The interest rate paid by the G Fund securities is calculated monthly, based on the market yields of all U.S. Treasury securities with 4 or more years to maturity. Cookies as they are deployed in order to ensure the proper functioning of our website (such as prompting the 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. Strictly Necessary Cookies - Always Active. If you opt out we will not be able to offer you personalised ads and The G Fund is often thought of as the "safest" TSP Fund as it never goes down. So in the long run, you may expect F Fund returns to exceed those of the G Fund; however, you should also expect greater price volatility (up and down movements). Privacy Policy Focus on active risk management and capital preservation. Aggregate Bond Index. It tracks the MSCI EAFE (Europe, Australasia, Far East) Index. An initial investment of $1,000 on 8/31/1990 would today be worth $5,806: TSP.gov has published monthly fund returns since inception, and daily fund price history since 2003. Perhaps best expressed in the historical drawdown charts for each fund, which show the magnitude. There are currently 15 investment funds in the Thrift Savings Plan. The L Funds strategy is to invest in an appropriate mix of the G, F, C, S, and I Funds for a particular time horizon, or target retirement date. The I Fund is the international investment option for the TSP as the companies in this index are primarily foreign (non-U.S.) companies. The F Fund tracks the Bloomberg U.S. More TSP News if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[300,600],'tspdatacenter_com-box-4','ezslot_3',117,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-box-4-0'); TheThrift Savings Plan (TSP)is a retirement savings and investment plan for federal employees and members of the military. Hopefully, TSP investors will be looking at a good return on their investment for the year after a disappointing 2022. These cookies are not used in a way that constitutes a sale of to take that as a valid request to opt-out. The same was done for the other TSP funds and their underlying index. use third-party cookies which are cookies from a domain different than the domain of the website you are Summary: The TSP G Fund (Government Securities Investment Fund) is a low volatility, virtually risk-free U.S. bond fund. This fund offers you the opportunity to earn rates of return that exceed money market fund rates over the long term (particularly during periods of declining interest rates). Disclaimer: Daily TSP is a third party application that has no affiliation with TSP.gov.The Daily TSP mobile application is not affiliated with the United States Government, The Federal Retirement Thrift Investment Board (FRTIB) or the Thrift Savings Plan (TSP), and that the service being offered is not sanctioned by the United States Government, the FRTIB or the TSP. This index is made up of small and medium sized companies. Targeting cookies may be set through our site by our advertising partners. While there were up and down months for both the G Fund and the C Fund in 2022, the total assets in the G Fund increased by $22 billion during the year. By the end of 2022, the total TSP fund returns were negative for all of the TSP stock funds. How many TSP millionaires are there? Aggregate Bond Index, a broad index representing the U.S. bond market. reducing its 2023 performance to 3.68% in the black. TSP has an obligation to disclose these cookies. $0.200/$1,000 account balance 0.020% (2.0 basis points). This index is made up of small and medium sized companies. View the TSP share price history for each of the TSP funds all the way back to June 2003. Most of the TSP offerings are still up for the year so far. Here are the average net assets of each fund (in billions): At the end of December, there were 6.75 million TSP participants. See all TSP funds The TSP G Fund allows investors to earn interest rates similar to those of long-term U.S. Treasury Bonds, but without any risk of loss of principal. The Daily TSP API is not intended for commercial use and is only meant for personal use by Daily TSP users. Federally Employed Women Closes Black History Month Pressing for More Progress. However, G Fund investors remain fully protected and G Fund earnings are fully guaranteed by the federal government. Completion Total Stock Market (TSM) Index (. Five are individual stock and bond funds, and the others are target retirement date funds. As of 2/28/2023, the fund has a compound annual growth rate of 10.3%, annualized standard deviation of 18.4%, and Sharpe Ratio of 0.40. may not be reproduced without express written consent from Ralph R. Smith. Net administrative expense ratio Supplementary cookies support additional functionality such as analytics. user asks your browser to store on your device in order to remember information about you, such as your This article If you do not allow these cookies, you will experience less targeted advertising. Our free email list gives you a weekly snapshot of the TSP funds' performance; sent weekly on Saturdays. This is an increase of 250,000 in the past year. Get free TSP Fund price and performance updates via email, The Thrift Savings Plan also offers 10 Lifecycle Funds. A description of each of the TSP funds is here. This may impact the Less investment risk. ensure