What is the best TSP fund to invest in 2023? (2024)

What is the best TSP fund to invest in 2023?

The most popular fund in the TSP universe is the C Fund. This fund is based on the S&P 500 index. It had the best return of the year, with a final return of 26.25%. For comparison, the S&P 500 index had a 2023 return of 24%.

What TSP fund should I be in right now?

Your best bet is to stick with the C, S and I Funds. Here's the ratio we recommend for your portfolio: 80% in the C Fund, which is tied to the performance of the S&P 500. 10% in the S Fund, which includes stocks from small- to mid-sized companies that offer high risk and high return.

What is the TSP fund performance for 2023?

Over the course of 2023, the S Fund increased 25.30%. The common stocks of the C Fund finished December 4.54% in the black, while boasting gains of 26.25% for the year. The international (I) fund saw the second-best monthly performance of the TSP's core offerings, growing 5.39%.

What is the most aggressive fund for TSP?

The conservative funds are the G and F funds and the aggressive funds are the C, S, and I funds.

Is the TSP F fund a good investment?

Why should I invest in the F Fund? F Fund investors are rewarded with the opportunity to earn higher rates of return over the long term than they would from investments in short-term securities such as the G Fund.

What does Dave Ramsey recommend for TSP?

Dave Ramsey's advice is to save 5% into the TSP to get the full match, then max out a Roth IRA, and then put more into the TSP if you are able to save more after that.

What is the safest fund in TSP?

Consider investing in the G Fund if you would like to have all or a portion of your TSP account completely protected from loss.

What is the best fund to invest in TSP?

You might consider investing more in our stock funds (C, S, and I) than in the more conservative G and F Funds at this stage of your career. Stocks present more risk but offer the opportunity for potentially higher returns over time.

What is the difference between the TSP S fund and the C fund?

Core TSP Funds

Four of the five funds are index funds, which hold securities exactly matching a broad market index. The money participants place in the F and C Funds is invested in separate accounts, while the S and I Fund monies are invested in trust funds commingled with other tax-exempt pension and endowment funds.

What is the monthly return on the TSP F fund?

Thrift Savings Plan F Fund Monthly Returns is at 3.72%, compared to 4.51% last month and -0.65% last year. This is higher than the long term average of 0.44%.

How to become a TSP millionaire?

If you earn 8% on your money per year (which is historically pretty hard for a combined stock and bond portfolio to do), you can turn that into a million dollars within 25 years. It's no wonder, then, that the average contribution years of a TSP millionaire is over 29 years.

What happens to F fund when interest rates rise?

Generally, if market interest rates rise, the value of your F Fund shares will fall, and vice versa. The effect of rising interest rates is offset, to some extent, by the interest payments that are periodically received from the bonds and credited to the shares' value.

What is the most volatile TSP fund?

On the opposite side of the volatility spectrum, the S Fund (small cap U.S. stocks) has the largest annualized standard deviation: 21.44% as of this writing, and is therefore the riskiest.

What is the TSP G fund rate of return?

Basic Info. Thrift Savings Plan G Fund Monthly Returns is at 0.39%, compared to 0.41% last month and 0.32% last year. This is higher than the long term average of 0.37%.

How much should I have in TSP at 50?

By age 50, you would be considered on track if you have three to six times your preretirement gross income saved. And by age 60, you should have 5.5 to 11 times your salary saved in order to be considered on track for retirement.

How do I double my TSP?

The rule of 72 is a great way to estimate how long it will take for your TSP to double. This rule says that if you divide 72 by your average investment return then you'll get how many years it takes to double. For example, if on average you earn 10%/year then your money will take 7.2 years to double (72/10= 7.2).

How many millionaires are there in the TSP?

What is public is the number of TSP millionaires: 94,873. It may also surprise you that the majority of the TSP's 6,887,247 participants have less than a $50,000 account balance as of Sep.

How much should I have in my TSP when I retire?

Answer: More! I frequently state that there is no such thing as too much money in the Thrift Savings Plan. If you want your TSP balance to be able to generate an inflation-indexed annual income of $10,000, most financial planners will suggest that you have a $250,000 balance at the time you retire.

What is the best thing to do with your TSP when you retire?

Where should I put my TSP when I retire? In most instances, the best options are to transfer your TSP assets to your new 401(k) plan, your IRA, or leave the assets in your TSP account. It's best to consult with your financial advisor to make sure that you make the right choice for your situation.

How can I maximize my TSP savings?

Maximizing Agency or Service Contributions

To receive the maximum Agency or Service Matching Contributions, you must contribute 5% of your basic pay each pay period.

Why is my TSP not growing?

Remember that the amount you contribute and your investment allocation are the most important factors affecting the growth of your Thrift Savings Plan (TSP).

What does TSP F fund invest in?

By law, the F Fund must be invested in fixed-income securities. The Federal Retirement Thrift Investment Board has chosen to invest the F Fund in an index portfolio that tracks the Bloomberg Barclays U.S. Aggregate Bond Index, a broadly diversified index of the U.S. bond market.

What is the Vanguard equivalent to the TSP S fund?

Most similar Funds
TSPVanguard
FundBenchmarkFund
F FundBarclays Capital U.S. Aggregate Bond IndexVBTIX
C FundS&P 500 IndexVIIIX
S FundDow Jones U.S. Completion TSM IndexVIEIX
2 more rows

What is the L fund in the TSP?

The L 2030 Fund's investment objective is to achieve a moderate to high level of growth with a low emphasis on preservation of assets. The Fund's allocation in the G, F, C, S, and I Funds is adjusted quarterly.

How much should I put in my TSP per month?

As long as you are contributing at least 5% of your bi-weekly gross pay each pay period, you will receive the 4% Agency Matching contributions each pay period.

References

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