Meanwhile, the launch of the L funds will provide an opportunity for investors to consider whether their asset allocations are either too risky or too conservative for their age and financial situations. For example, of FERS employees—who overall tend to be younger than CSRS employees—a third have all of their money in the G fund, the most conservative of TSP investments. Nearly a quarter of CSRS employees have all their money in the G fund—which may make more sense for them overall, since they generally are closer to the date at which they will want to draw out the money. However, even the current income L fund will have only three quarters of its money in the G fund, with the rest split among the other four funds in order to keep a higher potential growth element in the mix. On the other hand, some investors may decide—after comparing their investment allocations with the L fund model for their expected withdrawal date—that they are invested too aggressively.