Thrift savings plan c fund. Even the lifecycle funds barely use it.

Thrift savings plan c fund 02% year-to-date (YTD), and as of December 6 th, is almost to 30% for 2024 with a YTD As of yesterday 26 Dec, the S fund has now surpassed the C fund for 2023 YTD returns! S fund = 26. So far, so good. Officially, its inception date was January 29, 1988. One benefit most federal employees rely on in retirement is the TSP (Thrift Savings Plan). Change in . G fund last year only did around 1% which would take you 72 years to double your money. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees I do 100% C Fund. On Yahoo Finance you can use the ticker ^SP500TR and on Google Finance you can use SP500TR. diversifying with C, S, and I funds? I see a lot of advice in this subreddit to use C, S, and I funds, distributed in descending order or C and S funds. You can move your money out of the C Fund when the value is HIGH into another fund. There’s no guarantee the outperformance would continue of course, but I’m not convinced a $200 yearly fee makes this a no brainer, especially for those with a higher balance and no good options. Federal employees enjoy the benefit of having a retirement account called the TSP (Thrift Savings Plan). stocks, lost over 55 percent of its peak value. Treasury security to index funds made up of domestic and international stocks. I am just under 3 years from retirement. C Fund is basically S&P 500 index and it's one of the several funds you can choose to invest in. The Thrift Savings Plan (TSP) is a vital retirement savings tool for federal employees and military personnel, offering a range of investment options tailored to different risk appetites and retirement goals. The C Fund is a passively managed fund that remains invested according to its The Thrift Savings Plan was established in 1986 to help federal employees invest in a tax-advantaged retirement plan with similar benefits to a 401(k) plan. The S fund has a unique advantage over the C fund if you have non-TSP investments as there is no equivalent fund, so you're adding more diversity to your portfolio. I was 100% C/S fund until the fall of 2020. You could also go 80/20 C/S and make up the international through a Roth IRA or the TSP's mutual fund window. than C Fund. Whether you're seeking steady growth or high potential returns, understanding these differences will help you make informed investment decisions to optimize your TSP With over $845 billion across more than 7 million participants at the end of 2023—including 116,000 TSP millionaires—the US Government’s Federal Thrift Savings Plan stands as the world’s Learn the rule of 72 and do the math on the returns of each fund. It can C Fund. It is similar to a 401(k) C Fund: a large-to-mid cap stock index commingled trust that tracks the S&P 500 Stock Index. The performance of the C Fund is evaluated on the basis of how closely its returns match those of the S&P 500 Index. You are 100% in stocks with 0% in bonds, but you have 30+ years until you plan to spend the money. 05/01/01. They are all pretty clear and the C and S funds are easily translated to the boglehead style. 03% return since 1/29/1988. . Ive been in the Army for 14 years. " Pages 5-12. Recent numbers from the Federal Retirement Thrift Investment Board (FRTIB) certainly bear this out. All of the current and historical daily share prices for the Thrift Savings Plan (TSP) are listed below. See the Summary of the Thrift Savings Plan for detailed I moved from 80/20 C/S to 50/50 C/G 10 days ago. In the Yahoo Finance graphic I did post the 1 year return of the S&P 500 Index which was 26. I put it back in in November and am back to 4. The C Fund makes up a portion of all of the Lifecycle (L) Funds Boglehead actually recommends allocating between stocks and bonds, not between C and S, which are both stock funds. A. Most people understand that the C fund is S&P 500 Index (500 of the "top" companies in the U. In the short term, shouldn't that be similar to the long term growth life cycle fund? Thrift Savings Plan 2023 Benchmark Study Aon Investments USA, Inc. I use trading view and look at it every day. (“Aon”) review and evaluate the appropriate indices to use for the following investment options: • Common Stock Index Investment Fund (C Fund) As a lifelong federal employee I was fortunate to have access to Uncle Sam's pre-tax Thrift Savings Plan, TSP. Janet Yang Rohr, CFA May 6, 2024. Another way of saying that is that TSP participants’ investments in the C Fund were reduced by 48 cents for every $1,000 invested. Yes, past performance isn’t indicative of future returns but let’s call a horse a horse, shall we? Get your international exposure somewhere else with emerging markets if The Board currently has contracts with BlackRock Institutional Trust Company, N. 5 Great Money Gift Ideas in 2023. Every TSP participant has an option to invest in C The Board currently has contracts with BlackRock Institutional Trust Company, N. Thrift Savings Plan Monthly Update for January 2024, by Jennifer Meyer, CFP®, ChFEBC℠, AIF® The C fund was the best performing fund in January, with a positive 1. 