by TimeRunner Fri Apr 08, 2022 3:38 pm, Post TSP performance in July was a bright spot in a dismal year for TSP fund returns. by delamer Wed Apr 07, 2021 9:33 am, Post Hatch Act The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. by AnnetteLouisan Fri Apr 08, 2022 10:29 am, Post Is the argument against doing this (100 percent G) that you lose high return C Fund matching? If the September inflation data comes in high, it is likely they will raise rates by .75 points. Visit www.allaboutcookies.org 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. This is a market index of small and medium-sized U.S. companies that are not included in the S&P 500 Index. by AnnetteLouisan Mon Apr 04, 2022 4:26 pm, Post The G Fund rate for August 2022 dropped to 2.75%. 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. by user9532 Fri Apr 08, 2022 5:37 pm, Post He has written extensively on a full range of human resources topics in books and newsletters and is a co-founder of two companies and several newsletters onfederal human resources. by RJC Wed Apr 07, 2021 8:38 am, Post Official Time Almost keeping up with inflation now! Latest TSP Fund Performance - Thrift Savings Plan returns - 2022 Latest Thrift Savings Plan (TSP) Returns: Monthly and Annual May 3, 2023 My Federal Retirement Thrift Savings Plan (TSP) Summary of Returns 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 chart and table below show the recent history of the G Fund rate. The federal Thrift Savings Plan offers five different individual investment funds for participants: The Government Securities Investment (G) Fund. The Bogleheads Wiki: a collaborative work of the Bogleheads community, Local Chapters and Bogleheads Community, https://www.tspfolio.com/tspgfundinterestrate, https://www.ishares.com/us/products/239 market-etf. Due to historically unprecedented Fed stimulus and low interest rates, the TSP G Fund no longer outpaces inflation as of 2020. The Fed Funds interest rate increased to 2.5%. One TSP Fund was up 10.32% for the month but is still down for the year. Neither Raymond James, the Financial Advisors, STWS, nor Mr. Zurndorfer are affiliated with, endorsed by, or authorized to speak on behalf of the U.S. Government, the Federal Employee Retirement System, or any other Federal Government-sponsored benefits programs or retirement plans, including the Thrift Savings Plan (collectively, Federal Benefits Plans). No one knows what the stock market will do in the coming months. by Joe Public Mon Apr 04, 2022 4:23 pm, Post This is lower than the long term average of 0.37%. Travel 2023 by Government Media Executive Group LLC. DONT JUST LOOK AT RATE OF RETURN. Hatch Act For example, in July 2013, the G Fund interest rate was 2.125%. see some advertising, regardless of your selection. If however your primary goal is long-term growth and not capital preservation, you have a sufficiently long time before retirement, and you can stomach the sometimes significant volatility of higher risk funds, then in the long run, one of the TSP stock funds such as the C, S, or I Fund have the potential to compound your investment at a higher annual rate. by tj Fri Apr 08, 2022 9:35 pm, Post TSP G Fund rate 3.00% (June 2022) - Bogleheads.org FedSmith Polls I do not feel good about the market for the next few months. Continuing uncertainty around high inflation and rising interest rates is the main culprit of the current market downturn. Proposed Legislation The L 2025 fund is down 6.31% and the L 2030 Fund is down 2.84%. This index was at 776.91. However, you by RJC Wed Apr 07, 2021 8:40 am, Post If you opt out we will not be able to offer you personalised ads and The G fund was the best performer for the month, with a positive 0.25% return, while the I fund was the worst, falling by 5.79%. Employee Relations Employee Relations The more aggressive Lifecycle Funds are down more than 20% so far in 2022. (source, TSP.gov). Sale of Personal Data, Targeting & Social Media Cookies, Under the California Consumer Privacy Act, you have the right to opt-out of the Completion Total Stock Market (TSM) Index. The funds with the shorter projected times before potential retirement have a larger amount of investments in the G Fund and less in the more aggressive stock funds. Major employers have announced massive layoffs. Few people, if any, can accurately predict when the stock market is going to go up substantially for a period of time (bull market) or down substantially (bear market). Total expense ratio If the September inflation data comes in high, it is likely they will raise rates by .75 points. can choose not to allow certain types of cookies, which may impact your experience of the site and the Vaccinations If you do not allow these cookies you may not be Although August started out with some continued momentum, by mid-month the momentum was turning, and the month ended on a decidedly negative note. So far in 2022, regarding the performance of the TSP core funds, here is the bad news: C Fund: -16.15%, S Fund: -22.14% I Fund: -19.71% Fund: -10.45% G Fund: 