Timothy Sumer

The Thrift Savings Plan’s G Fund had the highest percent gain last year. Does this mean all federal employees should move everything to the G Fund? Absolutely not. But, there are reasons why you would choose to invest in the G Fund this year. In this episode we… • Compare the G fund returns over the last 15 years to other core TSP funds • Make suggestions of when to invest or not in the G Fund Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. 0:00 Intro 1:14 Compare the G fund returns over the last 15 years to other core TSP funds 4:34 suggestions of when to invest or not in the G Fund Federal employees and their spouses are invited to complimentary educational workshops covering their federal benefits. For details, visit: Federal Benefit Resources: Would you like to know more? ... ( read more ) LEARN MORE ABOU

All the details you need to compare the different TSP investment options (Thrift Savings Plan). Having a good TSP strategy and picking the best TSP funds could make the difference of $100k's by the time you retire. That is why it's important to understand what you're investing in and why. Compare the TSP funds: C FUND: Stocks, Mid to Large size U.S. companies, mirrors S&P 500. Most aggressive and has historical highest rate of return. S FUND: Stocks, Small to Mid size U.S. Companies, mirrors Dow Jones. Aggressive and has returns similar to C fund. I FUND: International stocks from 21 different countries, mirrors the EAFE index. Semi aggressive, under performs C & S fund. F FUND: Bonds, mirrors U.S. Aggregate Bond Index. Conservative, low rate of return. G FUND: Bonds, made up of short-term U.S. Treasury securities. Conservative, lowest historical rate of return. LIFECYCLE FUNDS: Made up of the 5 individual funds (C,S,I,F,G), starts aggressive and slowl

Andrew submitted a question on www.firepsychat.com. “I am in the military. I have been investing in my TSP for the past 7 years but I never paid attention to how my money is doing. About 3-4 years ago, I re-allocated my money from the target retirement fund to spread across individual funds. I allocated 20% each to G, C, I, S, and F funds. Now I feel like my money has barely grown in the past few years. What am I doing wrong?" Submit your question on or comment on Facebook, Instagram, or YouTube posts! 👨‍🏫 1:1 Financial Coaching 👩‍🏫 Schedule a free 20-minute 1:1 Coaching Session Schedule a free 30-minute 1:2 Couple's Coaching Session ➡️ Introductory Forum: 📧 Email: hello@firepsychat.com 📖 Get Your Free Financial Spreadsheets and Resources 📖 ➡️ 📷 2022 New Year's Resolutions Video Series📷 Part 1: How to Build Your First Emergency Fund - Part 2: How to pay off debt quickly - Part 3: How to Build a Retirement Portfolio - Part 4: How to Create a Pay

Many investors in the G Fund lose money in their Thrift Savings Plan because they do not understand the true costs of this fund. The G Fund can be an important piece in your overall investment strategy, but used incorrectly can cost you years of retirement income. In this episode, we go over the benefits of the G Fund, review the G fund facts directly from the TSP website, and provide examples of why we think you should be cautious of overusing the fund. Welcome to Financial Planning 4 Feds. We are dedicated to educating federal employees on how to maximize value from their government benefits by developing and executing a financial plan. In this episode we will go over: - The 4 benefits of the G Fund - Learn the facts about the fund - Discuss performance and real rates of return 0:00 Intro 1:38 The benefits of the G Fund 6:00 G Fund overview from TSP.gov 11:31 Performance and real rates of return Resources for this episode: G Fund facts from TSP.gov: G F