94% The higher average returns of the S Fund are due to 5 separate years when it had significant returns. The TSP was created in 1987, starting with the G Get current/historical TSP performance and share price history data for the Thrift Savings Plan (TSP), a 401(k) style savings plan for federal employees. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees An Overview Of The Thrift Savings Plan (TSP) C Fund (Common Stock Index Investment Fund): Tracks the performance of the S&P 500 Index, investing in stocks of large- and medium-sized U. Along with the “G” Fund and the “F” Fund, the “C” Fund was originally the only option in the Re: Thrift Savings Plan (TSP): all in on C Fund? « Reply #20 on: April 09, 2020, 11:50:27 AM » I decided to check on my account and saw my Personal Investment Performance is only down 12% in the last 12 months. I plan to use the G fund as my portfolio’s sole fixed income fund alongside my stock index funds. Plan Overview Description and Beneits • Similar to a civilian 401(k) with individual accounts The funds are always listed in the same order (as far as I've ever seen, at least) so you can put that formula in cell A1, and then B14 will always be the C fund price from the last closing day. You probably would want more C and less S, but that's your choice. Below are the TSP fund performance figures for the G, F, C, S, I and L investment funds as calculated by the Thrift Savings Plan. The mindless “C FUND!!” baying is getting on my nerves. When the C Fund is LOWER than it was when you moved it you can move it back into the C Fund. Thrift Savings The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. The C Fund, which tracks large cap U. stock index fund invested in common stocks of the 500 companies in the Standard & Poor's 500 (S&P 500) Index. The L funds would be in between these 2 funds. I have small cap and international covered in my non-TSP accounts. The C,F, and I Funds are three of the five funds in the Federal Government’s Thrift Savings Plan (TSP). The S fund gave back some it’s year %PDF-1. 39% for Dec 2024 Overview; Interactive Chart; More. 0. 10. Currently up 24. e. The S Fund (invested in small cap stocks) and I Fund (which tracks international equities) suffered even larger drawdowns. Level Chart. At the 31 year mark and getting close to 2 mil, when I hit that I’m RETIRING!! Max out your TSP, including catch-up contributions when applicable, put your Stay with the C or S fund or a combo of both especially during market corrections until you retire. BlackRock Institutional Trust Company, N. I moved out a little early. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees 19 votes, 50 comments. Anything above that, I hope you're really keeping an eye on what the market is doing. my account is set up for 50% C Fund, 50% S Fund. But I’m personally 100% C Fund and will stay there until 5 years before retirement. Historically, the C fund has outperformed the S fund but it's always possible that this may change. 100k to 500k, id use the C. The F, C, S, and I Funds invest in commingled trust funds, in which the assets of tax-deferred employee benefit plans are combined and invested together. S fund employee has $496,707 today. 83% of the time). I wish they had an equal weighted S&P 500 or a US Treasuries Fund though. 6 %âãÏÓ 16 0 obj > endobj xref 16 55 0000000016 00000 n 0000001687 00000 n 0000001786 00000 n 0000002356 00000 n 0000002469 00000 n 0000003034 00000 n 0000003298 00000 n 0000003384 00000 n 0000003997 00000 n 0000004267 00000 n 0000004609 00000 n 0000004872 00000 n 0000005357 00000 n 0000005623 00000 n 2025 contribution limits — The Internal Revenue Code places specific limits on the amount that you can contribute to employer-sponsored plans like the TSP each year. The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. C fund employee has $700,208 today. One other huge benefit of keeping it open is that you can merge unencumbered 401k's into your TSP in the future. If you have 100k or less, id move it into the S because it is more aggressive. " Thrift Savings Plan. You can easily look up the facts. 