Thrift Savings Plan G Fund Monthly Returns Monthly Insights: Thrift Savings Plan Monthly Returns (2024)

FAQs

Thrift Savings Plan G Fund Monthly Returns Monthly Insights: Thrift Savings Plan Monthly Returns? ›

Thrift Savings Plan G Fund Monthly Returns is at 0.35%, compared to 0.39% last month and 0.35% last year. This is lower than the long term average of 0.37%.

Although the securities in the G Fund earn a long-term interest rate, the Board's investment in the G Fund is redeemable on any business day with no risk to principal. The value of G Fund securities does not fluctuate; only the interest rate changes.

The TSP I Fund is an international stock index fund that tracks the investment performance of the Morgan Stanley Capital International ACWI IMI ex USA ex China ex Hong Kong Index.

The C Fund holds all the stocks included in the S&P 500 Index in virtually the same weights that they have in the index.

TSP G Fund Rates of Return

As of July 2024, the G Fund rate of return, currently at 4.625%, is the highest it has been in a number of years. The G fund rate has declined from 4.75% in July 2024 due to the anticipation that the Federal Reserve will begin to cut interest rates later in the year.

However, this only happens very rarely, but because money market funds are not FDIC-insured, meaning that money market funds can lose money.

More specifically, the F Fund tends to be a better investment than the G Fund when interest rates are flat or falling, while the G Fund is better when interest rates are rising. Right now, interest rates are rising, and so it is safer to have money in the G Fund.

If you are approaching retirement and are planning to take withdrawals from your TSP soon, 100% in the C fund is almost never a good idea. As we saw from the graphs, the C fund is very volatile and very difficult to predict in the short term.

• The investment objective of the G Fund is to ensure preservation of. capital and generate returns above those of short-term U.S. Treasury securities. • The G Fund is invested in U.S. Treasury securities specially issued to. the TSP. Payment of principal and interest is guaranteed by the U.S. government.

Fees and Expenses: While the TSP has low fees compared to many other retirement plans, fees and expenses can still impact your overall returns and potentially lead to losses. Lack of Diversification: If your TSP investments are concentrated in a few funds or asset classes, you may be exposed to higher risks.

Should I move my TSP to G fund now? ›

Putting your money into the G Fund is safe. It has never gone down in value. It also goes up much less than stock funds go up in most years (not all years).

Thrift Savings Plan G Fund Monthly Returns is at 0.35%, compared to 0.39% last month and 0.35% last year. This is lower than the long term average of 0.37%.

Basic Info. Thrift Savings Plan G Fund Monthly Returns is at 0.35%, compared to 0.39% last month and 0.35% last year. This is lower than the long term average of 0.37%.

The fifth core fund, the G Fund, invests in very low-risk, low-yield government bonds and guarantees principal protection to investors.

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).

It is also important not to deplete your retirement investments by taking large withdrawals too early in your retirement. Even the G Fund (which invests in government securities) isn't protected by the FDIC.