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Last Post: 7/29/2015 3:41:02 PM - Followers: 73 - Board type: Free - Posts Today: 0



WELCOME TO THE TSP Discussion Board!

Background. The Thrift Saving Plan (TSP) is a retirement savings plan created by the Federal Employee's Retirement System Act of 1986 for current or retired employees of the federal civil service. The thrift savings plan is a defined-contribution plan designed to give federal employees the same retirement savings related benefits that workers in the private sector enjoy with 401(k) plans.

Purpose. This board contains market-timing commentary and discussion about the Government's Thrift Savings Plan (TSP) and the investment choices thereof. 
References. The TSP Web address for asset transfers and asset allocations is

G Fund    The G Fund invests in short-term U.S. treasuries and functions as a money market account. Principal is guaranteed.

S Fund  The S Fund - Small cap is a bit of a misnomer for this fund. It is actually all of the U.S. stocks that are not included in the S&P 500. There are some fairly large companies in this 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. 

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.

F Fund  The F Fund is invested in the Barclays U.S. Debt Index Fund, bond index fund which holds a representative sample of the bonds in the Lehman Brothers U.S. Aggregate (LBA) index. Economic indicators and money supply affect interest rates. Interest rates influence the movement of this fund. When yields move lower, bonds go up in price and the F fund goes up in value. When yields move higher, bonds go down in price and the F fund goes down in value.

I Fund  The I Fund - The International Fund follows the *EAFE index. This stands for Europe, Australia and Far East. The EAFE countries are Australia, Austria, Belgium, Denmark, Finland, France, Germany, Hong Kong, Ireland, Italy Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland and United Kingdom. If you surf through any of the financial networks on TV at night, you will see quotes on these exchanges and those results affect the next day's I fund price. The I Fund also carries the risk of foreign currency fluctuations. The stock prices of the companies in the EAFE index are expressed in the currency of each respective country and then converted to U.S. dollars to determine the value of the EAFE index. Thus, 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 - relative to the currencies of countries with companies that are represented in the EAFE index.

* On some days, the change in the I Fund share price reported by the TSP does not match the change reported for the Morgan Stanley EAFE (Europe, Australasia, Far East) index, which the I Fund tracks. This happens when the Board's investment manager, Barclays Global Investors (BGI) reprices its EAFE Equity Index Fund, in which the TSP invests, after the close of the foreign markets. This process, known as "fair valuation," occurs when there are large U.S. market or currency movements between the time the foreign markets close and 4:00 p.m., eastern time, when BGI's share prices are determined. Fair valuation ensures that traders cannot "market time" the I Fund by making investment decisions based on the "stale" prices, thus diluting the returns of other participants who invest in the I Fund. Because the EAFE uses the foreign market closing prices to calculate its values, its price change will differ from the TSP's on those days. 

Please keep your posts on topic because your message(s) will probably be deleted when:

* Posting content that's off-topic to the subject of this board;
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As of 9 Jul 15

#7262   I will try to out by the 1st. hando 07/29/15 03:41:02 PM
#7261   TSP moves to expand investment, withdrawal choices. BleeckerStreet 07/28/15 09:41:47 PM
#7260   Give me time to buy Im in 35% hando 07/28/15 02:25:23 AM
#7259   Its in the post. Somebody called it quits hando 07/28/15 02:20:20 AM
#7258   Looks like the guy from your link was BleeckerStreet 07/27/15 02:23:37 PM
#7257   amen TFN. don't be too hard on frenchee 07/27/15 01:04:03 PM
#7256   I'm glad to be out for now. drive 07/27/15 09:21:26 AM
#7255   I am 65 in and still up. This hando 07/26/15 02:48:16 AM
#7254   Please look at market reaction in the weeks Jahvik 07/24/15 01:24:10 PM
#7253   I knew the cycle but I did not The_Free_Nebula 07/24/15 01:04:30 PM
#7252   OT: Short-Term Gamble on NUGT frenchee 07/24/15 11:55:07 AM
#7251   Moved to 100% G for tomor Jahvik 07/23/15 12:53:55 PM
#7250   I did exactly the same. Did not Blows 07/23/15 12:42:19 AM
#7249   I will go for a ride, only 65 hando 07/23/15 12:37:01 AM
#7248   I went 100% G at cob yesterday. drive 07/22/15 08:31:29 AM
#7247   Stochs rolled over. I might go for ride. hando 07/21/15 11:27:31 PM
#7246 good but ya never know what frenchee 07/21/15 10:07:21 PM
#7245   C, I, S - fresh simple charts The_Free_Nebula 07/21/15 10:13:54 AM
#7244   looks like you made perfect timing to G.... The_Free_Nebula 07/21/15 09:34:50 AM
#7243   I said I'd do the exact same thing The_Free_Nebula 07/20/15 11:09:39 PM
#7242   your right we are there. I stayed in hando 07/20/15 11:46:10 AM
#7241   Maybe the tidbit at the link below will frenchee 07/20/15 09:40:13 AM
#7240   It is important for me to share my hando 07/20/15 12:28:07 AM
#7239   Nasdaq RSI is leading. That's it parties over. hando 07/17/15 10:39:07 PM
#7238   I May be going all "G" before noon today... The_Free_Nebula 07/17/15 09:01:54 AM
#7237   Market likes Yellen. Not at 2% inflation. Better hando 07/16/15 05:57:36 PM
#7236   Nice bounce after the churn we had yesterday....I The_Free_Nebula 07/16/15 04:40:52 PM
#7235   On S&P, we stopped on shoulder. It has hando 07/16/15 04:40:21 PM
#7234   This elevator is going up. IMHO drive 07/16/15 11:10:05 AM
#7233   I have to satisfy my emotion, 2% off . hando 07/16/15 10:54:30 AM
#7232   Hey drive now its time for them to hando 07/16/15 06:30:21 AM
#7231   80 S 10 I hando 07/15/15 11:35:35 PM
#7230   I hope so. I'm prepared to ride along. drive 07/15/15 11:33:59 PM
#7229   RSI might stay up awhile. hando 07/15/15 11:31:54 PM
#7228   Nice conclusion. hando 07/15/15 11:27:01 PM
#7227   I cant agree at this point. hando 07/15/15 11:23:23 PM
#7226   When the Market notes the 200. That's big hando 07/15/15 11:16:54 PM
#7225   I'm just trying to play the volitility. drive 07/15/15 08:19:25 PM
#7224   Not sure what the immediate reaction will be Jahvik 07/15/15 07:51:21 PM
#7223   I was worried the Greek government would drive 07/15/15 07:31:47 PM
#7222   This should give I fund a nice bounce drive 07/15/15 07:28:00 PM
#7221   Plenty of Fuel Available for Deployment frenchee 07/15/15 12:34:08 PM
#7220   Hey hando, I think you have the waterfront frenchee 07/15/15 11:56:47 AM
#7219   China Q2, GDP 7%. That's a lot of hando 07/15/15 07:38:39 AM
#7218   Both Iran and the remnants of Greece. Lets hando 07/15/15 07:14:38 AM
#7217   The Iran deal should be good for the drive 07/14/15 11:03:49 PM
#7216   We survived the test for the 200 Da. hando 07/14/15 02:54:15 PM
#7215   looks like I will clear my last strike hando 07/14/15 11:57:02 AM
#7214   Hey Freenche cleared 3 Strike points. In my hando 07/14/15 01:50:41 AM
#7213   Let me count my pennies right. hando 07/14/15 01:36:45 AM