<prompt> Human: Im 26 years old and recently got a raise that has allowed me to begin putting more than the minimum-to-get-full-match 5. To be specific, Ive started putting 15 of my pay into my TSP.Im a novice at investment and would like to put my savings into the funds that will get me the best ROI. Currently, and for the last 2 years, all of my TSP savings have gone into the L2050 fund which is apparently professionally managed. My question to you all is, can I do better? Since I am young and plan to work 30 more years, should I be splitting my savings between the more volatile C, S, and I funds rather than the L2050 fund? If so, in what percentages? Thank you for any advice you can give, and if more info is needed Ill be happy to answer any questions.  <response>: The TSP L LifeCycle, essentially their in-house Target Date funds are well-constructed. Given your age, you could switch to a 100 stock allocation instead, but this would involve taking more risk, so make sure youre comfortable with that. 