conversation: User (Ehan2): "I'm 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, I've started putting 15% of my pay into my TSP.\n\nI'm 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? \n\nThank you for any advice you can give, and if more info is needed I'll be happy to answer any questions."
  Self: "I think the L fund is the best choice in the TSP.  You can save a minuscule amount of expense ratio running your own portfolio, but I don't think it is worth it."
  