Thrift Savings Plan C Fund Monthly Returns Monthly Analysis: Thrift Savings Plan Monthly Returns (2024)

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Thrift Savings Plan C Fund Monthly Returns Monthly Analysis: Thrift Savings Plan Monthly Returns? ›

Basic Info. Thrift Savings Plan C Fund Monthly Returns is at 3.22%, compared to 5.34% last month and 3.67% last year. This is higher than the long term average of 0.96%.

The TSP is a defined contribution plan, meaning that the retirement income you receive from your TSP account will depend on how much money you put into your account during your working years and the earnings accumulated over time (and, if you're eligible, agency or service contributions and their earnings).

Four of the five funds are index funds, which hold securities exactly matching a broad market index. The money participants place in the F and C Funds is invested in separate accounts, while the S and I Fund monies are invested in trust funds commingled with other tax-exempt pension and endowment funds.

The C Fund's investment objective is to match the performance of the Standard and Poor's 500 (S&P 500) Index, a broad market index made up of stocks of 500 large to medium-sized U.S. companies.

The The I Fund holds common stocks of all the companies represented in the EAFE Index in virtually the same weights that they have in the index. The performance of the I Fund is evaluated on the basis of how closely its returns match those of the EAFE Index.

This means that when you contribute 5% of your basic pay, your agency or service contributes an amount equal to 4% of your basic pay to your TSP account. Together with the Agency/Service Automatic (1%) Contribution given to you, your agency/service puts in a total of 5%.

The C Fund has grown 7.49% in 2024, marking the best performance among the TSP's core funds. The small- and mid-size businesses of the S Fund posted the strongest numbers in February, gaining 6.03%. That's good enough to bring the fund 3.48% into the black in 2024.

Thrift Savings Plan C Fund Monthly Returns is at 3.22%, compared to 5.34% last month and 3.67% last year. This is higher than the long term average of 0.96%.

The conservative funds are the G and F funds and the aggressive funds are the C, S, and I funds.

Your best bet is to stick with the C, S and I Funds. Here's the ratio we recommend for your portfolio: 80% in the C Fund, which is tied to the performance of the S&P 500. 10% in the S Fund, which includes stocks from small- to mid-sized companies that offer high risk and high return.

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While there is some volatility, the C Fund is very popular because there is tremendous opportunity for significant dividends as market prices shift. Have questions about the C Fund and how to make the most of your TSP?

TSP C Fund - Common Stock Index Investment Fund tracks the S&P 500 Index. The results below are based on the holdings of the iShares Core S&P 500 ETF (IVV), which tracks the same index.

In periods of falling interest rates, the F Fund will experience gains from the resulting rise in bond prices. So in the long run, you may expect F Fund returns to exceed those of the G Fund; however, you should also expect greater price volatility (up and down movements).

While they may not have as many funds to choose from, TSP participants do have one big advantage over most 401(k) investors: lower fees. The total expense ratio, which covers both investment and administrative fees, is 0.066% for individual TSP funds.

You can request to receive a total distribution of your entire TSP account balance if you want to take all of your money out of the TSP. Once processed, your TSP account balance will be $0, and you'll no longer be able to move money into the TSP from eligible plans.

The TSP is a defined contribution, cash, or deferred arrangement (CODA), similar to CODAs described in § 401(k) of the Internal Revenue Code (IRC).

While the TSP isn't technically a 401k, it is a defined contribution plan just like a 401k (and a 403b for that matter). Defined contribution means your employer – in this case, the Federal Government – will contribute a defined amount toward retirement for you subject to certain rules.

But the 457(b) is designed especially for employees of state and local governments, as well as a few tax-exempt organizations. (If you're employed by the federal government, however, you have access to a thrift savings plan rather than a 457(b) plan.)

The Roth Thrift Savings Plan (TSP) is the U.S. government's version of a Roth 401(k) and is funded through payroll deductions. Roth IRAs and Roth TSPs have different rules regarding taxes, contribution limits, withdrawals, and required minimum distributions (RMDs).