What is the difference between the TSP C fund and the S fund?
The money participants place in the F and C Funds is invested in separate accounts, while the S and I Fund monies are invested in trust funds commingled with other tax-exempt pension and endowment funds.
What is the difference between TSP C and S fund?
The I Fund can be useful in a portfolio that also contains stock funds that track other indexes such as the C Fund (which tracks an index of large U.S. company stocks) and the S Fund (which tracks an index of small U.S. company stocks).
What is the S fund in TSP?
The S Fund's investment objective is to match the performance of the Dow Jones U.S. Completion Total Stock Market Index, a broad market index made up of stocks of small-to-medium U.S. companies not included in the S&P 500 Index.
Does the TSP C fund follow the S&P 500?
The C Fund holds all the stocks included in the S&P 500 Index in virtually the same weights that they have in the index. The performance of the C Fund is evaluated on the basis of how closely its returns match those of the S&P 500 Index.
Which fund is best for TSP?
Your best bet is to stick with the C, S and I Funds. Here's the ratio we recommend for your portfolio: 80% in the C Fund, which is tied to the performance of the S&P 500. 10% in the S Fund, which includes stocks from small- to mid-sized companies that offer high risk and high return.
Is the C or S fund better?
Best Funds for TSP Performance in 2023
So far in 2023, the C Fund is up 16.88%, the S Fund is up 12.64%, and the I Fund is up 12.16%. Over the last 12 months, the C Fund is up 19.54%, the I Fund is up 19.08%, and the S Fund is up 15.24%.
What fund should I put my TSP in 2023?
The 2023 return for the C fund was 26.25%. Notably, it was followed very closely by the S fund which stunningly put together two consecutive months of over 10 percent returns in both November and December. The S fund returned 25.30% for the year. The I fund was not far behind with a very respectable return over 18%.
What is the safest TSP fund?
The TSP offers these risk ratings but offers no context. Take, for instance, the G fund. While certainly a low volatility investment, it is ranked 1/5 on the risk table because of its principal protection features. Many people call this fund the safest TSP fund.
Is the TSP C fund a good investment?
Thanks to these stocks, which contributed to about 2/3rds of the S&P 500 gains, the TSP C Fund saw very favorable impacts. The final finishes for the core TSP stock funds are: C Fund: 26.25% S Fund: 25.30%
What is the return rate for the S fund?
Basic Info. Thrift Savings Plan S Fund Monthly Returns is at -2.41%, compared to 10.45% last month and 10.82% last year. This is lower than the long term average of 0.83%.
What is the average return on the TSP C fund?
Basic Info. Thrift Savings Plan C Fund Monthly Returns is at 1.68%, compared to 4.54% last month and 6.28% last year. This is higher than the long term average of 0.95%.
What TSP fund has the highest return?
The C fund also has the highest 12-month returns at 19.54%.
What TSP funds does Dave Ramsey recommend?
In a nutshell, Ramsey advises federal employees to invest at least 5% in a Roth TSP, then invest the rest in a Roth IRA. He also recommends investing in a handful of TSP funds -- funds C,S, and I -- with a higher percent in the C Fund (at least 60 to 80%).
What is the best TSP fund for 2024?
The federal government's 401(k)-style retirement savings program had a bit of a bump start to 2024, as only two of the Thrift Savings Plan's five core offerings finished January in the black. The TSP's C Fund, which is made up of large- and mid-size businesses, posted the best performance last month, increasing 1.68%.
What is the C fund equivalent to?
TSP C Fund
Alternatives to the C Fund are iShares Core S&P 500 ETF (IVV) or Vanguard S&P 500 ETF (VOO). A mutual fund version of the C fund could be the Fidelity 500 Index Fund (FXAIX). All of these funds have low costs equivalent to the C fund.
Does TSP C fund pay dividends?
While there is some volatility, the C Fund is very popular because there is tremendous opportunity for significant dividends as market prices shift. Have questions about the C Fund and how to make the most of your TSP? Contact us to learn more.
What fund on TSP is the most aggressive?
The conservative funds are the G and F funds and the aggressive funds are the C, S, and I funds.
Is the C fund good?
The C Fund has recently produced a lot of millionaire TSP participants. Those TSP participants who steadily invested in the C Fund since or shortly after its inception in 1988 have by now become millionaires, some twice over… despite the downturns over the years!
What stocks are in TSP C fund?
The TSP C Fund is a U.S. stock index fund invested in common stocks of the 500 companies in the Standard & Poor's 500 (S&P 500) Index. Many of the stocks in the index are household names, such as General Electric, Coca Cola, Exxon Mobil, and Walt Disney.
How is the C fund doing in TSP?
The small- and mid-size businesses of the TSP's S Fund led the way, gaining 11.19% last month. So far this year, the S Fund has grown by 13.44%. The C Fund's common stocks increased 9.12% in November, bringing its 2023 gains to 20.76%.
How much should I have in my TSP when I retire?
There is no such thing as too much money in the Thrift Savings Plan. If you want your TSP balance to be able to generate an inflation-indexed annual income of $10,000, most financial planners will suggest that you have a $250,000 balance at the time you retire.
What should I do with my TSP right now?
You can leave your TSP account intact and open an IRA or participate in your employer's retirement plan for new yearly contributions. This enables you to continue to save for retirement after TSP. If you want to learn more about the different options after TSP, check out our video.
Is TSP better than 401k?
For federal employees, TSPs' automatic contributions, higher employer matches and low fees probably make them a superior choice. For people who don't work for the federal government, 401(k) plans are still a good choice for retirement savings and can be central parts of individual financial strategies.
Is the TSP F fund good?
In periods of falling interest rates, the F Fund will experience gains from the resulting rise in bond prices. 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).
What are C and S funds?
The Common Stock Index Investment (C) Fund. The Small Capitalization Stock Index (S) Fund.
