As an employee of the U.S. Government, you may be eligible to participate in
the Federal Government Thrift Savings Plan (TSP). This page is dedicated to
giving you the information you need to make the most of the TSP.
If you find this information helpful, please help us spread the word at United
States Government.
Our company offers a free initial
consultation if you have $500,000 in investable assets or are within 3 years of retirement. The benefit to you of having an initial
consultation with one of our financial advisors is that they can help you make
decisions about your entire investment portfolio as well as answer other
questions you may have. The meeting can be held at our office in Seattle or on the
phone. To request a meeting, please click here or call
1-800-423-4893.
According to
our records, your current plan options are listed below.Please
let us know if your plan has changed, or if there are additions or
deletions to this list by emailing
Current Investment Options:
G-Fund
The G Fund invests in short-term, U.S. Treasury securities
that are specially issued to the TSP.
F-Fund
The F Fund invests in the Barclays U.S. Debt Index Fund,
which tracks the Lehman Brothers U.S. Aggregate bond index. This fund uses
high-quality fixed-income securities.
C-Fund
The C Fund invests in the Barclays Equity Index Fund which
tracks the S&P 500.
I-Fund
The I Fund invests in the Barclays EAFE Index Fund, which
tracks Europe, Australia
and Far East large company stocks (a total
of 21 countries).
S-Fund
The S Fund tracks the Barclays Extended Market Index Fund,
which tracks the Wilshire 4500 index (large U.S. stocks minus the S&P 500
stocks).
L-Funds
The L Funds are blended portfolios comprised of
allocations of the other five funds in this plan, the allocations tailored to
different time horizons.
Our United States Government TSP Recommendation:
Aggressive
Moderate
Conservative
%Equity
100%
60%
40%
%Bond
0%
40%
60%
Fund Name:
Fund Category:
C-Fund
Large Cap Blend
25%
15%
10%
S-Fund
Equity Index
25%
15%
10%
I-Fund
Foreign Large Blend
50%
30%
20%
F-Fund
Intermediate-Term Bond
0%
28%
42%
G-Fund
Short-Term Bond
0%
12%
18%
Which Portfolio Is Right For You? Here are our asset allocation recommendations based on the level of risk
you decide to take.To determine your
tolerance for risk so that you can choose the portfolio that's right for you,
be sure to read the articles linked on our homepage.It's important that you understand the basis
for our recommendations because you'll be more likely to implement them and
stay the course.If you have questions,
check our FAQs.
Aggressive Portfolio
When you want to take out all the stops and "go for it," this is the
portfolio for you.Equally weighted at
home in the U.S.
and abroad, this combination is a favorite of young investors with plenty of
time before retirement and the ability to remain calm during market
downturns.It’s also suited for those on
a fast track who want or need all the speed and distance they can get from
their investments.Because 100 percent
of the portfolio is in equities, the only buffer against the slings and arrows
of the market is time. But if you’ve got the time, this is the way to go.
Moderate
Portfolio
This combination is a fine choice for many employees and especially for
long-term investors. Its 60 percent weighting in equities gives it plenty of
power for stock market growth, while the 40 percent in fixed-income provides
stability and safety during declines in the market.This portfolio is most suitable for investors
with five or more years until they will need their money.
Conservative
Portfolio
This combination stresses safety, with a mix of 40 percent equities and 60
percent fixed-income investments.It is
most suitable for investors who consider themselves conservative, who are close
to or past the age of retirement or who, for whatever reason, care more about
holding onto their money than making it grow.
Discover how professional money management can help you.
DISCLAIMER: This information is provided by Merriman,
Inc., a registered investment advisor, and is believed to be from reliable
sources, but no guarantee is made as to accuracy or completeness.The investment securities and strategies discussed
are not suitable for all investors. Recommendations are of a general nature,
not based on knowledge of any individual's specific needs or circumstances, and
there is no intent to provide individual investment advisory, supervisory or
management services.Merriman, Inc. is not an authorized representative of the United States Government or of its
retirement plans.