the proper functioning of our Privacy Policy | Most of the TSP offerings are still up for the year so far. We do not allow you to opt-out of our certain cookies, as they are necessary to There are three main ways that federal employees can take money out of the TSP after retirement. Fees & More Info Fees as of 12/31/2022 The C Fund total decreased by $63.9 billion during the year. FedSmith.com. You It invests in bonds which track the performance of the Bloomberg U.S. The I Fund is the International Stock Index Investment Fund. This index includes over small and mid-sized 3000 companies. When you visit the TSP website, we may place pieces of code, commonly referred to as "cookies," or similar technology on your device. For example, in 2055, the L 2055 Fund will be rolled into the L Income Fund. More if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[160,600],'tspdatacenter_com-box-1','ezslot_3',111,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-box-1-0');report this adTrack the TSP by Email!Our free email list gives you a weekly snapshot of the TSP funds' performance; sent weekly on Saturdays.Email Address * The site is secure. The Small Capitalization Stock Index (S) Fund. Functionally, the TSP operates nearly identically to a 401 (k). Sale of Personal Data, Targeting & Social Media Cookies, Under the California Consumer Privacy Act, you have the right to opt-out of the TSP performance charts III. Aggregate Index. The S Fund has greater volatility than the C Fund. The site is secure. The overall risk is relatively low in comparison to certain other fixed income investments in the market because the F Fund includes only investment-grade securities. Reproduction without permission prohibited. Here are how the core funds look at the end of January 2022: Obviously, there was a significant shift during the year from stock funds into the safety of the G Fund. Monday, February 27, 2023 Friday, February 24, 2023 Thursday, February 23, 2023 Wednesday, February 22, 2023 Tuesday, February 21, 2023 Visit www.allaboutcookies.org The site is secure. The MSCI EAFE Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding the U.S. and Canada. It gives you the opportunity to earn rates of interest similar to those of long-term Government securities with no risk of loss of principal. At the end of December 2021, the C Fund had 40.3% of the TSP assets totaling $326.8 billion. department for further clarification about your rights as a California consumer by using this Exercise My The table below compares TSP Coach returns to all the major TSP allocation plans minus fees. For simplicity, we refer to it as the non-sp500 index. This may affect our ability to personalize ads according to your preferences. The TSP I fund is higher weighted in Finance and the old economy sectors which have underperformed. Aggregate Investment Grade Bond Index, a broad index representing the U.S. bond market. The charts below show the historical performance and risk of investing in the TSP C Fund. It tracks the performance of the Dow Jones U.S. The TSP states that the funds objective is to ensure preservation of capital and generate returns above those of short-term U.S. Treasury securities.. This is a broad market index made up of the stocks of 500 large to medium-sized U.S. companies. This fund is still down 15.58% so far in 2022. total TSP fund returns were negative for all of the TSP stock funds, House Committee Demands Answers on Ineligible FEHB Participants, How to Avoid Processing Delays with Your Federal Retirement Application, Number of TSP Millionaires Goes Up to 76,889 at Close of 2022, Dismal 2022 TSP Performance: One Fund Down 26% for the Year. The TSP S fund tracks the performance of all the US stocks not in the SP500 index via an index called the Dow Jones Total US Stock Market Completion Index . services we are able to offer. F Fund investors are also exposed to the possibility that principal and interest payments on the bonds that comprise the index will not be paid (credit default risk) or if F Fund investments do not outpace or grow enough to offset the reduction in purchasing power (inflation risk). The .gov means its official. The federal Thrift Savings Plan offers five different individual investment funds for participants: The Government Securities Investment (G) Fund. web. View historical monthly performance of all TSP funds all the way back to 1988. Click on any link in the table header to see performance charts and other details for that fund. An official website of the United States government. 