1 million are actively participating through payroll deductions), and more than $845. The Thrift Savings Plans saw huge improvements last month, posting mostly positive returns. It is the index that it tracks. Each of the ten L Funds is a diversified mix of the five core funds (G, F, C, The Thrift Savings Plan (TSP) – Learn About The Fund Options The TSP has a selection of individual funds that offer broad market diversification. Should I move current investments out of the lifecycle funds altogether? Should I do all C? C and S? I'd suggest switching to C fund or a split of C and S funds and forgetting about it. New in 2025: higher catch-up limit for ages 60, 61, 62, and 63. Or you can use the C fund to hedge some of the S fund's volatility, while using the S fund to boost overall returns. relative value . TSP Account Number. As of the end of last month, the investment growth of the C fund was at 28. 13%. 87% last month Because 80/20 is the rough makeup of the stock market by value - 80% of the money in the market is large companies, 20% is small/mid. , to manage the F, C, S, and I Fund assets. (*Due to daily market swings, companies’ relative positions change often. Exactly. See the Summary of the Thrift Savings Plan for detailed A Thrift Savings Plan (TSP) is a retirement plan offered to federal service employees and members of the uniformed services. Click the fund name below for a link to the TSP. But most people don't understand that the S fund basically tracks all the other stocks that are not in the S&P 500. User ID. To provide . The data never lies: In 2008 the I Fund lost -42%the C Fund only lost -36% In March of 2020 (due to Covid) the S Fund lost -21%the C Fund only lost -12% In 2022 the S Fund lost -26%the C Fund only lost -18% A quick calculation shows that average returns for C,S,I, & L2040 since 2006 (when L2040 started) were 10. TSP participants have various fund options The Thrift Savings Plan (TSP) is a defined contribution plan for United States civil service employees and retirees as well as for members of the uniformed services. The other two core In most important ways, the Thrift Savings Plan, or TSP, a retirement savings plan for government workers and the largest defined-contribution plan in the world, is a model for other workplace See, this is where you have to be careful looking at specific time frames. Been in C fund since 2002. 2 years to double your money. They recommend 75% C and 25% S and recommend setting your contributions to 30C/60S/10I. See the Summary of the Thrift Savings Plan for detailed If 50% of your investments are in TSP and 50% in an IRA, then split it up - could be 100% of your TSP is C, 30% of the IRA is an S&P 500 fund (VOO), 40% is US mid/small cap (VXF), and 30% is international (VXUS). Thrift Savings Plan. government agency or uniformed military services. I’m 20% VTIAX and I fund. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees 22% for 2023. If you have $500k in the C fund and $500k in the G fund, a withdrawal of $100k will pull sell $50k of each fund, but if immediately after withdrawal you rebalance your fund to be $500k in C fund, $400k in G fund, TSP will sell another If you're trying to time the market then G fund is what you want. Among the Yes. The TSP also offers Lifecycle (L) Funds. My TSP investment strategy is aggressive - likely will remain somewhat so into retirement. 69, 10. The C-Fund was one of the original 3 TSP funds that began in the late ‘80s. companies Match the . You can use SPY to proxy this. G, F, C, S, and I. 68% return. As of December 31, 2023, TSP has approximately 7 million participants (of which approximately 4. companies (To match the performance of the Standard & Poor's 500 Index) The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. 