I was born in 1979 which puts me at age 65 in late 2044, essentially in the middle of 2040 and 2050. Up to this point I have put all my contributions in my TSP L2040 fund but looking at the breakdown it seems a tad conservative. Would you choose to contribute to the 2040 fund, the 2050 fund, or DIY? For a DIY approach I would probably split the difference between the two funds for AA and rebalance semiannually or something like that. With a 30+ year time horizon until I want to start tapping these funds, 14% in G looks awfully conservative in particular.
L2040 (for October 2013):
G Fund 14%
F Fund 9%
C Fund 39%
S Fund 16%
I Fund 22%
L2050 (for October 2013):
G Fund 4%
F Fund 9%
C Fund 43%
S Fund 18%
I Fund 26%
G Fund: Government Securities Investment Fund
F Fund: Fixed Income Index Investment Fund
C Fund: Common Stock Index Investment Fund
S Fund: Small Cap Stock Index Investment Fund
I Fund: International Stock Index Investment Fund
L2040 (for October 2013):
G Fund 14%
F Fund 9%
C Fund 39%
S Fund 16%
I Fund 22%
L2050 (for October 2013):
G Fund 4%
F Fund 9%
C Fund 43%
S Fund 18%
I Fund 26%
G Fund: Government Securities Investment Fund
F Fund: Fixed Income Index Investment Fund
C Fund: Common Stock Index Investment Fund
S Fund: Small Cap Stock Index Investment Fund
I Fund: International Stock Index Investment Fund