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The worst TSP Fund has underperformed with significant volatility since it’s inception. Can you guess which fund it is?
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Cooper Mitchell helps federal employees better understand their benefits and helps them retire on their terms. Using financial planning and investment management, Cooper is able to tackle the issues that are unique to federal employees.
Cooper is also a public speaker who is available for various federal conferences and events.
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Graphs used from: LynAlden.com – she has an awesome infograph on the I-Fund as well.
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Do you agree with which fund I chose as the worst? If not, how come?
Thanks Coop! This is a perspective that we need to hear more of.
What are you thoughts on the L funds? I am looking to set my tsp and forget about it until I retire I made the mistake of keeping it in G fund for 4 years and want to make up for lost time.
This was encouraging. A few years before I retired from federal service, the certified financial planner I dealt with told me to get out of the I Fund; he didn't say why. I had never felt comfortable with it in the first place, but I would not make any changes unless a licensed expert told me to do so because I am not a financial expert.
So what is the best fund to invest?
This is the BEST fund in 2019-2020
Cooper which is better L fund or the C Fund? I was going to invest in VTSAX but I think both funds have s&p500
Why are bonds and the G fund considered no risk? If they are based on debt, what will happen when nations debtors and investors realize that these enormous debts will never ever be paid off? Won't they be come worthless scraps of IOU's?
No money ever in the G Fund, 50% in the C and 50% in the S…I'm doing fine, especially since Trump has been office. .
The I Fund is about 50% a play on the relative value the US Dollar. During periods of a falling Dollar, the I Fund is a great place to be. If the Dollar is trending down and the stock markets are trending up, as has been the case for long periods in the past, the I Fund is the place to be!
These videos take WAY too long to get to the point. Let me save you some time.The "I" Fund (according to him) is the worst.
I am not too worried about the various funds – I have been putting 20% in each of the funds, the current ratio is:
16% in G & F, 24% in C & S with 18% in I. I suppose I could move everything into C&S but diversity compels me to stick with my plan – almost 12% growth. My plan is to have my mandatory withdrawal taken from my G fund which will be refreshed from my winners as needed – does that sound like a good idea?
The worst fund is the G fund at 2.33% according to the TSP website…
https://www.tsp.gov/InvestmentFunds/FundPerformance/annualReturns.html
Like the videos though! 🙂
When I retire, do you recommend moving my TSP to G Fund or L Income?
50% C fund 50% S fund. It’s worked very well for me thus far.
If you're not keeping up with inflation you are LOSING money..!!
ugh. the point about diversification is you're always going to have to say sorry. And I literally mean ALWAYS. Something will always underwhelm. But the things that underwhelm change. Thus you stick with your diversified portfolio.
If the TSP is all you have, man, you need to have the I fund in there.
interesting video.
Right now my split is 50/25/25 CSI. Would you still recommend 80/10/10 or 60/20/20 with the supposed market correction this year? Or since I'm 50 years old should I move everything to a G fund till the market corrects?? Thanks
I thought one of your videos said the I fund growth was over 20% highest ever. Why would you say its the worst fund then??
100% agree. You never want to take more risk than potential return…and this in essence is the I Fund. It is stock market risk without stock market returns (or at least historic US stock returns).
Having lived all over the world, I believe the US is the only truly capitalist society. Additionally, most US companies are globalized or heading that way….whether that be McDonalds or Caterpillar or Amazon or other. And as our market goes, so does the world's markets these days.
While I also hate the G Fund, at least it is honest…low risk/low return. I despise this fund more so because the government has made it the DEFAULT, meaning many hard working government employees that don't know any better, think they are doing a good job investing but barely getting better returns than a savings account. The government is in essence getting low interest loans off the backs of its employees. And you could say some people just don't want to take risk, but I would say most of these people don't really understand that they need to take risk to get the necessary returns to actually retire, which is the goal.
is this the only guy that talks about TSP ..damn
lol, ironically the I fund is leading currently at 25 1/2. go figure