Personal opinion here. I am not giving financial advice.
I don’t like the other TSP funds because I like to concentrate my efforts on going back and forth between the C and G fund. As shown on the TSP website, the C fund has had the greatest historical returns, and the G fund does not lose any value (except over time due to inflation).
I don’t like the L or Lifetime funds because I fundamentally believe you should be in stocks when they are going up and in G when the S&P500 is going down, regardless of your age. If you are in an L fund weighted to stocks and the stock market goes down when you are young, you can lose out and if you are near retirement and your L fund is weighted to Bonds (G) and the stock market goes up you lose out.
I believe I should try to be in the C fund (S&P500) when it goes up, and out (in the G fund) when it goes down…go figure.
p.s. you could probably do this same strategy with the S fund or the I fund…knock yourself out.
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