Fedweek

Getting to a million in your TSP doesn’t happen by accident. Image: Lightspring/Shutterstock.com

All TSP funds posted gains in September, led by large company stock C fund, up 3.65 percent, the international stock I fund, up 3.16 percent and the small company stock S fund, up 2.04 percent.

(Note: As a self-funding agency, the TSP is not affected by lapses in appropriated funds; see www.tsp.gov/shutdown.)

Those funds are up 14.8, 25.34 and 11.18 percent year-to-date.

The bond F fund gained 1.09 percent in September and the government securities G fund gained 0.35 percent, for year-to-date gains of 6.14 and 3.34 percent.

The September returns for the lifecycle L funds were: Income, 1.18; 2030, 2.14; 2035, 2.32; 2040, 2.5; 2045, 2.64; 2050, 2.79; 2055, 3.24; 2060, 2070, 2075, 3.25.

Those funds are up between 7.5 and 17.91 percent on the year.

Timing the market versus time in the market

Getting to a million in your TSP doesn’t happen by accident. There are certain principles that TSP millionaires know and follow to get to where they are while others wonder how they do it.

The good news is that there is no magic or vudu involved. It is simply math.

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See also,

How to Handle Taxes Owed on TSP Roth Conversions? Use a Ladder

The Best Ages for Federal Employees to Retire

Best States to Retire for Federal Retirees: 2025

Pre-RIF To-Do List from a Federal Employment Attorney

Primer: Early out, buyout, reduction in force (RIF)

2025 Federal Employees Handbook