1.66% **, ***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. A rebound, when it comes, usually comes quickly. The international stocks in the I Fund saw the worst performance of the TSPs core funds, falling 5.79% in August. on the last day of the previous month. The trend into the G Fund was apparent. Roth Financial Planning Resources for Federal & Postal Employees. We are here to serve you! You can usually find these settings in the Options or Prior to making an investment decision, please consult with your financial advisor about your individual situation. COVID Official Time Postal Service Subscribe to our free email list to get our news updates in your inbox. by mokaThought Tue Mar 02, 2021 6:28 pm, Post non-personal) investing questions and issues, investing news, and theory. by Weathering Fri Apr 08, 2022 9:13 pm, Post Ralph Smith has several decades of experience working with federal human resources issues. browsers and GEMG properties, your selection will take effect only on this browser, this device and this All rights reserved. The S Fund is up 1.36% for the month while the C Fund is almost flat but has gained 0.09% so far in August. Other politicians will try to convince voters those now in office have failed and a vote for the other party will lead to better economic times. We also share information about your use of our site with our social media, advertising and analytics partners. That's not a small feat as the C Fund - the next. 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. Proposed Legislation The G fund was the best performer for the month, with a positive 0.25% return, while the I fund was the worst, falling by 5.79%. by dukeblue219 Tue Apr 06, 2021 9:45 pm, Post may not be reproduced without express written consent from Ralph R. Smith. In the same month, more than $1 billion was transferred from the Lifecycle Funds, just under $1 billion from the C Fund, and $540 million from the S Fund. If you are unsure how to create an investment strategy that you can stick to, there are many resources available to you via Serving Those Who Serve. FERS Presumably, this means these investors are gaining confidence the stock markets slide will reverse and stocks will continue to go up. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. If youre a Career Fed who wants the most from your retirement and benefits package … schedule an initial consultation today! We do not know what the future holds. In March, when money was still flowing into the stock funds, the C Fund had the largest percentage of TSP investor assets with 32.1%. FEGLI Annuity The cost of electricity is up. Most investors would like some portion of their retirement account to be completely protected from loss, and the G Fund is the best investment option for this purpose. That sounds good and makes a good headline. While there is room for optimism in some quarters, those expecting a huge gain in stocks in the near future may not recall (or have been alive or certainly not investing in stocks) in the years preceding 1982 when many or most investors just gave up on stocks. More than $15 billion was transferred into the G Fund between April and July. The S Funds small- and mid-size businesses finished August 2.08% in the red, bringing its losses since January up to 22.14%. The G fund will not lose money its returns are guaranteed by the U.S. Government. And because long-term interest rates are generally higher than short-term rates, the G Fund should earn more than your average "safe" investment like U.S. T-Bills or a money market fund. Interesting. Keep investing, and go on with your business. And, to try and get the rate of inflation under control, the Federal Reserve noted in the last week that interest rates were going to go up until inflation was brought under control. It's Official: Biden Formalizes Average 4.6% Pay Raise Plan for Feds in 2023, Do Not Sell My As of May 2023, the TSP G Fund interest rate is 3.625%. More specifically, we use cookies and other tracking **Written by Jennifer Meyer, Financial Planner. After positive July, August returns dip back into negative territory for all core funds except G. Well, the market rebound of July 2022 was short lived. | "All I need are some tasty waves, a cool buzz, and I'm fine." Because long-term interest rates are generally higher than short-term rates, G Fund securities usually earn a higher rate of return than do short-term marketable Treasury securities. You can see that the rate has fluctuated in the 0.75% to 4.25% range since 2012: The G Fund interest rate is near all-time lows. You Click on the different category headings to find out more and change our Although the securities in the G Fund earn a long-term interest rate, the Boards investment in the G Fund is redeemable on any business day with no risk to principal. These cookies collect information for analytics and to etc.). web. Other than folks whose only retirement savings is the TSP or are income constrained or just hate fixed income. 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.
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