@clove2019
What is your advice for me on the TSP?
Well, barring reading up on the individual funds / basics of investing, I'd recommend you move your L fund to 2065 or 2070 (I'm assuming you're roughly 23 years old) and increase your contributions to the most you can afford.
Having said that, were I in your shoes I would move my asset allocation to either 80% C / 20% S or just 100% C. C is large cap index fund (mirrors S&P 500), S is small / mid cap.
The other thing to understand is that the F / G funds annual returns refers to the growth of the share price. The thing is, these are fixed income funds and their primary utility comes from the fact that they pay interest in the form of dividends (the interest is roughly near the federal reserve rate, with the G-fund being slightly lower). Infuriatingly, the 30-day SEC yield (which is an approximation for the annual interest rate) isn't shown on the F / G fund TSP pages. You can approximate the F-fund's 30-day SEC yield by looking up a total bond index fund at any other investment site.
A lot of people swear by diversifying into international funds, but I think that this is faux diversification. There's also enough data available that the cumulative 30 year return on international index funds are
one sixth that of US domestic stocks. Many people also miss the point here - the reason to diversify into international is not to maximize returns, but rather to hedge risk against US bear markets. In that regard, I think that the F fund does that better now that interest rates are > 0%.
But you're in your young 20s, so again...I'd just go with the aggressive option and put it into a total US index fund.