Thrift Savings Plan (TSP) Investment Choices

As a CSRS or FERS federal employee, you can invest any portion of your account in any of the Thrift Savings Plan investment funds:

  • G Fund (Government Securities Investment) 
  • F Fund (Fixed Income Index Investment)
  • C Fund (Common Stock Index Investment)
  • S Fund (Small Capitalization Stock Index Investment)
  • I Fund (International Stock Index Investment
  • L Funds (Lifecycle)

You can allocate any whole percentage of your future contributions (including loan payments and transfers from traditional IRAs or eligible employer plans) to any of the TSP investment funds by making a contribution allocation.  You can redistribute your existing account balance among the funds by making an interfund transfer.

Thrift Savings Plan Lifecycle Funds (L Funds)
The Thrift Savings Plan (TSP) L Funds, or "Lifecycle" funds, use professionally determined investment mixes that are tailored to meet investment objectives based on various time horizons. The objective is to strike an optimal balance between the expected risk and return associated with each fund more

Your Shares in the TSP and Dollar-Cost Averaging
In a bear market, many investors become increasingly fearful of how much, when, where and even if they should continue contributing in the TSP. Learn how dollar-cost averaging can potentially work in your benefit over the long haul more

Important Lessons for TSP Participants Resulting from the 2008 Stock Market Downturn
Edward A. Zurndorfer, CFP
Certified Financial Planner Ed Zurndorfer offers Thrift Savings Plan participants timely recommendations on their investments -- plus tips on how to save more and spend less in 2009. more

Q&A: How Safe Is Your Retirement Money in the TSP?
September 23, 2008
My Federal Retirement has been receiving many questions from readers regarding the safety of their retirement money in light of the recent troubles in the U.S. financial markets. Here are a few resources to answer your questions more

Final Ruling: No More TSP Frequent Trading
April 24, 2008
Day traders and market timers are a thing of the past -- at least when it comes to the Thrift Savings Plan. The Federal Retirement Thrift Investment Board officially published its amended interfund transfer (IFT) regulations today to limit the number of interfund transfer requests to two per calendar month. more

TSP Trading Restrictions: Federal Register Notice April 24, 2008
[Federal Register: April 24, 2008 (Volume 73, Number 80)] [Rules and Regulations] [Page 22049-22057] From the Federal Register Online via GPO Access [wais.access.gpo.gov more

New Thrift Savings Plan Interfund Transfer Restrictions: Frequently Asked Questions (With Answers)
Why is the TSP placing monthly restrictions? When do they start, and how will they affect you? Find out in this Q&A more