TSP Lifecycle Funds Colorado

TSP Lifecycle Funds Colorado


The TSP “Lifecycle Funds” (L Funds) are one of the investment options available to you as a Thrift Savings Plan (TSP) account holder. The funds are based on the time frame in which you are planning to retire. There are currently 5 L fund options available including L-2050, L-2040, L-2030, L-2020, and L-Income. For example, if you’re planning to retire in 2031, you would select the L-2030 fund to invest your TSP dollars.

The TSP L Fund Information Sheet can be found here.

The L funds are based on the idea that the stock funds (C,S, and I) are inherently risky, while the G fund by law cannot have a negative quarter, so has no downside market risk. The theory goes, when you are just starting out in your career, you should be primarily invested in the stock funds since you need to start growing your account and have plenty of time to make up for market corrections along the way. As you progress in your career, the L fund that you select will automatically rebalance each quarter to decrease your exposure to the stock funds and increase your exposure to the G fund. Each quarter your market risk decreases, until your retirement year when the vast majority of your TSP dollars will be in the G fund. See the pictorial of this in the Fund Information Sheet. 

Read more about TSP Lifecycle Funds here.


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