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If you are nearing retirement, you should think twice before taking a lot of risk in hopes of earning bigger returns. What happens if the market turns against you just as you are approaching the time that you need to start withdrawing your money?

If you've just started your career, you have quite a few years before you'll need the money in your TSP account. You can let time work in your favor, allowing you to bounce back from any losses that you might experience in the short term.