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By: FEDweek StaffAll TSP funds posted positive returns in September, led by the large company stock C fund, up 2.13 percent, followed by the small company stock S fund, up 1.55 percent.
The bond F fund rose 1.34 percent, the international stock I fund gained 0.77 percent, while the government securities G fund rose 0.33 percent. Year-to-date gains are: C, 22.04; S, 11.69; I, 13.17, F, 4.52; G, 3.31.
Gains in the core funds also produced gains in all of the lifecycle L funds: Income, 0.72; 2025, 0.8; 2030, 1.15; 2035, 1.24; 2040, 1.31; 2045, 1.38; 2050, 1.44; 2055-2070, 1.58. They are up from 7.01 to 17.41 percent on the year.
Early in October the stock funds gave up some of those gains as Mideast tensions added market uncertainty to questions surrounding the US elections, with so far only a slight pull back in stock indexes, while oil and gold rose.
You don’t have to leave the TSP at retirement
These four options are available to separating TSP participants.
1. You can leave your funds in your current employer’s plan.
2. You can roll over the funds to an Individual Retirement Arrangement (IRA).
3. You can take a lump sum distribution.
4. You can roll over the funds into a new employer’s plan.
Perspective
During my 37 years of being a Thrift Saving Plan (TSP) participant, I have been on many different TSP Rollercoasters, and I have to say the ride is rough, but comes with rewards. To clarify the TSP Rollercoaster is a ride for those TSP participants who are investing in the C, S and I funds as well as the Life Cycle Funds. The rest of TSP participants who are in the G Fund are riding a merry go round with no risk heading in a circle and enjoying the festive music, writes Abe Grungold.
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See also,
FERS Supplement vs The 10% Pension Bonus
The TSP Rollercoaster vs. the G Fund Merry-Go-Round
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