5% since last January in my IRA and I haven’t checked TSP 3. I have always maxed out my TSP and always had at least 70% in C. Unlike an IRA (individual retirement account), the TSP allows federal employees to receive employer The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. I'm 64 and all mine is in the C fund. $62,000 in my TSP. I’ve been The Federal Thrift Savings Plan (TSP) is a retirement savings plan for civilian and military employees of the United States Government. This is a stock market The S&P 500 is the index tracked by the C Fund, and the C Fund is, by far, the largest of the Thrift Savings Plan’s stock funds. Then 20% in the I fund, and 20% in The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. I am a government employee and thus TSP is my government version of a 401k plan that I contribute to. Who Can Here’s the link for the S&P 500 fund comparable to the C Fund for the same time period without the $200 yearly fee. 064%. Anything different would be overweighting towards large caps (C fund) or medium and small caps (S fund). Our Trading Model Throughout history, the S Fund has outperformed the other What Is the Thrift Savings Plan? The Thrift Savings Plan gives federal workers and military personnel the opportunity to invest in a tax-advantaged account for retirement. Don't get me wrong, L2040 still isn't bad. Similar to a 401(k), it provides a tax-advantaged way to save for retirement by allowing participants Thrift Savings Plan (TSP) Coach. Returns are very similar. The closest you can get would be something like 55/15/30 C/S/I. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees It does have a purpose. I don't touch TSP too much though, I have an IRA for that. Looks like the right move. Conversely, our money already in the plan has consistently been mostly C These are the top 50 approximate percentage holdings in the C Fund, as of January 4th (scroll over the charts to get detailed info). Barring WW3 or armigeddon. Treasury security specially issued to the TSP. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees The G fund actually beat the CPI inflation rate 30 of the last 36 years (i. However, since the NAV of the G fund is backed by the Treasury to be held constant, the result of G is the higher interest rates of bonds + the security of a money market fund that seeks to preserve capital. We Hello, I had been contributing 80/20 C/S for years, but I noticed today that the S fund has underperformed relative to the C Fund at 1 year, 3 years, 5 years, 10 years and Lifetime of Fund according to the TSP website. com is not affiliated with the TSP, Thrift Savings Plan, tsp. g. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees In depth view into Thrift Savings Plan C Fund Monthly Returns including historical data from 1988 to 2024, charts and stats. If you’ve been investing in the Thrift Savings Plan for more than just a few years, I’m sure that you remember what happened to the TSP stock funds during 2008 and early 2009. In TSP Talk you will get information on I posted this chart last week showing the best TSP fund over any timescale with some basic assumptions, such as maxing out your TSP every year and buying one fund continuously over that time span. "Fund Information, March 2024. 04% in value. In our professional opinion, the only stock fund worth putting your hard-earned money into is the C Fund. For instance, C fund has an average of around 10% since inception which will take you 7. They’re based on the idea that younger federal employees can handle At 23, that's probably an adequate allocation. The L Funds are a combination of these 5 basic funds. If you were to have held a money market fund from 2009 - 2022, you'd be making something like an average of 0. Close behind was the S Fund The C fund is an S&P500 index fund so it mirrors the index exactly. TSP has C, S, F, G, I funds and life cycles based on your projected retirement time frame. com nor any of its partners or representatives is in any way affiliated with the United States Government, The Federal Retirement Thrift Investment Board or the Thrift Savings Plan, and that the service being offered is not sanctioned by the United States Government, the Federal Retirement Thrift Investment Board or the Thrift Savings Plan. C14 would be from the day prior, if you wanted TSP Thrift Savings Plan Talk - TSP Talk provides TSP fund allocation information and help for government employees and military personnel participating in the TSP (Thrift Savings Plan) program. medium-sized U. Federal employees. , of BlackRock, Inc. Over the same period, a portfolio of 50/50 C & S fund would have returned approx. The Common Stock Index Investment Fund (C Fund) invests in large The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. of currency. Lifecycle funds take a retirement “target date” approach to investing. Okay. S In our professional opinion, the only stock fund worth putting your hard-earned money into is the C Fund. Deb is not in the least bit a swing trader. C fund has beaten all funds at an 11. 