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Before you invest

Consider the following when you plan your retirement strategy.

1. First, let's see how many years you have to invest. Time impacts your ability to save for retirement.

2. Great! Now review the Lifecycle (L) Funds ideally suited for your time horizon.

L Income

  • What it is:
    A mix of core funds designed by our experts
  • Consider if you:
    Were born 1955 or earlier or are using your TSP savings or expect to in the near future
  • Strategy:
    Aims to preserve your assets while providing some growth

L 2020

  • What it is:
    A mix of core funds designed by our experts
  • Consider if you:
    Were born 1956–1961 or plan to need your TSP savings between 2020 and 2024
  • Strategy:
    Aims to provide moderate growth with a moderate emphasis on preserving your assets

L 2030

  • What it is:
    A mix of core funds designed by our experts
  • Consider if you:
    Were born 1962–1971 or plan to need your TSP savings between 2025 and 2034
  • Strategy:
    Aims to provide moderate-to-high growth over time with a low emphasis on preserving your assets

L 2040

  • What it is:
    A mix of core funds designed by our experts
  • Consider if you:
    Were born 1972–1981 or plan to need your TSP savings between 2035 and 2044
  • Strategy:
    Focused more on the potential for high growth over time than on the preservation of assets

L 2050

  • What it is:
    A mix of core funds designed by our experts
  • Consider if you:
    Were born 1982 or later or plan to need your TSP savings in 2045 or later
  • Strategy:
    Focused more on the potential for high growth over time than on the preservation of assets

Based on the year you were born, the L Income Fund may be a good choice for you because it provides the most conservative investment mix, while still offering you some diversification.

Based on the year you were born, the L 2020 Fund may be a good choice for you because it decreases exposure to risk as you near retirement.

Based on the year you were born, the L 2030 Fund may be a good choice for you because you may have time to ride out any fluctuations in the market.

Based on the year you were born, the L 2040 Fund may be a good choice for you because you could have decades until retirement and can ride out any fluctuations in the market.

Based on the year you were born, the L 2050 Fund may be a good choice for you because you could have decades until retirement and can ride out any fluctuations in the market.