The Times They Are A-Changin’: What You Need to Know About TSP Lifecycle Fund Changes

Описание: The Thrift Savings Plan (TSP) Lifecycle Funds are changing more often than many federal employees realize. In this episode of Rayna Retirement, host Rayna Reyes explains how L Funds automatically adjust every quarter—and why understanding these changes is critical to managing risk as retirement approaches.

She also explains why holding multiple L Funds at once doesn’t provide additional diversification—and how, at the end of the day, all TSP investments still funnel into the same five core funds.

If you’ve ever wondered whether your TSP is still aligned with your goals—or if it’s changing without you realizing it—this episode provides clarity, education, and practical guidance to help you stay informed and confident.


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📧 Contact: Rayna and the team at American Federal Benefits Consultants
📱Call 1-800-872-8857
💻 Visit AmericanFederal.org.

YouTube:    / @raynaretirement  
Website: https://www.raynaretirement.com/

🇺🇸 Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way.
Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.