Risk Management is rarely provided for free


As I teased in an earlier post about the costs of the TSP Mutual Fund Window, there may be a scenario where it makes sense to participate in the TSP  Mutual Fund Window and pay-up.  Here it is:
 
CONDITION #1: You desire to invest in assets outside of the G/F/C/S/I Fund classes and do not have a low-cost option to do this within another current or former employer’s 401k plan;
 
AND –
 
CONDITION #2: You live in a state like California that does not protect IRAs from lawsuits.
 
The lawsuits issue is a biggie.