Katelyn breaks down the risks of an all–C Fund TSP strategy, explaining why valuation and diversification matter—especially near retirement. She also covers the federal “use or lose” annual leave rules, including carryover limits and practical steps to avoid forfeiting earned hours.
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The Fed15 Podcast | Ep. 139: C Fund Concentration Risk + Use-or-Lose Leave Planning
Katelyn breaks down why the TSP C Fund has become a default choice for many federal employees, what it actually represents within a portfolio, and why valuation and concentration risk matter—especially near retirement. She explains the risks of an all–C Fund approach, the importance of diversification across G, F, S, and I Funds, and how to right-size equity exposure based on time horizon and withdrawal needs.
She also walks through the federal “use or lose” annual leave rules, how carryover caps work, how to calculate potential forfeiture using your Leave and Earnings Statement, and practical strategies to avoid losing earned hours in 2026—highlighting why leave is not just a workplace benefit, but part of a broader financial and life plan.
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