Lifecycle Funds - Federal News Network

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The Thrift Savings plan mostly finished out the month of December in the red. The only exception was the government securities investment G Fund.

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TSP

TSP funds post across-the-board improvements for 2017

The <a href="https://www.tsp.gov/share-price-history/">Thrift Savings Plan</a> mostly finished out the month of December in the red. The only exception was the government securities investment G Fund, which rose 0.32%, from $17.18 per share to $17.24. Meanwhile, the sharpest drop was in the small cap stock index S Fund. It fell 6.55%, from $65.94 to $61.53 per share, though that still remains the highest value per share of any fund. It also performed the worst in 2022 as a whole, with a yearly return of -22.26%.

<img class="aligncenter wp-image-4410393 size-full" src="https://federalnewsnetwork.com/wp-content/uploads/2023/01/TSP-December.png" alt="" width="1308" height="664" />

The Lifecycle Funds all dropped in December and finished out the year in the red as well. The Lifecycle Income Fund saw the smallest drop last month, falling 0.9%, from $23.09 per share to $22.85.
<table border="2" width="499" cellpadding="10" align="center">
<tbody>
<tr>
<th><em>Thrift Savings Plan — December 2022 Returns</em></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr>
<td align="center"><em>Fund</em></td>
<td align="center"><em>December</em></td>
<td align="center"><em>Year-to-Date</em></td>
<td align="center"><em>Last 12 Months</em></td>
</tr>
<tr>
<td align="center"><em>G fund</em></td>
<td align="center"><em>0.32%</em></td>
<td align="center"><em>2.98%</em></td>
<td align="center"><em>2.98%</em></td>
</tr>
<tr>
<td align="center"><em>F fund</em></td>
<td align="center">-0.65%</td>
<td align="center"><em>-12.83%</em></td>
<td align="center"><em>-12.83%</em></td>
</tr>
<tr>
<td align="center"><em>C fund</em></td>
<td align="center"><em>-5.78%</em></td>
<td align="center"><em>-18.13%</em></td>
<td align="center"><em>-18.13%</em></td>
</tr>
<tr>
<td align="center"><em>S fund</em></td>
<td align="center"><em>-6.55%</em></td>
<td align="center"><em>-22.26%</em></td>
<td align="center"><em>-22.26%</em></td>
</tr>
<tr>
<td align="center"><em>I fund</em></td>
<td align="center"><em>-1.85%</em></td>
<td align="center"><em>-13.94%</em></td>
<td align="center"><em>-13.94%</em></td>
</tr>
<tr>
<td align="center"><em>L Income</em></td>
<td align="center"><em>-0.90%</em></td>
<td align="center"><em>-2.70%</em></td>
<td align="center"><em>-2.70%</em></td>
</tr>
<tr>
<td align="center"><em>L 2025</em></td>
<td align="center"><em>-1.65%</em></td>
<td align="center"><em>-6.72%</em></td>
<td align="center"><em>-6.72%</em></td>
</tr>
<tr>
<td align="center"><em>L 2030</em></td>
<td align="center"><em>-2.64%</em></td>
<td align="center"><em>-10.32%</em></td>
<td align="center"><em>-10.32%</em></td>
</tr>
<tr>
<td align="center"><em>L 2035</em></td>
<td align="center"><em>-2.93%</em></td>
<td align="center"><em>-11.65%</em></td>
<td align="center"><em>-11.65%</em></td>
</tr>
<tr>
<td align="center"><em>L 2040</em></td>
<td align="center"><em>-3.22%</em></td>
<td align="center"><em>-12.90%</em></td>
<td align="center"><em>-12.90%</em></td>
</tr>
<tr>
<td align="center"><em>L 2045</em></td>
<td align="center"><em>-3.47%</em></td>
<td align="center"><em>-14.03%</em></td>
<td align="center"><em>-14.03%</em></td>
</tr>
<tr>
<td align="center"><em>L 2050</em></td>
<td align="center"><em>-3.71%</em></td>
<td align="center"><em>-15.05%</em></td>
<td align="center"><em>-15.05%</em></td>
</tr>
<tr>
<td align="center"><em>L 2055</em></td>
<td align="center"><em>-4.48%</em></td>
<td align="center"><em>-17.60%</em></td>
<td align="center"><em>-17.60%</em></td>
</tr>
<tr>
<td align="center"><em>L 2060</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.61%</em></td>
<td align="center"><em>-17.61%</em></td>
</tr>
<tr>
<td align="center"><em>L 2065</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.62%</em></td>
<td align="center"><em>-17.62%</em></td>
</tr>
</tbody>
</table>

Your Turn

Protecting your TSP nest egg

The <a href="https://www.tsp.gov/share-price-history/">Thrift Savings Plan</a> mostly finished out the month of December in the red. The only exception was the government securities investment G Fund, which rose 0.32%, from $17.18 per share to $17.24. Meanwhile, the sharpest drop was in the small cap stock index S Fund. It fell 6.55%, from $65.94 to $61.53 per share, though that still remains the highest value per share of any fund. It also performed the worst in 2022 as a whole, with a yearly return of -22.26%.