01% return in November. If you look at the data as of Jan 2022, the C fund has outperformed the S fund over the last 1, 3, 5, 10, and lifetime (granted lifetime is a lot longer for the C fund). That said, the highs are usually a lot higher when the S fund leads and the lows aren't that much The Board currently has contracts with BlackRock Institutional Trust Company, N. See the Summary of the Thrift Savings Plan for detailed ~80/20 C and S approximates the total US stock market (similar to Vanguards total stock market funds VTI/VTSAX. Thrift Savings Plan C Fund Monthly Returns is at -2. The F Fixed Income Fund tracks the Barclays Capital U. I made a post last week or 7 days ago and changed everything from C 100% to G fund 100%. 4 billion in assets under Leading the way last month were the common stocks of the Thrift Savings Plan’s C Fund, which gained 2. large cap stock index fund that tracks the S&P 500 index. 50% S Fund 50% C Fund The remaining 50% is almost all in stocks (split of C/S/I) with an inconsequential amount in G/F. You can use AGG to proxy this. Which is why I've reallocated a portion from C to the S Fund and G Fund. I’m 10% VBTLX and F fund. I am doing annual max and also have another 130k in non-tsp retirement funds (IRAs). International markets outperformed over several five year moving averages in the last 100+ years, but just not within the last decade. Last 1 year alone has the C fund up over 23% and the S fund down over 1%but again, it comes down to the time frame you choose and it's absolutely Since the Thrift Savings Plan limits investors to just five funds and only two inter-fund transfers a month, it really is not appropriate, at least in our minds, to make allocation decisions based on market timing or overly complex analysis of Actually C Fund is the most recommended fund, although some people prefer S Fund, or a split along lines of 60% C, 30% S, 10% I. So I just have a Vanguard bond fund off the side outside of TSP where I put some IRA and previous job rollover funds. The purpose of the TSP is to provide C Fund (Common Stock Index Fund) — investments in Barclays Equity Index Fund that tracks the S&P 500 stock index I The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees I created the Thrift Savings Plan (TSP) For Swing Traders group specifically to keep the swing trade discussions out of the main group. January February March April May June July Thrift Savings Plan (TSP) Summary of Returns. The TSP does not have a total stockmarket fund but you can replicate this with a 5 to 1 ratio of C and S funds. One question that often arises among TSP participants is whether allocating 100% of their investments to the C Fund—a fund that mirrors the performance [] I’m in that group. See the Summary of the Thrift Savings Plan for detailed The C Fund Common Stock tracks the S&P 500 per this link. Introduced in 1986 as part of the Federal I Fund: EFA (iShares MSCI EAFE ETF) F Fund: We use AGG (iShares Core US Aggregate Bond ETF) G Fund: No market equivalent. The exception was the international stock index investment I fund, which also improved but posted a -0. Own 75% of the C Fund and 25% of the S Fund to simulate a total US stock market portfolio in your TSP. i set The Thrift Savings Plan (TSP) Facebook group has mostly buy and hold (B&H) investors. I personally am at 90% C, 10% S and 100% of future contributions going into C fund I feel we are in a bubble and the downside protection of the C is greater than the S fund while still providing me very comparable growth When the next recession comes I’ll increase all my future allocations to the S fund to “buy the dip” This is just my In this blog post, we delve into the distinctions between the Thrift Savings Plan's C Fund and S Fund, examining their objectives, investment compositions, risk levels, and historical performances. This fund is a short-term U. So yes, the The C fund covers the S&P 500, and the S fund covers everything else. " Pages 3-4. It mimics a 401(k) plan that is available to private sector employees; both plans allow employees to contribute part of their pay to their retirement account, and still collect a match from their employer. Like people can’t remember as far back as the 2000s, when the I fund regularly crushed the C fund, or the early-mid 2010s, when the S and I funds would often outperform C. The C fund can be represented by Vanguard 500 Index The problem with any L is their International fund allocation; I-fund performance has been unimpressive. Over time, you need to slowly shift to less aggressive allocations. That makes the I Fund just barely better than the G fund on a long term average!In other words, returns on L2040 were nearly 3% lower than an 80/20 C&S. Dividends. It is akin to a 401(k) plan, offering participants the opportunity to save and invest part of their income for retirement, receive matching agency contributions, and reduce their current All Thrift Savings Plan (TSP) funds saw another round of modest increases in returns for September, continuing the positive momentum in federal employees’ retirement investments of the previous few months. As young as you are, you shouldn't have much to worry about. But my calculations show that I will be just fine with a 5% ROI going forward. 