S Fund (2024)

FAQs

What is the difference between C fund and S fund? ›

The I Fund can be useful in a portfolio that also contains stock funds that track other indexes such as the C Fund (which tracks an index of large U.S. company stocks) and the S Fund (which tracks an index of small U.S. company stocks).

The S Fund's investment objective is to match the performance of the Dow Jones U.S. Completion Total Stock Market Index, a broad market index made up of stocks of small-to-medium U.S. companies not included in the S&P 500 Index.

There are five investment funds: G Fund (Government Security Investment Fund) F Fund (Fixed Income Investment Fund) C Fund (Common Stock Index Fund) S Fund (Small Capitalization Stock Index Investment Fund)

S share classes are similar to no- load funds in that there is usually no front or deferred load charged. However, investment minimums may be slightly higher. Typically, the maximum front load is 0%, the maximum deferred load is 0%, the maximum 12b-1 fee is 0%, and the investment minimum is $2,000 or more.

Thrift Savings Plan S Fund Monthly Returns is at 0.44%, compared to -2.18% last month and -3.53% last year. This is lower than the long term average of 0.78%.

The conservative funds are the G and F funds and the aggressive funds are the C, S, and I funds.

Choosing the Best TSP Funds

The G Fund: This fund is considered the investment choice with the lowest risk among the TSP fund options. While investment returns are historically very low, this fund invests in short-term US Treasury securities and there is very little risk of losing money in this fund.

While the C-Fund invests in companies that are included in the S&P 500, the S-fund includes smaller companies than those that would be found in the C-fund. The “S” in S-fund stands for “small company stocks” but includes companies with market capitalizations that are considered medium-sized and large.

What is the difference between C and S fund TSP? ›

The two U.S. stock funds in the TSP are the: C Fund, which invests in the stocks of large U.S. companies. It is an S&P 500 Index Fund. The S Fund, which invests in the stocks of medium and small sized U.S. companies.

But it's important to note that the S&P 500 index itself does not pay dividends—the companies in the index do. An investor has to buy shares of the companies themselves or of index funds in order to receive dividends.

Summary: The TSP S Fund (Small Cap Stock Index Investment Fund) invests in stocks of small to medium-sized U.S. companies.

Basic Info. Thrift Savings Plan C Fund Monthly Returns is at 1.56%, compared to 3.67% last month and -8.72% last year. This is higher than the long term average of 0.93%.

Although Class S can broadly be described as a form of love between girls, it is distinct from a romantic relationship or romance fiction in that it is used specifically to describe platonic relationships based on strong emotional bonds and very close friendship, rather than sex or sexual attraction.

There are several types of mutual funds available for investment, though most mutual funds fall into one of four main categories which include stock funds, money market funds, bond funds, and target-date funds.

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.

Dave divides his mutual fund investments equally between four types of funds: Growth and income, growth, aggressive growth, and international.

TSP Performance Up in March and Year-to-Date in 2023

The C Fund is up 7.49% so far in 2023. The Fund with the best return so far this year is the I Fund which is up 8.63%. Some investors will note that the I Fund is near the bottom in popularity among TSP investors. 3.6% of participant allocation goes into the I Fund.

What is the safest TSP fund? ›

What is the safest TSP fund? The G fund is generally the safest option as it invests in government securities. Although you won't lose money investing in this fund, your rate of return will be low. This may be a good option if you are close to retirement.

It varies with the stock market, but about 1% of Thrift Savings Plans have more than a million dollars in them. Most so-called TSP millionaires have been working for decades.

In a nutshell, Ramsey advises federal employees to invest at least 5% in a Roth TSP, then invest the rest in a Roth IRA. He also recommends investing in a handful of TSP funds -- funds C,S, and I -- with a higher percent in the C Fund (at least 60 to 80%).

In order to attain this, Fidelity suggests you focus on achieving certain benchmarks. At 30, you should have half of your annual salary saved. By 40, you should have twice your salary, and by 50, you should aim for about four times your salary in retirement savings.

Average TSP balances

The average TSP balance has grown steadily in the last decade, reaching the six-figure mark in 2013. As of 2021, the average TSP balance for FERS participants was $181,279, while the average TSP balance for CSRS participants was $194,424.

While they may not have as many funds to choose from, TSP participants do have one big advantage over most 401(k) investors: lower fees. The total expense ratio, which covers both investment and administrative fees, is 0.066% for individual TSP funds.

Answer: More! I frequently state that there is no such thing as too much money in the Thrift Savings Plan. If you want your TSP balance to be able to generate an inflation-indexed annual income of $10,000, most financial planners will suggest that you have a $250,000 balance at the time you retire.

Taking a loan from your TSP is a bad idea. The money you're putting into your TSP is for retirement, not for buying a new car. If you leave federal employment with an outstanding TSP loan you have to pay back the full loan balance within 90 days.

Employees should invest at least 5% in the TSP; that is the percentage needed to obtain the maximum available matching funds. Beyond that, Employees need to balance long-term investment needs against other needs.

It depends, but most people should contribute to their TSP at least up to the matching funds limit (3% of your salary). Beyond this, the TSP is better if your taxes are high today and you expect them to be much lower in retirement. It is better to use your deduction against the higher tax rate.

How risky is the C fund in TSP? ›

The C Fund is a heavily diversified investment but it does come with the risks. The C Fund is moderately volatile and is subject to market risk as the price of stocks in the S&P 500 Index rise and fall. Further, you are exposed to inflation risk if your C Fund investment does not grow enough to offset inflation.

Why should I invest in the F Fund? F Fund investors are rewarded with the opportunity to earn higher rates of return over the long term than they would from investments in short-term securities such as the G Fund.

You should consider investing in the L Income Fund if you are currently withdrawing money from your TSP account in monthly payments or you plan to begin withdrawing money before 2021. Am I ok with market and inflation risk? The L Income Fund can have periods of gain and loss, just as the individual TSP funds do.

Your catch-up contributions will be in addition to the 2023 TSP regular contribution limit, which means employees can contribute up to $30,000 in 2023. To maximize the catch-up contribution amount of $7,500 for 2023, employees will need to contribute an additional $288 per pay period ($7,500/26 = $288.46).

S corp shareholders can be company employees, earn salaries, and receive corporate dividends that are tax free if the distribution does not exceed their stock basis. If dividends exceed a shareholder's stock basis, the excess is taxed as capital gains—but these are taxed at a lower rate than ordinary income.

S&P 500 Dividend Yield is at 1.66%, compared to 1.74% last month and 1.37% last year.

One of the key benefits of S-Corporations is that they allow shareholders to receive distributions of profits, known as S-Corp dividends, without paying corporate-level taxes. This can provide a tax advantage for shareholders compared to traditional C-Corporations.

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. The performance of the C Fund is evaluated on the basis of how closely its returns match those of the S&P 500 Index.

Class C shares are level-load shares that don't impose a sales charge unless you sell too soon after your purchase (usually a period of a year). Instead, mutual funds charge an ongoing annual fee. C shares are probably best for short term investors of beyond one year and no more than three years.

What percentage should I put in the C fund? ›

Here's the ratio we recommend for your portfolio: 80% in the C Fund, which is tied to the performance of the S&P 500. 10% in the S Fund, which includes stocks from small- to mid-sized companies that offer high risk and high return.

Vanguard S&P 500 ETF seeks to track the investment performance of the S&P 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of large U.S. companies. Vanguard S&P 500 ETF is an exchange-traded share class of Vanguard 500 Index Fund.

Basic Info. Thrift Savings Plan C Fund Monthly Returns is at 0.43%, compared to 1.56% last month and -1.65% last year.