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The TSP G Fund, a popular investment option for federal employees and military personnel in the United States, has seen a strong performance once again.
The G Fund, which invests in government bonds, is known for its stability and low risk. Despite its conservative approach, it has consistently delivered strong returns for investors and has often been named one of the top performing funds in the Thrift Savings Plan (TSP), which is the retirement savings plan for federal employees and military members.
Recent market turbulence has caused many investors to turn to the G Fund as a safe haven, and it has once again delivered solid returns. As of September 30th, the G Fund had returned 1.46% for the year, outpacing the more risky stock-based funds in the TSP.
One of the reasons for the G Fund’s success is its unique investment strategy. Unlike other funds in the TSP, which invest in stocks and other types of securities, the G Fund only invests in U.S. Treasury securities. This means that it is backed by the full faith and credit of the U.S. government, making it one of the safest investments available.
In addition to its safety, the G Fund also offers competitive returns. Its interest rate is based on the average yield of all outstanding Treasury securities with maturities of four or more years. This means that investors benefit from higher interest rates when the overall market is performing well.
The G Fund has also been praised for its low management fees. With an expense ratio of just 0.040%, it is one of the least expensive funds in the TSP. This means that investors get to keep more of their money, which can compound over time and substantially increase their retirement savings.
Overall, the TSP G Fund’s recent performance highlights the benefits of investing in low-risk, stable assets for long-term growth. For federal employees and military members who are looking to build a strong retirement portfolio, the G Fund remains a top choice for its safety, competitive returns, and low fees.
This is one of the best examples of the worst financial advice someone could give.
I've had my money in the C & S for 14 years and made a lot of money. I don't mind them going down because I'll be able to buy more shares which will rebound and I'll be ahead in the long run. I will retire within 4 years and will probably do ROTH Conversions and move out of TSP. If I was going to stay I would move to the G Fund once I retire.
Thanks for the G fund video. It's slow growing but safe . My MS advisor has been wanting me to roll it into one of their IRA accounts where the earnings my be more favorable. But at 65, retired, its probably better to leave as is. My only concern is the 10 year inheritance rule if I never use this money and pass it on to my son which is currently active duty and has a TSP.
G Fund is my cash bucket – 4 to 5 years to cover. Remaining is in Vanguard (VDIGX, VASIX, VWENX, VDEQX).
Retired in 2017 at 56 y/o. Now 65% L2025, 35% G fund. Taking withdrawals from TSP and IRA. Delaying SSI for Roth Conversions.
I have 400k in the G fund. I sleep really well at night , especially when there is fear of a market crash. I would rather make positive 2% than fear taking a 60-70% loss.
I converted my c funds over to g funds when I retired on Dec 31st. I'm only interested in stability in these post working years. Much better than sitting in a bank. I made a good move for me.
Retiring in 2 years. After making huge gains in my 401k the last 10 years, in 2021 I took 8 years of living expenses ( probably a little overkill ) and put it in my stable value fund ( same as G fund).
Retiring this August and moved all of my TSP to G fund late in 2021. Feel secure in my decision as I am guaranteed not to lose any funds. Once I retire, will evaluate pulling out of TSP completely. Sleeping good at night with current market variability.
Unfortunately, most of us cannot get into the TSP, but if you are in a 401k or 403b you probably have a stable value fund that is very similar or even better than the G fund (in yield). My current stable value which the principal is guaranteed by the A+ rated insurer is currently paying 1.65%. It is reset every six months so on July 1 of this year I anticipate it going up above its current yield.
Warren Buffet's bucket method would invest 90% C Fund and 10% G for his wife's trust.
Works for me!
Good stuff Josh. Yep, G Fund for safety, not for growth. Too bad you didn’t create this video tomorrow to get the latest rate of return.
Agreed. I have over a million dollars in TSP and about to (early) retire in 2 months. When inflation began to rise and I started to lose lots of money, so I moved everything into the G Fund to prevent any more losses. Now my money is safe and I have made up for losses. As soon as the economy turns I'll move it back to the L funds to start capturing growth. But I figure that might have to wait until the next election. But at least I'm not having any more losses. Thanks, Josh.
Jan 1 I went 70%C 30%G. 3 years from retirement. Future contributions 100%C.