66 respectively. According to the FRTIB, total TSP fund assets were $895 billion as of March 2024. It’s not a tough nut to crack. The S Fund Small Cap Stock tracks the Dow Jones U. Aggregate Bond Index per this link. 5% return for the year. But if you take the TSP C fund share price on any day, you will find that it closely tracks the total return index. 3% while being only slightly more volatile than holding just 100 C fund. Stocks of large and . Even the lifecycle funds barely use it. Note this is not the actual price of the C fund. 22% annualized returns over last 3 years. First, we’ll cover the C Fund, which would probably be the fund you would pick if you were only The Thrift Savings Plan (TSP) is a retirement savings program designed for federal employees and military members. The C Fund is one of 5 basic funds. You assume a Lifecycle Fund is the right fit. It says S fund was I'm starting a new job with the federal government soon, so I'll have access to the Thrift Savings Plan for retirement savings. L-2060), v. 9% average APY. VT is the Vanguard Total World Stock Market Index Fund/ETF. However, my current invested amount are L2050 305k, L2065 6k, C fund 51k, S fund 98k, I fund 11k. S fund share prices dipped for a couple years so the goal was to purchase while they were “discounted”. 92% I Fund: 4. It can provide you an additional source of retirement funds even if you don’t retire from the military. It's important to note that it also had a few years of sgnificant negative returns. The C Fund tracks the performance of the S&P 500 index. See how the contribution limits have changed. So, lets say you switch employers in 10 years, you can roll your 401k into your TSP account, which will always be nice because of its simplicity and low fees. 84, and 7. Some companies The thrift Savings plan (TSP) stands as a pivotal component in the retirement planning landscape, particularly for U. I messed up and took it out the first part of 2023 and lost out on around 15% return for the year. performance of the Standard & Poor’s 500 (S&P 500) Index Market risk, inflation risk Moderate. , the largest money manager in the world with over G fund aside, here are the key building blocks for a "build-your-own" TSP plan; TSP investors who would like to model out their portfolios' exposures using online portfolio tools like the ones New fed employee here, my TSP was automatically put into L2050 when I signed up. Thrift Savings Plan Monthly Update: the C and S Funds C Fund performance has been strong so far this year, with its best two months coming in February and November with each month at over 5%. s. 36, 2. That being said. The TSP C Fund tracks the SP&500 Total Return and NOT the SP&500. Beginning January 1, 2025, participants age 60, 61, 62, and 63 who are eligible for catch-up For what it's worth, you could manually rebalance your TSP to effectively withdraw from the fund you want to. Unlike an IRA (individual retirement account), the TSP allows federal employees to receive What are the best Thrift Savings Plan (TSP) funds in which to invest? How should federal employees be investing in the TSP as they approach the end of their federal careers? One benefit most federal employees rely on in retirement is the TSP (Thrift Savings Plan). Given my start time at the end of 2017, 100% C Fund has been the best single fund over that time period. But have only been around under 4 years. That is why being mixed in C&S is Coming off a strong 2023 (and December 2023), the core funds in the federal government’s Thrift Savings Plan saw mixed results in January 2024—with three of the five showing negative returns. In other words, the S fund employee has actually lost money the last 3 years. The data never lies: In 2008 the I Fund lost -42%the C Fund only lost -36%; In March of 2020 (due to Covid) the S Fund lost -21%the C Fund only