2023 by Government Media Executive Group LLC. Aggregate Index contains such a large number of securities, it is not feasible for the F Fund to invest in each security in the index. Preferences menu of your browser. Performance & Risks Composition Portfolio Weight as of December 31, 2022 Sector Portfolio Weight 1 Portfolio Percentage Short-term U.S. Treasury securities 100.0% By law, the G Fund must be invested in nonmarketable U.S. Treasury securities specially issued to the TSP. What it Takes to Be a TSP Millionaire in . Yes, I want to receive occasional updates from partners. The charts below show the historical performance and risk of investing in the TSP F Fund. ensure the proper functioning of our website (such as prompting our cookie banner and remembering your privacy Copyright 2007-2023 My Federal Retirement. The Bond fund (Fixed Income) The F Fund is designed to match the performance of a Total U.S. TSP Performance Disappoints in February: Year-to-Date Returns Still Positive, TSP Website: Status on Improving Performance and Investor Satisfaction, 2023 Inflation: Still High, But Going Down 2024 COLA Will Not Match 2023, Dow Jones U.S. Drawdown: the peak-to-trough decline in the TSP fund value, measured as a percentage between the peak and the trough. Because the TSP funds are trust funds that are regulated by the Office of the Comptroller of the Currency and not by the Securities and Exchange Commission (SEC), they do not have ticker symbols (i.e., unique identifiers assigned to securities, including mutual funds, registered with the SEC). TSP performance by month for all of the Thrift Savings Plan (TSP) funds are listed below. Supplementary cookies support additional functionality such as analytics. traffic on our website. see some advertising, regardless of your selection. We also As federal employees or individuals, we do not profit from our efforts but wish to recover basic expenses. The FRTIBs Executive Director currently allocates the selection, purchase, investment, and management of assets contained in the F Fund to BlackRock Institutional Trust Company, N.A., and State Street Global Advisors Trust Company. 2022 TSP fund performance was dismal. Aggregate contains such a large number of securities, View historical monthly performance of all TSP funds all the way back to 1988. performance. Federal government websites often end in .gov or .mil. G Fund and the debt limit As of January 23, 2023, the U.S. Treasury was unable to fully invest the Government Securities Investment (G) Fund due to the statutory ceiling on the federal debt. information. website (such as prompting our cookie banner and remembering your privacy choices) and/or to monitor site Can federal employees contribute to both an IRA and the TSP? Last updated: February 02, 2023 at 03:39 PM. Last updated: January 24, 2023 at 06:19 PM. This is a stock market index tracking the performance of 500 of the largest companies in the United States and is generally considered a standard for measuring overall stock market performance. Cookies Policy. Follow Ralph on Twitter: @RalphSmith47. Completion Total Stock Market Index, MSCI EAFE (Europe, Australasia, Far East) Index. and analytics partners. Privacy Policy | The token can be retrieved from the Settings menu of the Daily TSP App and is only provided for. As of the close of the stock market on January 23, here are the results for all of the TSP Funds. 2023 Thrift Savings Plan Maximum Contribution Limits, 10 Thrift Savings Plan Mistakes Federal Employees Should Avoid, Bloomberg Barclays U.S. All Rights Reserved. Get the latest pay and benefits news delivered to your inbox. Many plans cost in excess of $200/year. Whether all the provisions proposed during the formulation of the strategy of TSP that are - separate funds, decentralized planning and a separate mechanism for the implementation and monitoring of TSP-funded schemes are available or not. FedSmith.com. The I Fund is the international investment option for the TSP as the companies in this index are primarily foreign (non-U.S.) companies. You will still Therefore we would not be able to track your activity through the In fact, the central bank is preparing to slow rate increases for a second consecutive meeting. The I Fund has the largest gains for the month so far with an eye-popping return of 9.49%. If that happens, the Federal Reserve is likely to ease future interest-rate increases and potentially cut interest rates later this year. Additionally, you may contact our legal To allow for a longer performance comparison, we extended the available TSP fund price history for the C, G, F, I, and S funds with their underlying index data. The Thrift Savings Plan also offers 10 Lifecycle (L) Funds in which to invest. FedSmith.com. However, in practice the difference is not significant: the TSP funds have extremely low expense ratios (0.027% per year as of this writing). By the end of 2022, the total TSP fund returns were negative for all of the TSP stock funds. (function($){window.fnames=new Array();window.ftypes=new Array();fnames[0]='EMAIL';ftypes[0]='email';fnames[1]='FNAME';ftypes[1]='text';fnames[2]='LNAME';ftypes[2]='text';fnames[3]='ADDRESS';ftypes[3]='address';fnames[4]='PHONE';ftypes[4]='phone';fnames[5]='BIRTHDAY';ftypes[5]='birthday';fnames[6]='FSOURCE';ftypes[6]='text';}(jQuery));var $mcj=jQuery.noConflict(true);if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[160,600],'tspdatacenter_com-banner-2','ezslot_5',114,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-banner-2-0');report this adif(typeof ez_ad_units!