New year brings a steady increase of TSP returns

The Thrift Savings Plan investment and lifecycle funds both see slight increase in return as the new year takes off.

The Thrifts Savings Plan has taken off in 2018, producing mostly positive returns in both the lifecycle and index funds. Four out of five TSP index funds saw a steady increase, almost all above three percent, even when compared to the across-the-board improvements from the end of 2017.

The highest rates of return were found in the common stock C fund and the international stock I fund, based on S&P index. The C fund returned 5.72 percent, the I fund following close after with 5.00 percent. This is reflective of months past, as both funds exhibited a return of more than 25 percent over the last 12 months.

But the I fund remains the index with the highest rate of return over the last 12 months at 27.99 percent.

One index fund did see a slight drop. The fixed-income investment index, or F fund, decreased by 1.14 percent between December and January. However, in the last 12 months, the fund still saw a positive return of 2.40 percent.

Only the G fund, or government securities investment fund, remained stagnant. Even so, the gains in the last 12 months still fell around 2.33 percent. A slow, but steady positive return.

The S fund, based on the Dow Jones index, also increased to 3.34 percent, bringing the 12 month average to 19.59 percent.

The lifecycle funds all saw an increase of more than one percent percent as well.

The L Income fund presented the least amount of change at only 1.10 percent. The highest return in lifecycle funds came from the L 2050 fund, falling at 4.15 percent.

The L 2030 and L 2040 were close behind with 3.12 percent and 3.66 percent respectively.

In the past 12 months, the lifecycle funds, excluding the L Income, have increased by more than 10 percent. The highest, L 2050, returning at 21.42 percent since this time last year.

 

Thrift Savings Plan — January 2018 Returns
Fund December 2017 January 2018 Last 12 months
G fund 0.20% 0.20% 2.33%
F fund 0.48% -1.14% 2.40%
C fund 1.11% 5.72% 26.40%
S fund 0.47% 3.34% 19.59%
I fund 1.60% 5.00% 27.99%
L Income 0.41% 1.10% 6.71%
L 2020 0.57% 1.84% 10.72%
L 2030 0.81% 3.12% 16.38%
L 2040 0.92% 3.66% 19.01%
L 2050 1.00% 4.15% 21.42%

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