2052 L2045 – Retirement date between 2043 and 2047 L2040 – Retirement date between 2038 and 2042 L2035 – Retirement date between 2033 and 2037 L2030 – Retirement date between 2028 and 2032 L2025 – Retirement date between the current year and 2027 L Income – Individuals currently receiving monthly payments (employees, however, can choose to invest contributions into this fund) The L 2010 and L 2020 Funds were retired on December 31, 2010, and June 30, 2020, respectively, and merged into the L Income Fund. Every five years (in years ending in 0 or 5) the L Fund with that year in its title will be retired and merged into the L Income Fund, and a new fund will be created with the year in its title that is 45 years in the future. As an example, in 2025, the L2025 fund will be retired and merged into the L Income Fund, while the L2070 Fund will be created. Simulating TSP portfolios Because TSP funds are not offered in the public market (especially the G Fund as those securities are special to the TSP), it can be difficult to backtest TSP portfolios. However, most TSP funds track well-known indices and can be approximated using low-cost funds offered to the general public. Below is a list of Vanguard Exchange-Traded Funds (ETFs) that are equivalent to the TSP funds in terms of their content. C Fund – VOO S Fund – VXF I Fund – VEA F Fund – BND G Fund – VGSH The TSP can also be approximated by tracking the performance of the index each fund seeks to match. C Fund – .INX (S&P 500) S Fund – DWCPF (Dow Jones U.S. Completion Total Stock Market Index) I Fund – MSCI EAFE (MSCI EAFE (Europe, Australasia, Far East) Index) F Fund – XIUSA000MC (Bloomberg Barclays US Aggregate Bond Index) L funds can be approximated by mixing the above ETFs in percentages matching the allocation percentage of each individual component. For example, the L 2050 fund allocation may be simulated by a portfolio consisting of 41.9% VOO, 24.9% VEA, 17.95% VXF, 9.77% VGSH, and 5.48% BND. TSP withdrawals During employment Loan program There are two types of loans available (a general purpose loan and a loan for a primary residence); an employee can have only two loans active at any one time, either two general purpose loans or a