If the TSP recommends that you use the 2030 fund because you can retire in 2032, put your money in the 2040 lifecycle fund instead. For example, IMO even in retirement you should have a good deal of money in equities. The LIncome account only invest around 20% in equities, I think being closer to 50% is more appropriate, even in retirement. The L2020 fund is about 46% equities, so that is where I'd probably put my money if I were invested in Lifecycle funds. In theory you could go the other way as well, going with the 2030 instead of 2040 because your afraid the sky will fall sooner than later.