A: The Thrift Savings Plan, the 401(k)-style program for federal employees, offers five funds that reflect stock and bond markets. One of those, tracking international stocks, will be broadened in 2019 to include emerging markets and Canada.
The TSP also offers “lifecycle” funds that mix investments in the basic funds in ratios that vary with the expected withdrawal dates — 2020, 2030, 2040 or 2050. Those mixes become more conservative over time. In 2020, the fund with that date will merge with a current income fund and the TSP will offer funds with five-year increments through 2065.