lost -12%; In 2022 the S Fund lost -26%the C Fund only lost -18% TSPMarketTiming. I honestly dont understand TSP, so can anyone explain the difference and help me understand which is better? My Account. It tracks all investable stocks in the world and weights it based on the country’s market cap. Janet Yang Rohr, CFA Dec 12, 2023. I kept mine in C fund throughout my government career. market prices. L Fund is perfectly fine. I am ~40% in the G fund. gov, frtib. You might also want to add some international exposure with I. I have minimum 12 years until retirement. I don't like the current valuation of the SPX here either. Mutual Fund Window In June 2022, FRTIB launched the new Mutual Fund Window (MFW). The Board currently has contracts with BlackRock Institutional Trust Company, N. Take advantage of this dip and benefit later from the tax free capital gains as the market recovers. 35% YTD Great job to all the S fund folks sticking it out from the dark days in October when the S fund gave up all its gains in 2023! Learn about the Thrift Savings Plan (TSP) and how it can benefit federal employees and uniformed service members for a more secure retirement. Now there are 4 L funds that have beaten the C fund. Can someone explain to me the difference between having a life cycle fund set for ~30years (e. What to Know About the Federal Thrift Savings Plan TSP G Fund. Pick a strategy and stick to it. Forgot your account number or user ID? My Account, Plan Participation, Investment Funds, Planning and Tools, Life Events and The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. Thrift Savings Plan C Fund Monthly Returns (I:TSPCFMR) -2. One acquaintenance decided to leave his savings during that time in the C Fund and took a $60,000 loss. This is roughly the equivalent of the US Stock market and makes the risk The U. S. C Fund - S Fund - I Fund - F Fund - G Fund The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees and members of the uniformed services, including the Ready Reserve. S Fund: One goes all in on S Fund because it's out performed for 20 years, the other goes all in on C fund. If you started investing at any time in the history of the TSP before June 1, 2022 and decided to go with one fund and not constantly switch it up, and you kept investing through today, the C Fund has been better. There are only five investments available in the Thrift Savings Plan (TSP), so let’s take a detailed look at them one at a time. The rules-based system has specific criteria that have to be met for assigning the percentage allocations of the Thrift Savings Plan funds (G, F, C, S, and I Funds). If you want, switch to the Roth TSP especially during this huge bear market. Federal employees and members of the uniformed services. Unfortunately, the TSP bond fund (the F fund) seems to be garbage. You can choose to have your retirement dollars invested in everything from a short-term U. The C Fund holds all the stocks included in the S&P 500 Index in virtually the same weights that they have in the index. C Fund: 9. S fund has -0. A participant with $1,000 invested in the C What is the best way to allocate the investments inside of your Thrift Savings Plan account? One financial advisor explains to a young investor what he considers to be the best strategy for building the most retirement The TSP has a selection of individual funds that offer broad market diversification. I personally do around 49% C Fund, 12% S Fund, 39% I Fund, which mimics VT. So 50% C and 10% S. It turns out by holding roughly 80% C and 20% S you will closely approximate fund window in the Thrift Savings Plan (TSP) as well as provide participant statistics and diversity demographics of the investment manager of the assets in the Thrift Savings Fund. If you follow Boglehead principles, a mix of C, S, and I is best. professionally. I’m 42 years old. which include L2020, L2030, L2040, L2050, and L Income Fund. Plan on going back to the 80/20, just not tomorrow. Here is why. I know, “yOu CaNt TiMe ThE mArKet” Weirdos will get so upset if you do something against the grain and it works. Funds. The recency bias is people seeing the performance from the post 2011 bull market. In that regard, long term returns may potentially be higher than C fund. Completion Total Stock Market Index per this link. The only thing she does is occasionally adjust her current position to bias more toward the better performing of the two funds, then uses the Thrift Savings Plan (TSP) I fund. There are more than 3,400 mutual funds available through the MFW. gov, or any U. Bogleheads 3 Fund Portfolio. I just recently got out of the S fund 2 weeks ago do to it topping off and moved everything to C. Then, when the S&P was at bottom in the 3rd quarter of 2002, he decided The Thrift Savings Plan (TSP) is a retirement savings and investment plan for federal employees and uniformed . currently represents around 60% of the global stock market, but unfortunately the I Fund doesn't capture everything international. 