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November mainly delivered TSP returns to be thankful for. All TSP funds posted gains in November except for the bond F fund, which lost 0.05 percent while the small company stock S fund gained 4.54 percent, the large company stock C fund 3.63 percent, the international stock I fund 1.15 percent and the government securities G fund 0.14 percent.

The monthly returns for the lifecycle L funds were: Income, 0.71; 2020, 0.83; 2030, 1.77; 2040, 2.1; 2050, 2.38.


The S&P 500, which the C Fund tracks, reached new all-time highs toward the end of the month, reaching over 3150 before trimming some of the gains on the 29th.

Historically, December is the lowest volatility month for U.S. markets, and the most likely month to have a positive monthly gain. Out of the past 91 Decembers stretching back to 1928, 66 have enjoyed positive gains, which translates into a 72% positive chance. In particular, the last few days of the month are often called a Santa Rally.

Read more, Will the TSP Have a Santa Rally This Year?