Welcome to TSP Strategies

Welcome to TSPstrategies.com! This Web site is dedicated to exploring the benefits of saving and investing in the Thrift Savings Plan.

The companion book, TSP Investing Strategies: Building Wealth While Working for Uncle Sam, lays out a simple set of strategies for long-term, buy-and-hold investors to consider while investing in the TSP. This Web site and accompanying blog will build on those concepts, while focusing on new investing options and developments related to the TSP.

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Tag Archives: S Fund

Sep


04

BlackRock’s Three-peat*

It’s official: BlackRock won the contract to continue managing the S Fund. According to the FRTIB’s recent press statement: The Federal Retirement Thrift Investment Board (FRTIB) announced today that it has selected Blackrock Institutional Trust Company, N.A. as the investment manager for its Small Cap Stock Index Investment Fund (S Fund). The S Fund invests in a stock index fund that tracks the Dow Jones U.S. Completion Total Stock Market Index. The earnings consist of dividend income and gains or … more

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Jan


29

Will BlackRock Continue to Manage the S Fund?

TSP administrators floated a request for proposals to manage the Small Cap Stock Index Investment Fund — the S Fund — earlier this month. This is the third major RFP to manage individual TSP funds in the past 18 months. BlackRock was re-awarded the contract to run the I Fund early last fall, three months after the RFP was first released in June last year.  The contract award was made in half the time originally anticipated, with the final award expected … more

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Sep


15

The TSP and Facebook: An Update

Perhaps this article should be titled a “non-update,” since nothing has really happened with Facebook in the S Fund.  Really the story is how Standard and Poor’s – the company that determines the composition of the S&P 500 (on which the C Fund is based) – has avoided adding Facebook to the S&P 500. This past week, Standard and Poor’s added Vertex Pharmaceuticals and Ametek to the S&P 500, which are biotechnology and electrical components companies respectively.  Not quite the … more

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Aug


06

Will BlackRock Maintain Its Monopoly on Managing TSP Funds?

BlackRock Institutional Trust Company has managed TSP’s F, C, S, and I Funds ever since it acquired Barclays Global Investors in 2009. Now that the contracts to manage those funds are coming up for recompete, BlackRock has shown that it is looking to continue to manage the funds.  In December, it won a renewed contract to manage the F Fund for up to five years. Now the TSP is accepting Requests for Proposals (RFPs) to manage the I Fund, with … more

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Apr


08

Sell Low, Buy Higher?

The monthly interfund transfer stats for January were just posted on Friday, and based on the numbers, TSP participants appear to have regained their confidence in the stock markets and the TSP stock funds big-time. In January this year, TSP participants transferred a record amount out of the G and F Funds, while they transferred a record amount into the C and S Funds since the beginning of 2007 (when the current transfer data begins).  The I fund experienced a … more

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Mar


16

The TSP and Facebook

Interested in investing some of your TSP savings in Facebook?  Or would you rather avoid it like the plague? In either case, take a look at the S Fund.  Facebook is the sixth-largest holding in the S Fund as of February 28th.  The S Fund is based on the U.S. Completion Total Stock Market Index, and as the name suggests, the publicly traded companies in the U.S. (like Facebook) that are not included in the C Fund – which is … more

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Jan


04

Debt, Rating Agencies, and the TSP

The markets powered higher on the first trading day of the year after the limited agreement on taxes and the two-month postponement of sequestration. And the headlines for the TSP suggested the stock funds especially had a banner year in 2012.  Coming on a day when the TSP stock funds shot up 2.5%, it is tempting to think that as savers and investors, we’re out of the woods.  It just might be a good year afterall…. But recent past experience … more

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Jan


03

With Pay Reduced by Two Percent, Now What?

Given that the deal reached between Congress and the White House did not include an extension of the 2% reduction of the Social Security payroll tax – and with government wages frozen at least for now – we will see a 2% reduction in pay beginning this month. The Social Security tax rate was reduced by 2% to 4.2% for employees under the Middle Class Tax Relief and Job Creation Act of 2012 (employer contributions of an additional 6.2% rate … more

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Nov


12

Will Increased Dividend Tax Rates Detrimentally Impact TSP Stock Funds?

Now that the 2012 elections are over, we have some additional certainty in tax policies.  Taxes will likely go up.  These taxes will almost certainly include an increase in both the dividend tax rate and the capital gains tax rate, from the current 15% to 20% for capital gains and up to 39.6% for the dividend tax rate.  Moreover, with the Patient Protection and Affordable Care Act, an additional 3.8% surcharge will be added to capital gains and dividend tax … more

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Sep


17

The Pulp Fiction Fed And Your TSP

One of my favorite films is “Pulp Fiction.”  The Quentin Tarantino movie resurrected John Travolta’s career and further elevated the career of the young Uma Thurman. In one major plot line, hitman Vincent Vega – John Travolta – is charged with entertaining the wife of his mob boss while he is out of town. The wife, Mia Wallace (Uma Thurman), is easily bored and flirtatious, an obviously dangerous combination in a mob family.  Having heard the rumors of what happened … more

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Sep


04

The Power of $300 Billion in Assets

The TSP as of the end of May held over $305 billion in assets, according to official Federal Retirement Thrift Investment Board (FRTIB) figures.  About 44% of that amount, or approximately $132 billion, is invested in the stock funds.  This includes investments held directly by TSP participants in each of the stock funds (the C Fund, the S Fund, and the I Fund), and those held indirectly in the L Funds (the Income Fund, the 2020 Fund, etc).  The massive … more

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Aug


28

The Most Popular TSP Funds

Ever wonder where your fellow TSP investors are placing their money?   While it is impossible to know in which funds individual TSP investors place their money, it is possible to find the aggregate amounts going into each fund for all investors as a whole.  These statistics are also broken down by category, for example by FERS, CSRS, and members of the uniformed services.  All of this is provided courtesy of the Federal Retirement Thrift Investment Board (FRTIB). It may not … more

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