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

Thrift Savings Plan

RSS Feed
      Hide Sticky   Hide Intro
Moderator: frenchee Assistants: The_Free_Nebula, baja6string
Search This Board: 
Last Post: 7/3/2020 2:40:57 PM - Followers: 74 - Board type: Free - Posts Today: 0

WELCOME TO THE TSP Discussion Board!



Background. The Thrift Saving Plan (TSP) is a retirement savings plan for current and 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 https://www.tsp.gov/index.shtml

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.  The Vanguard Extended Market Index VIPERS (VXF) is a proxy for the S Fund. 

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&P Large Cap Index ($SPX) is a proxy for the C Fund.

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.  The iShares Core Aggregate Bond ETF (AGG) is a proxy for the F Fund.

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.  The iShares MSCI EAFE ETF (EFA) is a proxy for the I Fund.

* 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: http://investorshub.advfn.com/boards/complex_terms.asp

 

 ...Worth-a-Click...

C Fund: Regression to Trend
P/Es & Yields on Major Indexes
American Bull NYSE Market Timing
DecisionPoint Market Scoreboard for C Fund

As of 5 Mar 20

PostSubject
#8160   Thank you... The_Free_Nebula 07/03/20 02:40:57 PM
#8159   Welcome to Retirement Life! BleeckerStreet 07/03/20 01:13:28 PM
#8158   thanx The_Free_Nebula 07/02/20 03:06:31 PM
#8157   Congrats! kingpindg 07/02/20 03:02:33 PM
#8156   Yesterday was my last day of federal service.... The_Free_Nebula 07/02/20 02:43:07 PM
#8155   Thanks for the Tips. I am glad The_Free_Nebula 06/12/20 03:13:37 PM
#8154   Free – I retired 15 years ago. Over baja6string 06/12/20 02:57:08 PM
#8153   thanx for the reply The_Free_Nebula 06/11/20 03:53:44 PM
#8152   definitely not The_Free_Nebula 06/11/20 03:53:13 PM
#8151   Maybe not Jahvik 06/11/20 03:51:49 PM
#8150   Hi "The Free Nebula", I was concerned about Snippy 06/08/20 07:27:36 AM
#8149   We all may have moved too early The_Free_Nebula 06/08/20 05:38:25 AM
#8148   I moved too early, missed a good 6% Good job Jahvik 06/08/20 02:24:50 AM
#8147   On Thursday, I pulled out from C/S-35% each Warhead 06/07/20 01:36:02 PM
#8146   Moved to 85% G yesterday...Probably should have done The_Free_Nebula 06/06/20 01:34:24 PM
#8145   Went to 100% G for the rest of Jahvik 05/22/20 11:31:47 AM
#8144   Moved to 25 C, 25 S, 50% G Just Jahvik 05/19/20 03:20:44 AM
#8143   Frenchee- MACD of price looks like we may soon baja6string 05/06/20 09:27:57 PM
#8142   Look at the chart this guy posted. Warhead 05/02/20 07:12:26 PM
#8141   Time to Take Some Profits frenchee 05/01/20 11:37:28 PM
#8140   I’m with you! Moved from 50% S, 50% G Jahvik 04/17/20 06:00:20 PM
#8139   Here’s the latest from the COVID19 Johns Hopkins baja6string 04/17/20 03:32:39 PM
#8138   4/14/20 I hope all yall are out of Warhead 04/14/20 10:41:52 PM
#8137   I’m playing it similarly. I’m down 2.56% Jahvik 04/11/20 07:15:42 AM
#8136   Hoping yall got out before the carnage had Warhead 04/11/20 12:10:31 AM
#8135   When I googled Negative rates. From Feb 18 2016 BleeckerStreet 03/25/20 11:58:29 AM
#8134   The AGG F fund is on the move. BleeckerStreet 03/25/20 11:47:46 AM
#8133   Negative rates come to the US: 1-month and BleeckerStreet 03/25/20 11:10:53 AM
#8132   Historic Crash and G Fund Interest Rate Reduction BleeckerStreet 03/24/20 07:16:26 PM
#8131   Thanks, BleeckerStreet for the shout out frenchee 03/21/20 06:47:36 PM
#8130   Brian Shannon, CMT my favorite chartist BleeckerStreet 03/20/20 05:06:37 PM
#8129   On average, it takes about 40 weeks for frenchee 03/19/20 10:38:12 PM
#8128   looking to pounce as well...when the time is The_Free_Nebula 03/19/20 04:16:25 PM
#8127   fingers crossed...these green days seem to be followed The_Free_Nebula 03/19/20 04:14:20 PM
#8126   I didn't find much of value in the baja6string 03/17/20 11:31:50 PM
#8125   Indeed. frenchee 03/17/20 08:49:07 PM
#8124   We will soon find out. I'm okay frenchee 03/15/20 07:29:59 PM
#8123   WOULDN'T PUT MONEY TO WORK YET..NOT UNTIL WE INTHEKNOW1 03/14/20 01:01:18 PM
#8122   Interesting times ahead The_Free_Nebula 03/13/20 09:14:24 PM
#8121   I'll remain clueless until it happens I guess. BleeckerStreet 03/13/20 07:23:02 PM
#8120   What do you think could happen other than The_Free_Nebula 03/13/20 04:53:04 PM
#8119   Just wondering what happens to TSP G fund BleeckerStreet 03/13/20 02:18:26 PM
#8118   Whew The_Free_Nebula 03/12/20 01:25:56 PM
#8117   More pain in the market. BleeckerStreet 03/12/20 12:41:47 PM
#8116   Should have bought more VIX puts...Still more room The_Free_Nebula 03/09/20 01:56:17 PM
#8115   If you are a long-term investor, bookmark this chart frenchee 03/06/20 03:34:33 PM
#8114   If you haven't looked at the S&P 500 frenchee 03/05/20 08:32:51 AM
#8113   $SPX futures are up 2.63% as I pen frenchee 03/04/20 07:34:07 AM
#8112   giving it back today... The_Free_Nebula 03/03/20 02:07:12 PM
#8111   Correction in my previous linked post. I frenchee 03/03/20 11:50:46 AM
PostSubject