in the TSP stock funds (C, S, and I), consider shifting to a more conservative allocation, especially if you do not have other retirement funds safely invested elsewhere or other guaranteed sources of income.
Remember, after you leave Federal service, you will not be able to continue making contributions to your TSP account. However, you will be able to use interfund transfers to redistribute the money that is in your account among the available fund options. Visit Investment Funds to learn about all of the TSP funds, their features, and past performance.
An Ongoing Process
While you are in retirement, it's important to monitor your financial situation. On a regular basis, you should:
- Review your investment experience and your TSP balance.
- Assess your current income needs.
- Consider your risk tolerance and make any necessary changes to your asset allocation.
|Thrift Savings Plan|
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