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I, too, am a federal employee and contribute 9% to TSP plus the over 50 max. Since I am a CSRS employee, I do not get a match like the FERS employees do. That was the only positive thing I saw when the CSRS folks had a chance to switch to FERS back in the late 80s. Since the addition of the S Fund and the I Fund, my returns have gone up. I am currently invested in 50% G, 10% S and I and 30% in G until things settle down a bit. I had been in 50% G and 25% both S and I, but lowered my holdings in S & I when the market started down. I haven't lost anything in the G Fund and itt is paying 4.38% right now, so that beats inflation.

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