New TSP Lifecycle funds finish first month in black as downward trend mostly reverses

The six new Thrift Savings Plan Lifecycle funds, which began July 1, finished their first month in the black. In fact, every TSP fund, including the original L funds and all the stock indexes, posted positive returns in July, though none were particularly exceptional.

The international stock index I fund was the only one to post lower returns in July than in June, dropping from 3.44% to 2.33%. Meanwhile, the reliable Treasury securities-backed G fund posted 0.06% returns for the third month in a row.

The common stock index investment C fund showed the most growth among the index funds, rising from 1.99% to 5.64%. The small capitalization stock index S fund posted the highest return for the fourth month in a row at 5.71%, though not much of an increase from June’s 4.00%.

The fixed income investment F fund climbed from 0.63% to 1.49%.

The Lifecycle funds ranged from 1.11% for the L Income, which absorbed the L 2020 fund last month, to 4.13% for the L 2055, 2060, and 2065 funds.

With the exception of the L Income fund, all of the year-to-date returns for the preexisting L funds remained in the negatives due to a dismal first quarter that they have yet to fully recover from. The index funds’ year-to-date returns are mixed, with G, F and C in the black, while the S and I funds have yet to recover.

Thrift Savings Plan — July2020 Returns
Fund July Year-to-Date Last 12 Months
G fund 0.06% 0.65% 1.42%
F fund 1.49% 7.66% 10.03%
C fund 5.64% 2.31% 11.86%
S fund 5.71% -0.47% 4.88%
I fund 2.33% -9.01% -0.53%
L Income 1.11% 0.87% 3.46%
L 2025 2.19% n/a n/a
L 2030 2.82% -0.06% 5.62%
L 2035 2.86% n/a n/a
L 2040 3.35% -0.41% 6.17%
L 2045 3.32% n/a n/a
L 2050 3.80% -0.78% 6.54%
L 2055 4.13% n/a n/a
L 2060 4.13% n/a n/a
L 2065 4.13% n/a n/a

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THRIFT SAVINGS PLAN TICKER

May 07, 2021 Close Change YTD*
L Income 22.8920 0.0535 2.39%
L 2025 11.7696 0.0557 4.76%
L 2030 41.4554 0.2531 6.01%
L 2035 12.4413 0.0833 6.56%
L 2040 47.0488 0.3431 7.12%
L 2045 12.8823 0.1007 7.60%
L 2050 28.2076 0.2349 8.10%
L 2055 13.8383 0.1393 10.05%
L 2060 13.8382 0.1392 10.05%
L 2065 13.8381 0.1393 10.05%
G Fund 16.5792 0.0006 0.40%
F Fund 20.7154 -0.0008 -2.55%
C Fund 63.3169 0.4739 11.83%
S Fund 82.1564 1.0665 12.34%
I Fund 38.7555 0.4941 6.73%
Closing price updated at approx 6pm ET each business day. More at tsp.gov
* YTD data is updated on the last day of the month.