The contributions you make every payday can be broken out and applied to any fund as you wish, that will then happen automatically every month, until and unless you change it. That's your contribution allocation. An Interfund Transfer (IFT) is how you adjust how much you have in each fund, transfer between funds as you put it. 2 IFTs can be made to move between and among funds each month. You can always move funds to the G fund, no limitations on that. 5% is good for starters, should be maxing out any matching funds you can get.
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