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I am a 49 yr old female federal government employee.My husband is 14 yrs older than me.
When he dies, his retirement ceases and I will get nothing.

I have worked for the federal government 13 years, and will have to work another 13 yrs before I will be eligible for retirement. My retirement plan consists of a Thrift Savings Plan, wherein I contribute 10% of my salary, and the government matches it with 5%. I currently invest 60% of that amount in Stocks & Bonds, and 40% in Government bonds. I can adjust the 60/40 ratio in November of each year.

With the current stock market changes, what % do you recommend I invest in stocks & bonds/government bonds?

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