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Last Post: 4/24/2017 10:02:18 AM - Followers: 74 - Board type: Free - Posts Today: 1

WELCOME TO THE TSP Discussion Board!

Background. The Thrift Saving Plan (TSP) is a retirement savings plan 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. The principal is guaranteed.

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


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As of 4 Apr 17

#7896   interesting.... The_Free_Nebula 04/24/17 10:02:18 AM
#7895   Here’s why the S&P 500 might actually be undervalued frenchee 04/04/17 10:15:42 AM
#7894   Excellent find, baja6string. Thanks! frenchee 04/04/17 10:08:14 AM
#7893   S&P 500 Composite regression to trend… baja6string 04/03/17 05:13:50 PM
#7892   Thanks Frenchee! I still consider myself to Snippy 03/27/17 04:08:56 PM
#7891   Does anyone have a current link for S&P frenchee 03/27/17 01:27:38 PM
#7890   Snippy, I'm thinking DWCPF or $DWCPF (if you frenchee 03/27/17 01:25:16 PM
#7889   Check out What is DWCPF frenchee 03/27/17 12:50:01 PM
#7888   Hi folks, Snippy 03/23/17 07:30:50 AM
#7887   Thanks..... The_Free_Nebula 03/20/17 07:27:05 PM
#7886   In response to your PM, 136 03/20/17 06:55:59 PM
#7885   I hear you....had a nice consolidation recently...i may The_Free_Nebula 03/09/17 01:27:17 PM
#7884   Moving to 100% G Fund effective COB 10 frenchee 03/09/17 12:15:25 PM
#7883   Concur with your analysis and TY for the link. frenchee 03/09/17 11:06:59 AM
#7882   There has been some pretty serious deterioration in baja6string 03/07/17 03:47:01 PM
#7881   doom and gloomites have cost many millions of The_Free_Nebula 03/07/17 01:27:58 PM
#7880   She appears to be currently at bat... frenchee 03/07/17 01:23:52 PM
#7879   Man the fat lady has not sung in The_Free_Nebula 02/21/17 02:32:26 PM
#7878   hummmm...fat lady warming up? frenchee 02/21/17 01:53:06 PM
#7877   TSP on fire... The_Free_Nebula 02/13/17 02:52:26 PM
#7876   LOL.. PROFITizCOOL 02/01/17 11:30:41 AM
#7875   Can't let the month end without a single post. BleeckerStreet 01/31/17 07:26:19 PM
#7874   market consolidating...Should have been all G The_Free_Nebula 12/30/16 03:03:05 PM
#7873   C, I, S - Fresh simple tracking charts The_Free_Nebula 12/20/16 02:33:00 PM
#7872   true enough The_Free_Nebula 12/13/16 08:14:32 PM
#7871   Can't go broke taking a profit! frenchee 12/13/16 08:04:52 PM
#7870   Stock market continues to burn red hot...I reduced The_Free_Nebula 12/13/16 03:24:34 PM
#7869   Investors Pile into Treasury Shorts frenchee 12/13/16 03:15:38 PM
#7868   It's just the opposite relative to intermediate and frenchee 12/12/16 08:19:23 AM
#7867   Thanks for clarifying this. drive 12/11/16 08:18:43 PM
#7866   No, it is not true. Rising interest baja6string 12/11/16 08:13:11 PM
#7865   I've read somewhere that F fund will gain drive 12/11/16 12:26:39 PM
#7864   Both C and S in the power zone...probably The_Free_Nebula 12/09/16 10:50:28 AM
#7863   Merry Christmas back at you.....not sure I agree The_Free_Nebula 12/09/16 10:30:08 AM
#7862   You are welcome. Merry Christmas, TFN! frenchee 12/09/16 07:42:19 AM
#7861   Got it...Thanx The_Free_Nebula 12/08/16 11:52:07 AM
#7860   G is like a money market fund. frenchee 12/08/16 11:44:14 AM
#7859   Why "F" and not "G"? TIA The_Free_Nebula 12/08/16 11:06:06 AM
#7858   The Stock Markets Oldest Indicator Just Flashed Red frenchee 12/08/16 10:57:51 AM
#7857   I'm in your camp baja6string. I'm moving frenchee 12/08/16 10:13:37 AM
#7856   I am glad I jumped back in on The_Free_Nebula 12/07/16 02:42:31 PM
#7855   Chartists are bullish due to today’s break above baja6string 12/07/16 02:37:01 PM
#7854   doubt that we see a 5% correction...So far The_Free_Nebula 11/29/16 10:08:58 AM
#7853   On the money! I'd like to see the -5% Jahvik 11/28/16 07:22:57 PM
#7852   I am looking for consolidation before the January The_Free_Nebula 11/25/16 04:04:54 PM
#7851   I've stayed in as folks seem to be Snippy 11/25/16 01:56:08 PM
#7850   Snippy 11/25/16 01:55:59 PM
#7849   WTF is up with the market...I am always The_Free_Nebula 11/25/16 01:24:07 PM
#7848   S is way in the power zone...can't remember The_Free_Nebula 11/23/16 07:18:09 PM
#7847   C, I, S - Fresh simple tracking charts The_Free_Nebula 11/22/16 04:53:17 PM