The TSP posted mixed returns in March, with the large company stock C fund up 4.38 percent and the international stock I fund up 2.35 percent, but the bond F fund down 1.23 percent and the small company stock S fund down 0.39 percent. The never-losing government securities G fund rose 0.11 percent.

The March returns for the lifecycle L funds, all gains, were: Income, 0.71; 2025, 1.44; 2030, 1.78; 2035, 1.93; 2040, 2.08; 2045, 2.2; 2050, 2.33; 2055, 2.92; 2060, 2.92; 2065, 2.91.


The TSP meanwhile reported that the number of account holders—out of a total of just above 6 million—with accounts worth more than $1 million grew by some 10,000 in the first three months of this year to just below 85,000. The average number of years spent contributing to reach that level is 28.5.

The number with between $750,000 and $1 million rose by about 4,000 to 93,000 and the number with between $500,000 and $750,000 rose by about 5,000 to 203,000.

So what’s the largest? Someone out there has a TSP account balance above $9.3 million, much of which would have been rolled in.

What it Takes to Be a TSP Millionaire in Today’s Dollars
With a long enough timeline, involving consistent large contributions and decent long-term stock returns during the period, it’s possible to become a millionaire from compounding a middle-class or upper middle-class income, including most jobs in federal service.

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Lessons Learned Growing a TSP Balance Beyond $1M

FERS Retirement Guide 2021