Thrift Savings Plan portfolio revealed. How I invest in the TSP will help in providing an inside look at my portfolio allocation and give a real example of what the inside of the TSP looks like. This should be very helpful for anyone eligible to participate in the TSP as this level of transparency is very rare.
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Thrift Savings Plan Portfolio Revealed! How I Invest in the TSP
The Thrift Savings Plan (TSP) is a retirement savings plan available to federal employees and members of the military. It is one of the most popular and effective ways to save for retirement, offering low fees and a selection of investment options. In this article, we’ll delve into how I personally invest in the TSP and reveal my portfolio strategy.
Before we get into the details, it’s important to understand the investment options available within the TSP. The plan offers five core funds: the G Fund, F Fund, C Fund, S Fund, and I Fund. These funds cover a range of asset classes, including government securities, corporate bonds, large-cap stocks, small-cap stocks, and international stocks.
My TSP investment strategy focuses on diversification and long-term growth. I allocate my contributions across the C Fund (40%), S Fund (20%), and I Fund (20%), with the remaining 20% allocated to the G Fund for stability and capital preservation.
The C Fund, also known as the Common Stock Index Investment (CSII), replicates the performance of the S&P 500 index, consisting of the largest 500 publicly traded U.S. companies. This fund provides exposure to the growth potential of the U.S. stock market. It is crucial to note that the C Fund does not include any small-cap or international stocks.
The S Fund, short for Small Cap Stock Index Investment (SCSII), tracks the performance of the Dow Jones U.S. Completion Total Stock Market Index. This index represents a broad range of small to mid-cap U.S. companies. By investing in the S Fund, I aim to capture the additional growth potential offered by this segment of the market.
The I Fund, or International Stock Index Investment (ISII), is designed to track the performance of the MSCI EAFE index. This index represents stocks of companies located in developed economies outside of the United States. By including international stocks in my portfolio, I seek to diversify my investments and reduce reliance on the U.S. stock market’s performance.
Lastly, the G Fund, which stands for Government Securities Investment Fund, invests in U.S. Treasury securities specially issued to the TSP. It offers a stable return and is not subject to market fluctuations. Although the returns may be modest compared to other funds, the G Fund provides stability and acts as a cushion during market downturns.
By diversifying across these funds, I aim to balance the risks and potential rewards of my TSP investments. It enables me to participate in the growth of the U.S. stock market while also diversifying into small-cap and international stocks for additional growth opportunities.
It’s important to mention that TSP contributions are made on a pre-tax basis, meaning they are deducted from your salary before taxes are calculated. This allows for potential tax savings and increases the amount available for investment.
Additionally, it is crucial to regularly review and rebalance your TSP portfolio to ensure it aligns with your investment goals and risk tolerance. Market conditions and your personal circumstances may change over time, so it’s essential to make adjustments accordingly.
Investing in the TSP offers federal employees and military personnel a powerful tool for retirement savings. By understanding the various investment options and developing a strategy that aligns with your goals, you can make the most of this retirement plan. Remember, diversification and long-term growth should be key considerations when constructing your TSP portfolio.
Sir-thank you for the video, can I put my whole amount money into the S Funds? is that risky? can you tell me
Excellent information on TSP my wife is a VA employeee I’m a veteran we both Thank You for answering some questions we ve both had regarding TSP
Retired from fed service by May 2016 shortly after turning 53 y.o. after 30+ years total, 4 military and 26+ as a civilian. Since early 2016 I'm 40% C, 40% S, and 20% L2050. It's worked out very very well, these are the top 3 performing funds over the last 10 years, the historical numbers speak for themselves.
Is it true that after age 50 you can contribute up to 25k/year? And will the gov't match that or is it still 5%?
I was a sucker…I'm a civil employee and it all went to the G fund, I want to know where I can allocate my funds so that in 3 years I see the difference$$$
All of this money was saved in just 8 years?
I sure wished you clicked on the 12 month PIP. It would have shown how your selected portfolio performed!
Great video!!! I work in the federal government and allocated mine from the L2040 and spread it to C 70%, S 15%, I 5%, G 5% and F %5. Also have the advantage of the 5% matching.
I’m at 70% C and 30% S .I gave up on the L funds when I saw how much money I made with my current strategy .
Sooo how much would increase your account after 30 years with 400$ added monthly into it ? Please
Thanks! I intend to keep about 95%+ in the C Fund (rest in S and I fund) and then switch over a larger portion to the S Fund after a major market drop to then grab the regrowth of the economy.
I've been a fed employee for about 10 months. I've been very surprised at the the number of those around me who have been here longer that haven't looked at these things. Up to this point in my life I've never had this kind of control over an employer sponsored ret account. Thanks for the insight.
I'm 40 percent G, 25 percent C, 25 percent S, and the rest I. But I'm older than you.
JPMorgan's just come out an index funds ETF ticker symbol is BBUS expense ratio 0.02% the ETF similar to Vti. The BBUS price $54 right now.
I love my tsp! I just got out of the marine corps in January as a sergeant
Im having a hard time with investing through a 401 k. Ive been using M1 for about 6 weeks now with about 3 or 4 hundreds dollars. Im ready to max out for the tax year but want to do it correctly. Ive searched through your vids and may have just overlooked exactly how.
I've written countless emails and even letters (laugh at me) to the EU parliament, to start investing in startups and upcoming platforms that make it easier for the masses to invest, and guess what! They've never, not once, even cared to answer. Yet I see other governments all around the globe making it cheaper and easier for their citizens to invest. I hope they'll come around soon. But really, I'm not sure they ever will.
Thanks for the video, Ryan, I love learning about new ways from around the world.
I personally invest 100% into the C Fund.
C fund is basically the s&p 500 in all but name, correct?
Cool you’re showing your cards.
Does not apply to me but still interesting to get more knowledge. Nice hoodie. Thank you.
Great video! I'm not as knowledgeable of an investor as you but I got into the tsp L fund in 2011 and have made a significant amount of money that way. I would highly recommend contributing to the tsp for those who are eligible. Thanks for the information.
I find that a lot of AF Airmen are enrolled in the TSP, but getting them to take the time to log in and tweek their allocations is next to impossible.
Thanks for sharing on the TSP! Very helpful
I wonder what the dividend payout looks like? I gotta check that out
Thanks for doing this. I'm gonna be going over it asap. My TSP has been in the G fund only for 3 years at 10% with the government matching 5%. I've been trying to get people to explain it but HR sucks.
Great video. You have many followers within the DOD.
I see you are set in your TSP, I am very happy that you are doing this vlog. If you don' t use all your TSP account can you past that down to your family or friends?
Cool u got a shirt made