SureTrader Advertisement Advertisement Advertisement
Home > Boards > Free Zone > User's Groups >

Thrift Savings Plan

RSS Feed
      Hide Sticky   Hide Intro
Moderator: frenchee Assistants:
Search This Board:
Last Post: 10/8/2015 11:31:21 AM - Followers: 73 - Board type: Free - Posts Today: 3



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;
* Posting statements that don't add value to the discussion; or
* When you violate any other posting term of the iHub User Agreement:



C Fund: Regression to Trend #msg-88600053

Point & Figure Charts #msg-106760622

P/Es & Yields on Major Indexes

American Bull NYSE Market Timing

Sell in May and Go Away? #msg-75057963

How to Post StockCharts in Your Message #msg-88716569

DecisionPoint Market Scoreboard for C Fund #msg-115295069

As of 9 Jul 15

#7471   Seasonal C Fund Patterns frenchee 10/08/15 11:31:21 AM
#7470   GM TFN, Thanks for the fresh charts. frenchee 10/08/15 08:57:23 AM
#7469   I'm still at 50 I and 50 S. drive 10/08/15 08:54:22 AM
#7468   C, I, S - fresh simple tracking charts The_Free_Nebula 10/07/15 05:52:50 PM
#7467   nice The_Free_Nebula 10/07/15 05:50:10 PM
#7466   :D :D :D frenchee 10/07/15 01:29:17 PM
#7465   100% G for Thursday's open. Very overbought Jahvik 10/07/15 10:14:54 AM
#7464   Good lead Jahvik. Took 20% out of S. hando 10/06/15 12:05:03 PM
#7463   Since I've received no feedback from the replied frenchee 10/06/15 08:37:16 AM
#7462   classic mistake to sell TSP in fear because The_Free_Nebula 10/05/15 02:02:03 PM
#7461   Congrats J! drive 10/05/15 12:09:20 PM
#7460   Moved 50% to G fund for Tuesday. Jahvik 10/05/15 11:29:47 AM
#7459   Those who sold in May are looking to frenchee 10/05/15 08:45:38 AM
#7458   The Bond Market is SCREAMING Louder Now. Please Listen. frenchee 10/02/15 05:39:47 PM
#7457   Request Feedback from a Couple of Nonsubscribers to frenchee 10/02/15 03:19:08 PM
#7456   The markets are so strange. Bad news, drive 10/02/15 12:37:10 PM
#7455   F 25% C 25% S25% I 25% at drive 10/02/15 11:55:07 AM
#7454 US hi drive 10/02/15 08:57:26 AM
#7453   Picked a good day, J hando 10/01/15 01:56:12 PM
#7452   I moved to 100% I fund for Friday's open. Jahvik 10/01/15 11:27:41 AM
#7451   Well played Sir!! Jahvik 09/30/15 06:54:37 PM
#7450   No shut down. I'm still glad to drive 09/30/15 06:29:29 PM
#7449   Hopefully today's gain holds. I'll be back drive 09/30/15 11:54:34 AM
#7448   Just switched to 50 G and 50 I. drive 09/29/15 12:39:36 PM
#7447   I posted a reply earlier. Didn't drive 09/28/15 10:37:22 PM
#7446   So you see a reversal coming? The_Free_Nebula 09/28/15 06:18:11 PM
#7445   Very nice!!!!! Jahvik 09/28/15 12:03:53 PM
#7444   I've been very patient. But today, I drive 09/28/15 11:56:11 AM
#7443   I cant call it. I haven't budged. I hando 09/25/15 02:02:56 PM
#7442   Nice bounce!!! Jahvik 09/24/15 03:31:50 PM
#7441   Me too. There just doesn't seem to drive 09/24/15 12:46:27 PM
#7440   My trigger finger is getting itchy!!! I'm Jahvik 09/24/15 11:08:11 AM
#7439   TY for the charts. BleeckerStreet 09/22/15 02:59:55 PM
#7438   C Fund Long-Term Chart frenchee 09/22/15 02:21:29 PM
#7437   C Fund Comments for 22 Sep 15 frenchee 09/22/15 01:47:21 PM
#7436   I see my decisions and I tell myself, hando 09/22/15 12:24:56 AM
#7435   Absolutely not a place to have money at Jahvik 09/21/15 07:44:18 PM
#7434   I'm still all G. I have often drive 09/21/15 06:45:15 PM
#7433   I am all in. I just don't look. hando 09/21/15 11:11:49 AM
#7432   Well, futures are up now. What a drive 09/21/15 08:04:27 AM
#7431   For F Fund Investors frenchee 09/20/15 06:00:37 PM
#7430   Futures are in the tank. Next week might drive 09/18/15 05:50:26 PM
#7429   Its typical. The last year of a Presidency hando 09/17/15 09:17:39 PM
#7428   Hard to say I'm confident about the direction Jahvik 09/17/15 08:42:00 PM
#7427   The Fed is right, regardless of very valid hando 09/17/15 04:19:02 PM
#7426   If the Chinese want now to float their hando 09/17/15 04:10:43 PM
#7425   Mind you all that loss was actually part hando 09/17/15 04:02:20 PM
#7424   No rate hike. Nice. I need to buy hando 09/17/15 03:59:19 PM
#7423   Lol. Thanks Jahvik 09/09/15 12:41:09 PM
#7422   Congratulations on making bank. I'm still drive 09/09/15 11:48:22 AM