Fidelity SPDR 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: 11/22/2014 7:54:00 AM - Followers: 70 - 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. This information is for educational purposes only! This is not advice or a recommendation. We do not give investment advice. Do not act on this data. Do not buy, sell or trade the funds mentioned herein based on this information. Do you own due dilegence. 

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. For expanded charting and discussion about the F Fund, see #board-12339.

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

As of 30 Sep 14

#6737   Like I said, I missed this cycle. hando 11/22/14 07:54:00 AM
#6736   Think of going all "G" soon...I want to The_Free_Nebula 11/21/14 10:30:26 AM
#6735   That is good work, and a good perception. hando 11/20/14 10:17:39 AM
#6734   Thanks a lot for your valuable input. I hando 11/18/14 12:39:51 PM
#6733   S Fund RSI Short-Term Sell Happened 13 Nov frenchee 11/14/14 09:49:51 AM
#6732   Broadening Top in C Fund? frenchee 11/13/14 12:12:26 PM
#6731   Some of the Reasons Why I don't Like frenchee 11/13/14 10:18:34 AM
#6730   Not time yet... frenchee 11/12/14 04:02:27 PM
#6729   Intermediate-Term Chart Starting to Align with Daily for frenchee 11/12/14 03:58:29 PM
#6728   It was a missed opportunity. I was caught hando 11/11/14 09:50:39 AM
#6727   I am on my way out. 20% more hando 11/07/14 12:59:36 PM
#6726   I just got back in...remaing 65% G...I see The_Free_Nebula 11/07/14 09:48:58 AM
#6725   Why the stock market is weaker than it looks frenchee 11/07/14 09:41:09 AM
#6724   C Fund in Presignal Area for Short-Term Sell frenchee 11/06/14 03:11:06 PM
#6723   Taking 20% off the table at the close hando 11/06/14 10:10:45 AM
#6722   Oh I think the last slap in the hando 11/06/14 03:13:37 AM
#6721   I watched Alan Greenspan go before congress. They hando 11/06/14 03:11:09 AM
#6720   Looks like the market is oblivious to the The_Free_Nebula 11/05/14 02:20:39 AM
#6719   Of course. Dem overinflate the economy with Jahvik 11/04/14 09:57:38 PM
#6718   The last 5 years has made that quite clear... The_Free_Nebula 11/04/14 02:53:02 PM
#6717   The question is what does the Market like? hando 11/04/14 01:07:17 PM
#6716   If the wrong folks get in the market The_Free_Nebula 11/04/14 11:55:38 AM
#6715   I felt the same way. There was a hando 11/04/14 11:51:07 AM
#6714   Switched to all G ahead of the elections.... The_Free_Nebula 11/03/14 12:55:41 PM
#6713   I am 50% out into G at the hando 11/03/14 12:09:39 PM
#6712   Wow what a ride. hando 10/31/14 01:27:49 PM
#6711   C, I, S - fresh simple charts The_Free_Nebula 10/31/14 08:19:53 AM
#6710   Market comes screaming back...right in time for the The_Free_Nebula 10/31/14 01:45:47 AM
#6709   Thx, I am already 50% in. hando 10/30/14 01:50:21 PM
#6707   It's almost time to switch into S Fund frenchee 10/28/14 03:45:18 PM
#6706   just got on. I must say if I hando 10/28/14 03:40:14 PM
#6705   I must be the odd Man out here. Jahvik 10/27/14 05:49:12 PM
#6704   Hando, I think it's safe to accumulate C frenchee 10/27/14 10:11:35 AM
#6703   What a ride. 10% correction. great buy opportunity. hando 10/23/14 01:58:01 PM
#6702   New lows ahead IMHO, staying in G for Jahvik 10/22/14 05:36:58 PM
#6701   YES!! Thanks for the Charts! Spooz 10/22/14 01:56:15 PM
#6700   After SAP,Google and IBM missing I think Apple Jahvik 10/20/14 02:03:05 PM
#6699   The charts are bouncing out of the abyss.... The_Free_Nebula 10/17/14 09:39:09 PM
#6698   Moved to g for tomorrow. Jahvik 10/16/14 12:20:29 PM
#6697   I agree TFN... frenchee 10/16/14 09:42:18 AM
#6696   That's about how I see it too. Jahvik 10/16/14 09:03:31 AM
#6695   Oh the horror...Folks if your are not out The_Free_Nebula 10/15/14 10:23:05 AM
#6694   1867 is my bail point for C Fund frenchee 10/11/14 12:30:28 PM
#6693   The bounce answered my question. Jahvik 10/08/14 02:58:35 PM
#6692   I told myself if nasdaq broke below 4420 Jahvik 10/08/14 08:00:59 AM
#6691   So am I :(( Spooz 10/06/14 02:26:22 PM
#6690   S & I Fund Investors frenchee 10/06/14 11:46:42 AM
#6689 frenchee 10/04/14 08:31:14 AM
#6688   It was not fun going down. But I hando 10/03/14 01:18:34 PM
#6687   Good Article hando 10/03/14 01:15:31 PM