Thrift Savings (The Basics)
The Funds
The G Fund - The G Fund invests in short-term U.S. treasuries. Principal is guaranteed.
The F Fund - The F Fund is invested in the Barclays U.S. Debt Index Fund, bond index fund
The C Fund - The C Fund invests in the Barclays Equity Index Fund which tracks the S&P 500, the 500 largest U.S. companies being traded.
The S Fund - It is really a compilation of mid-cap stocks and small cap stocks. It tracks the Barclays Extended Market Index Fund, which tracks the Wilshire 4500 index . By investing in both the C and S funds, you are basically investing in every tradable U.S. company.
The I Fund - The international fund follows the *EAFE index. This stands for Europe, Australia and Far East. The value of the EAFE index will rise as the value of the U.S. dollar falls — and fall as the value of the U.S. dollar rises.
L Funds - The L Funds provide you with a convenient way to diversify your account among the G, F, C, S, and I Funds, using professionally determined investment mixes that are tailored to different time horizons. Your “time horizon” is the date that you think you will need the money in your TSP account. Because it is important for each L Fund to maintain its target investment mix, the TSP will automatically rebalance each L Fund daily. Then, each quarter, the investments in each L Fund will shift to a slightly more conservative mix. In addition, experts will review the investment mixes periodically to be sure they are still appropriate.
To Check Account Balance
www.tsp.gov
1. Account Access
2. Account Balance Only
3. Social Security Number
4. PIN Number
To Make an Interfund Transfer (move old money)
www.tsp.gov
1. Account Access
2. Account Transactions
3. Social Security Number
4. PIN Number
5. Interfund Transfer
To Change Your Contribution Allocations
(move new money)
www.tsp.gov
1. Account Access
2. Account Transactions
3. Social Security Number
4. PIN Number
5. Contribution Allocations
To View the Current Value of Each Fund
look at the charts at the bottom of
www.tsptalk.com
charts updated with a 20 minute delay
Thrift Links
Official Thrift Page
www.tsp.gov
Thrift Advice and Forum Page
www.tsptalk.com
Tips
1. If at all possible, try to contribute at least
3-5% of your pay.
The first 3% is matched dollar for dollar.
The next 2% is matched 50 cents on the dollar.
2. A great goal to work for is contributing 10 - 15%
3. The Interfund transfer deadline is by 12 noon.
It usually is effective close of business that day.
It rarely may take 1-2 days to be effective.
|
G Fund
|
F Fund
|
C Fund
|
S Fund
|
I Fund
|
|
|---|---|---|---|---|---|
|
August 2007
|
0.33%
|
1.23%
|
1.54%
|
1.38%
|
(-0.71%)
|
|
Past 12 Months
|
4.86%
|
5.32%
|
15.21%
|
16.38%
|
18.79%
|
|
|
L Income
|
L 2010
|
L 2020
|
L 2030
|
L 2040
|
|---|---|---|---|---|---|
|
August 2007
|
0.61%
|
0.73%
|
0.80%
|
0.88%
|
0.90%
|
|
Past 12 Months
|
7.28%
|
9.99%
|
12.34%
|
13.65%
|
14.82%
|