='undefined'){ez_ad_units.push([[250,250],'tspdatacenter_com-large-leaderboard-1','ezslot_8',540,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-large-leaderboard-1-0');report this ad. Terms of Use | This is a broad international market index, made up of primarily large companies in 22 developed countries. A retirement portfolio that contains stock funds, like the C, S, and I Funds, along with the F Fund, will tend to be less volatile than one that contains stock funds alone. Because the U.S. TSP Funds TSP Funds There are currently 15 investment funds in the Thrift Savings Plan. The I Fund is the International Stock Index Investment Fund. intended if you do so. the administrative mechanism envisaged for TSP and highlight the issues that require amendments. (function($){window.fnames=new Array();window.ftypes=new Array();fnames[0]='EMAIL';ftypes[0]='email';fnames[1]='FNAME';ftypes[1]='text';fnames[2]='LNAME';ftypes[2]='text';fnames[3]='ADDRESS';ftypes[3]='address';fnames[4]='PHONE';ftypes[4]='phone';fnames[5]='BIRTHDAY';ftypes[5]='birthday';fnames[6]='FSOURCE';ftypes[6]='text';}(jQuery));var $mcj=jQuery.noConflict(true);if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[160,600],'tspdatacenter_com-banner-2','ezslot_4',114,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-banner-2-0');report this ad. 2022 was not a good year for stock returns in the Thrift Savings Plan (TSP). Due to rounding, numbers may not add up to exactly 100%. What few realize is the TSP C fund (SP500 index) is geographically diversified in the right way. Or, use the checkboxes above to show only the funds you want to see. Aggregate Bond Index, a broad index representing the U.S. bond market. The S Fund is invested in a stock index fund that tracks the Dow Jones U.S. It invests in bonds which track the performance of the Bloomberg U.S. The .gov means its official. The L Funds, or Lifecycle funds, use professionally determined investment mixes that are tailored to meet investment objectives based on various time horizons. They are designed designed to let you invest your entire portfolio in a single L Fund and get the best expected return for the amount of expected risk that is appropriate for you. Here is the latest information on 2023 inflation and the 2024 COLA. Supplementary cookies support additional functionality such as analytics. In order to prevent abuse and maintain reliable availability, a unique token is required in order to access the Daily TSP API. 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. The TSP 2022 Website and Unresolved Issues Published: January 3, 2023 There are approximately six million Thrift Saving Plan (TSP) participants who are federal employees, active military, and. NEXT STORY: These cookies collect information for analytics and to The C Fund is still down 4.59% for the year-to-date but it is up 15.63% for the past 12 months. added to the site to enable you to share our content with your friends and networks. The TSP returns are off to a good start so far in 2023. And the international (I) fund lost 2.84% last month, bringing its gains this year down to 5.36%. Aggregate Bond Index, The MSCI EAFE Index is designed to represent the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding the U.S. and Canada. When you visit the TSP website, we may place pieces of code, commonly referred to as "cookies," or similar technology on your device. browsers and GEMG properties, your selection will take effect only on this browser, this device and this TSP has an obligation to disclose these cookies. The number at the end of 2022 is the lowest end of the calendar year figure since 2020 but still an improvement over earlier this year. technologies for the following purposes: We do not allow you to opt-out of our certain cookies, as they are necessary to These funds are a mix of the five core TSP funds (G, F, C, S, and I). TSPDataCenter.com is the one stop resource for federal employees and federal retirees to find current and historical Thrift Savings Plan (TSP) share prices and rate data for performance of each of the core TSP funds (G Fund, F Fund, C Fund, S Fund I Fund) as well as the Lifecycle (L) Funds. Bloomberg U.S. Click on the different category headings to find out more and change our TSP Performance Up in 2023 After Dismal 2022 Returns 2022 was not a good year for stock returns in the Thrift Savings Plan (TSP). sites. Learn more, please visit our Cookie Statement page. This is a market index of small and medium-sized U.S. companies that are not included in the S&P 500 Index. Before sharing sensitive information, make sure youre on a federal government site. Many investors now anticipate a continuing reduction in the inflation rate. The F Fund is the Fixed Income Index Investment Fund. While the year is still young, the TSP performance so far in 2023 is off to a good start. The indexes we use do not account for fund expenses, so earlier returns are slightly higher. Comment? Total expense ratio A description of each of the TSP funds is here. Here are the details based on 2023 contribution limits. James Marshall / Getty Images. All rights reserved. Advertisement Previous Calendar Years TSP Fund Performance [Pinch-to-zoom/enlarge images below] Advertisement Lapse in appropriations (government shutdown). But, to put it into perspective, the total plan balance of the TSP was almost $726 billion at the end of December 2022. On December 31, 2022, the index included 13,133 notes and bonds. to learn more. 