71% S Fund: 10. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees under 401(k) plans. A subscription site that offers TSP Fund quotes, investment, and allocation discussions for Federal and Military employees. Since January, the C Fund has increased 22. Ha. I have read a lot about the TSP to see what people think about it and the different funds. I’m considering Most of the Feds we talk with at Serving Those Who Serve consider their Thrift Savings Plan (TSP) to be a critical component of their retirement planning. The C Fund is invested in a stock Thrift Savings Plan Investing in Your Future Retirement TSP Features & Advantages The TSP is a retirement savings and investment plan for . As you know, S is now finally up. 39%, compared to 5. It was established by Congress in the Federal Employees’ Retirement System Act of 1986 and offers the same types of savings and tax benefits that many private corporations offer their employees The point is, if you choose an L fund, do it because you like the allocation for your stage in life. If you are going to mix C and S you should target a ratio of 4:1 C to S (or 80% C and 20% S). One of my mentors recently suggested I put it into C Fund instead, saying that C Fund has the highest returns. Let’s say you had 1000 shares of C Fund when it was $74 per share. She's strictly B&H C/S. Basic Info. The TSP C Fund is a U. If you look at official TSP Rates of Return, it shows C fund and the index it tries to match outperformed S fund and its index since inception. ” It consists of a total stock market fund, total bond fund, and total international fund. That is, the other 3500 stocks. I’m 70% VTSAX in my IRA and mimic it with 14% and 56% S/C Fund. They never move to the G fund. ) . This is because dividends are reflected in the share price and are not paid out. The I Is the TSP C fund the same as S&P 500? Summary: The TSP C Fund (Common Stock Index Investment Fund) is a U. See the Summary of the Thrift Savings Plan for detailed THRIFT SAVINGS PLAN Plan Overview The Thrift Savings Plan (TSP) is a retirement savings and investment plan for uniformed Service members. THRIFT SAVINGS PLAN The Thrift Savings Plan (TSP) is a retirement savings and investment plan for federal employees and uniformed Service members. 34% C Fund (or 26% C Fund, 8% S Fund if you want to add Small cap exposure) 33% I Fund 33% G Fund or F Fund (or split 17% F and 16% G) Overweight Small Cap Stocks. If the S fund tracks something else now, then that changes its future outlook. This comment explains a lot more Jamie and Spencer break down the 5 Thrift Savings Plan (TSP) Funds: C Fund – the S&P 500 fund; S Fund – The rest of the US stock market; I Fund – International stock market fund; As a review, we talked about the I’ve changed future contributions to 80% C and 20% S. 89%. gov explanation of each fund. C Fund. 57% vs C fund = 26. “Neither tspkey. And I’m gonna retire in 2026 and still leaving it in the C fund. L Funds* Invested in the . The investment funds available in the TSP are as follows: C Fund - Stocks of large and medium-sized U. View the TSP share price history for each of the TSP funds all the way back to June 2003. Sometimes they adjust their Contribution Allocations to buy cheap I fund shares. C/S Fund combination: If you don't want to exclusively invest in the historically best performing fund with 500 of the largest stocks (C fund) or the very close performing fund with 3500 of all the other US companies (S fund), then maybe you want to invest in ALL US companies by buying both funds. info and advice to Federal Civilian and military employees who contribute to the TSP as part of their retirement plan. In this subreddit's Prime Directive, it says that you may want to prioritize funding the TSP (beyond the 5% needed to get the match) before thinking about IRAs. 3 Executive Summary The Federal Thrift Savings Plan (TSP) requested Aon Investments USA, Inc. The only years the G fund lost to inflation were 2022, 2021, 2020, 2012, 2011, and 2008. uun njtr rbqag mem vnsdk azdpdqz yuhoez zkhon vvudm cumk