<img class="aligncenter wp-image-4410393 size-full" src="https://federalnewsnetwork.com/wp-content/uploads/2023/01/TSP-December.png" alt="" width="1308" height="664" />

The Lifecycle Funds all dropped in December and finished out the year in the red as well. The Lifecycle Income Fund saw the smallest drop last month, falling 0.9%, from $23.09 per share to $22.85.
<table border="2" width="499" cellpadding="10" align="center">
<tbody>
<tr>
<th><em>Thrift Savings Plan — December 2022 Returns</em></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr>
<td align="center"><em>Fund</em></td>
<td align="center"><em>December</em></td>
<td align="center"><em>Year-to-Date</em></td>
<td align="center"><em>Last 12 Months</em></td>
</tr>
<tr>
<td align="center"><em>G fund</em></td>
<td align="center"><em>0.32%</em></td>
<td align="center"><em>2.98%</em></td>
<td align="center"><em>2.98%</em></td>
</tr>
<tr>
<td align="center"><em>F fund</em></td>
<td align="center">-0.65%</td>
<td align="center"><em>-12.83%</em></td>
<td align="center"><em>-12.83%</em></td>
</tr>
<tr>
<td align="center"><em>C fund</em></td>
<td align="center"><em>-5.78%</em></td>
<td align="center"><em>-18.13%</em></td>
<td align="center"><em>-18.13%</em></td>
</tr>
<tr>
<td align="center"><em>S fund</em></td>
<td align="center"><em>-6.55%</em></td>
<td align="center"><em>-22.26%</em></td>
<td align="center"><em>-22.26%</em></td>
</tr>
<tr>
<td align="center"><em>I fund</em></td>
<td align="center"><em>-1.85%</em></td>
<td align="center"><em>-13.94%</em></td>
<td align="center"><em>-13.94%</em></td>
</tr>
<tr>
<td align="center"><em>L Income</em></td>
<td align="center"><em>-0.90%</em></td>
<td align="center"><em>-2.70%</em></td>
<td align="center"><em>-2.70%</em></td>
</tr>
<tr>
<td align="center"><em>L 2025</em></td>
<td align="center"><em>-1.65%</em></td>
<td align="center"><em>-6.72%</em></td>
<td align="center"><em>-6.72%</em></td>
</tr>
<tr>
<td align="center"><em>L 2030</em></td>
<td align="center"><em>-2.64%</em></td>
<td align="center"><em>-10.32%</em></td>
<td align="center"><em>-10.32%</em></td>
</tr>
<tr>
<td align="center"><em>L 2035</em></td>
<td align="center"><em>-2.93%</em></td>
<td align="center"><em>-11.65%</em></td>
<td align="center"><em>-11.65%</em></td>
</tr>
<tr>
<td align="center"><em>L 2040</em></td>
<td align="center"><em>-3.22%</em></td>
<td align="center"><em>-12.90%</em></td>
<td align="center"><em>-12.90%</em></td>
</tr>
<tr>
<td align="center"><em>L 2045</em></td>
<td align="center"><em>-3.47%</em></td>
<td align="center"><em>-14.03%</em></td>
<td align="center"><em>-14.03%</em></td>
</tr>
<tr>
<td align="center"><em>L 2050</em></td>
<td align="center"><em>-3.71%</em></td>
<td align="center"><em>-15.05%</em></td>
<td align="center"><em>-15.05%</em></td>
</tr>
<tr>
<td align="center"><em>L 2055</em></td>
<td align="center"><em>-4.48%</em></td>
<td align="center"><em>-17.60%</em></td>
<td align="center"><em>-17.60%</em></td>
</tr>
<tr>
<td align="center"><em>L 2060</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.61%</em></td>
<td align="center"><em>-17.61%</em></td>
</tr>
<tr>
<td align="center"><em>L 2065</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.62%</em></td>
<td align="center"><em>-17.62%</em></td>
</tr>
</tbody>
</table>

Your Turn

Pros and cons of the TSP lifecycle funds

The <a href="https://www.tsp.gov/share-price-history/">Thrift Savings Plan</a> mostly finished out the month of December in the red. The only exception was the government securities investment G Fund, which rose 0.32%, from $17.18 per share to $17.24. Meanwhile, the sharpest drop was in the small cap stock index S Fund. It fell 6.55%, from $65.94 to $61.53 per share, though that still remains the highest value per share of any fund. It also performed the worst in 2022 as a whole, with a yearly return of -22.26%.

