Just trying to get some interest in this board going from some Foolish Fellow Federales........I am currently contributing the matching 5% of pay into the TSP-75% to the L2020, 20% L2030, and 5% small cap (S) fund. I am about 20 years from retirement and just opened a Roth this year. Doing the math, right now the TSP is about 65% in all stock categories. My Roth is 100% in small-cap stocks (Hidden Gems) and that's about 4% of my total retirement investment. For any TSP Fools, does that sound too stock-heavy? I know the TSP would "recommend" all of my $$$ for the L2020 b/c I'm perfectly balanced with that outcome, but I'm weighing converting my entire TSP to the L2020 and leaving my Roth to the small cap world. My other option I'm considering is stopping payments into the Roth and upping my %age to the TSP to get current tax advantages (without matching funds). Is there a way to guage the tax benefits of either choice, i.e.-taking current tax credit for the TSP vs. after-retirement tax treatment with the Roth? Thanks much in advance. Cheers!
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