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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

  • Who it's for:
    The short-term investor
  • Consider if you:
    Were born 1958 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 2025

  • Who it's for:
    The short-term investor
  • Consider if you:
    Were born 1958–1964 or plan to need your TSP savings between next year and 2027
  • Strategy:
    Aims to provide moderate growth with a moderate emphasis on preserving your assets

L 2030

  • Who it's for:
    The medium-term investor
  • Consider if you:
    Were born 1965–1969 or plan to need your TSP savings between 2028 and 2032
  • Strategy:
    Aims to provide moderate-to-high growth over time with a low emphasis on preserving your assets

L 2035

  • Who it's for:
    The medium-term investor
  • Consider if you:
    Were born 1970–1974 or plan to need your TSP savings between 2033 and 2037
  • Strategy:
    Aims to provide moderate-to-high growth over time with a low emphasis on preserving your assets

L 2040

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born 1975–1979 or plan to need your TSP savings between 2038 and 2042
  • Strategy:
    Focuses more on the potential for high growth over time than on the preservation of assets

L 2045

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born 1980–1984 or plan to need your TSP savings between 2043 and 2047
  • Strategy:
    Focuses more on the potential for high growth over time than on the preservation of assets

L 2050

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born 1985–1989 or plan to need your TSP savings between 2048 and 2052
  • Strategy:
    Focuses more on the potential for high growth over time than on the preservation of assets

L 2055

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born 1990–1994 or plan to need your TSP savings between 2053 and 2057
  • Strategy:
    Focuses more on the potential for high growth over time than on the preservation of assets

L 2060

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born 1995–1999 or plan to need your TSP savings between 2058 and 2062
  • Strategy:
    Focuses more on the potential for high growth over time than on the preservation of assets

L 2065

  • Who it's for:
    The long-term investor
  • Consider if you:
    Were born after 1999 or plan to need your TSP savings after 2062
  • Strategy:
    Focuses 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 2025 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 2035 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 2045 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.

Based on the year you were born, the L 2055 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 2060 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 2065 Fund may be a good choice for you because you could have decades until retirement and can ride out any fluctuations in the market.