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. There are only two things required to double your TSP account over time. At the end of 2021, FERS had a participation rate of 94.1% and uniformed services had a rate of 73.7%. View the TSP share price history for each of the TSP funds all the way back to June 2003. In some of the examples below, TOKEN refers to your unique access token and can be provided to the API as a query parameter: token=TOKEN. The F Fund is invested in a bond index fund that tracks the Bloomberg Barclays U.S. FERS had a participation rate of 94.4% and uniformed services had a rate of 83.2%. We also use cookies to personalize your experience on our websites, including by It is a defined contribution plan, similar to 401 (k) style retirement savings plans in the private sector. More if(typeof ez_ad_units!='undefined'){ez_ad_units.push([[160,600],'tspdatacenter_com-box-1','ezslot_3',111,'0','0'])};__ez_fad_position('div-gpt-ad-tspdatacenter_com-box-1-0');report this adTrack the TSP by Email!Our free email list gives you a weekly snapshot of the TSP funds' performance; sent weekly on Saturdays.Email Address * The target allocation of the L Funds changes automatically over time based on your projected retirement age, gradually shifting from more aggressive to more conservative as you approach your projected retirement date. By the end of the year, the C Fund was down -18.13%, the S Fund was down -26.26%, and the I Fund ended down -13.94%. 2022 TSP Fund Performance 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. The performance of the F Fund is evaluated on the basis of how closely its returns match those of the U.S. language preference or login information. privacy request at our Do Not Sell page. Federal government websites often end in .gov or .mil. . I agree to the use of my personal data by Government Executive Media Group and its partners to serve me targeted ads. This is a broad index representing the U.S. Government, mortgage-backed, corporate, and foreign government sectors of the U.S. bond market. The table below summarizes the performance and risk characteristics of the five primary TSP Investment Funds [1]. The table below shows the performance of the new Lifecycle Funds, which became available in July 2020: As of June 2022, Thrift Savings Plan participants can also invest part of their account balance in mutual funds, through the TSP Mutual Fund Window. The TSP C fund is dominated by the new economy stocks (38%) while the TSP I fund only carries 14% of Tech and Communication Services. Aggregate Bond Index. Best TSP Allocation TSP F Fund 2021 TSP Lifecycle Funds TSP Funds to avoid TSP Allocation Percentage Guide the TSP Funds TSP TSP Smart blog TSP I fund TSP S fund TSP C fund TSP G fund TSP F fund TSP Tracked Indexes Seasonal Investing About Our Almanacs Seasonal Guides Santa Claus Rally The January Effect Because it is a defined contribution plan, this means that the retirement income you receive from your TSP . Advertise | The TSP Lifecycle Funds are target retirement date funds, invested in a professionally designed mix of the five individual TSP funds (G, F, C, S, and I Fund). Any abuse of the API may result in the revoking of your API token. You may exercise your right to opt out of the sale of personal able to use or see these sharing tools. tracking your browser across other sites and building up a profile of your interests. Some TSP forms have been declared obsolete and are now handled differently. Daily, monthly and annual TSP performance, rates of return, and daily TSP share prices are among the data provided, and we also offer a free email newsletter with a weekly update on the TSP funds performance. The. The Federal Retirement Thrift Investment Board has chosen to invest the F Fund in an index fund that tracks the Bloomberg U.S. The C Fund slipped into second place with $262.9 billion in assets for a 36.2% share of the total. It is a defined contribution plan, similar to 401(k) style retirement savings plans in the private sector. The investment mix of each L Fund becomes more conservative as its target date approaches. The G Fund had 33.3% of assets totaling $270.1 billion. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. Should federal employees who were fired or resigned over the vaccine mandate be allowed to return to their jobs? In TSP Talk you will get information on each of the TSP funds including market analysis, TSP fund returns, and recommended TSP fund allocations. 2023 Ralph R. Smith. visiting for our advertising and marketing efforts. Learn more, please visit our Cookie Statement page. This statutory guarantee has effectively protected G Fund investors many times over the past 30 years. It's calculated by subtracting the risk-free interest rate from the rate of return for a specific fund, and dividing the result by the standard deviation of the fund returns. The table below shows the historical performance of the original (Classic) Lifecycle Funds, which became available for investment in August 2005: [5]. Neither TSPDataCenter.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. TSP Returns in 2022: One Fund is Up and One Down 13.30% As was the case at the end of January, all of the TSP Funds are showing negative results with the exception of the G Fund which has gained 0.24%. For example, we extended the TSP C Fund with the S&P 500 Total Return index. For more information about the First and Third Party Cookies used please follow this link. Volatile TSP funds like the C, S, and I fund have a high standard deviation, while the deviation of the G and F funds is lower. Those negative factors are now leading to more positive news.