3% return is not so hot if inflations exceeds 3%, as it has before and probably will again.
rest assured you are still paying the salesman's commission, just via the company's now modified compensation structure.
is there a chance you may want to 'borrow' some of the funds to help a grandchild with college, pay off the blackmailers from ashley madisson,.etc. because you can do that in tsp.
tsp g fund rates can't get much lower than they are now. now would be a good time to lock in a forever rate for a mortgage, not an annuity in my opinion. during the fed money monkey games like this 'tis better a borrower than a lender to be.
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