Subject: File No. S7-12-10
From: m g

July 8, 2010

As a new member of the federal government, and being that I am very young I chose the Life cycle 2040 plan offered through my FERS plan. I assumed it would reallocate my funds to more conservative stocks as I near retirment. It worries me that the fund may not become as consrvative as I believe it should be I think having details comparing life cycle plans to all investment plans availble that is shown in plain language is a great idea. I do not believe there should be a wide range in percentages that companies believe the fund will reach but they should narrow it down to one sigle percentage. As a new employee working my way into my first real job during a recession this kind of clairity would really help to put my mind at ease about my future retiremnt investments.