<img class="aligncenter wp-image-4410393 size-full" src="https://federalnewsnetwork.com/wp-content/uploads/2023/01/TSP-December.png" alt="" width="1308" height="664" />

The Lifecycle Funds all dropped in December and finished out the year in the red as well. The Lifecycle Income Fund saw the smallest drop last month, falling 0.9%, from $23.09 per share to $22.85.
<table border="2" width="499" cellpadding="10" align="center">
<tbody>
<tr>
<th><em>Thrift Savings Plan — December 2022 Returns</em></th>
<th></th>
<th></th>
<th></th>
</tr>
<tr>
<td align="center"><em>Fund</em></td>
<td align="center"><em>December</em></td>
<td align="center"><em>Year-to-Date</em></td>
<td align="center"><em>Last 12 Months</em></td>
</tr>
<tr>
<td align="center"><em>G fund</em></td>
<td align="center"><em>0.32%</em></td>
<td align="center"><em>2.98%</em></td>
<td align="center"><em>2.98%</em></td>
</tr>
<tr>
<td align="center"><em>F fund</em></td>
<td align="center">-0.65%</td>
<td align="center"><em>-12.83%</em></td>
<td align="center"><em>-12.83%</em></td>
</tr>
<tr>
<td align="center"><em>C fund</em></td>
<td align="center"><em>-5.78%</em></td>
<td align="center"><em>-18.13%</em></td>
<td align="center"><em>-18.13%</em></td>
</tr>
<tr>
<td align="center"><em>S fund</em></td>
<td align="center"><em>-6.55%</em></td>
<td align="center"><em>-22.26%</em></td>
<td align="center"><em>-22.26%</em></td>
</tr>
<tr>
<td align="center"><em>I fund</em></td>
<td align="center"><em>-1.85%</em></td>
<td align="center"><em>-13.94%</em></td>
<td align="center"><em>-13.94%</em></td>
</tr>
<tr>
<td align="center"><em>L Income</em></td>
<td align="center"><em>-0.90%</em></td>
<td align="center"><em>-2.70%</em></td>
<td align="center"><em>-2.70%</em></td>
</tr>
<tr>
<td align="center"><em>L 2025</em></td>
<td align="center"><em>-1.65%</em></td>
<td align="center"><em>-6.72%</em></td>
<td align="center"><em>-6.72%</em></td>
</tr>
<tr>
<td align="center"><em>L 2030</em></td>
<td align="center"><em>-2.64%</em></td>
<td align="center"><em>-10.32%</em></td>
<td align="center"><em>-10.32%</em></td>
</tr>
<tr>
<td align="center"><em>L 2035</em></td>
<td align="center"><em>-2.93%</em></td>
<td align="center"><em>-11.65%</em></td>
<td align="center"><em>-11.65%</em></td>
</tr>
<tr>
<td align="center"><em>L 2040</em></td>
<td align="center"><em>-3.22%</em></td>
<td align="center"><em>-12.90%</em></td>
<td align="center"><em>-12.90%</em></td>
</tr>
<tr>
<td align="center"><em>L 2045</em></td>
<td align="center"><em>-3.47%</em></td>
<td align="center"><em>-14.03%</em></td>
<td align="center"><em>-14.03%</em></td>
</tr>
<tr>
<td align="center"><em>L 2050</em></td>
<td align="center"><em>-3.71%</em></td>
<td align="center"><em>-15.05%</em></td>
<td align="center"><em>-15.05%</em></td>
</tr>
<tr>
<td align="center"><em>L 2055</em></td>
<td align="center"><em>-4.48%</em></td>
<td align="center"><em>-17.60%</em></td>
<td align="center"><em>-17.60%</em></td>
</tr>
<tr>
<td align="center"><em>L 2060</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.61%</em></td>
<td align="center"><em>-17.61%</em></td>
</tr>
<tr>
<td align="center"><em>L 2065</em></td>
<td align="center"><em>-4.49%</em></td>
<td align="center"><em>-17.62%</em></td>
<td align="center"><em>-17.62%</em></td>
</tr>
</tbody>
</table>

Your Turn

Are you saving enough for retirement?

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Kim Weaver, director, Federal Retirement Thrift Investment Board