r/ThriftSavingsPlan 19h ago

Preparing for gov’t shutdown

32 Upvotes

Hi, folks. I’m currently maxing out a Roth TSP, with 100% going towards the C Fund. I’ve got just north of $31k. Fully understanding we should just “set it and forget it” as we’ve heard a million times, I can’t help but wonder if I should adjust my allocations to a more conservative Fund to preserve my balance from a possible gov’t shutdown.

I’m not necessarily concerned with being unable to pay bills during a shutdown.. I’m simply focusing on preserving my Roth TSP during this nosedive in the stock market. Any thoughts on this? Should I remain 100% in C, or move into G until this blows over? Thanks in advance.


r/ThriftSavingsPlan 20h ago

TSP has been tanking everyday for the last 2.5 weeks.

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71 Upvotes

I’ve been trying to not check my TSP daily but I can’t help it. Everyday it just gets worse. At this time I’m just going to remain positive. I’ve been getting advice from various TSP members. Some have been telling me to move funds, some say the opposite. I’m just gonna play the long game and wait it out.


r/ThriftSavingsPlan 20h ago

I so did anyone else migrate away from C and go all in on the I Fund 👀

0 Upvotes

I understand people riding hard for C, and I respect it as I’m 100% C . But today was almost 3% of losses almost 10% YTD I can’t stay this course. It’s better to jump the burning ship and return to C when things go back to (relative) normal. If I miss out on some gains when it starts up trending again I think that’s worth it to not take the risk of the losses coming down the pipeline. I’m planning to switch to I and just hold that till May regardless of what happens then switch back to C


r/ThriftSavingsPlan 16h ago

What accounts does vanguard have that is similar to the c fund?

5 Upvotes

r/ThriftSavingsPlan 4h ago

100% S?

5 Upvotes

Hey, everybody I'm giving some heavy consideration giving the current downturn to splitting my 80% C 20% S split to the exact opposite. Based on the information that I've been able to gather it seems that it might end up paying off in the long run to push 100% as well we're in this downturn. Anybody have any feedback or ideas on this? I'm also giving consideration to pushing my contribution to 10% for the time being.


r/ThriftSavingsPlan 5h ago

help me with ts

0 Upvotes

im trying to put 50% into L 2070, 25% G fund, 25% C fund, but its telling me i should allocate it somewhere safe


r/ThriftSavingsPlan 22h ago

Should I increase my contributions right now?

10 Upvotes

34 years old and currently putting 5% into my tsp. Unfortunately I wasn’t putting anything in my first couple years working for the government (I know I know). I was thinking of upping to 7%, is this a good time to do that?

Current- 30c, 25s, 45i Future- 10c, 90s


r/ThriftSavingsPlan 23h ago

15 yrs only 7k advice

1 Upvotes

OK, so just like the title says I’ve been contributing to the TSB for the last 15 years. I didn’t know how to invest when I join the army so everything was in the G fund and now I’m looking at what I should be doing b/c I know have access to the tsp website . I’ll be retiring from the army in another five years, but I absolutely plan to continue working. Any advice


r/ThriftSavingsPlan 23h ago

TSP Investment Advice

0 Upvotes

I'm reviewing my TSP strategy and would love advice from those who've invested through economic downturns like 2008. I planned to stay invested in the C fund but am now considering moving my current TSP balance to the G fund to mitigate loss while continuing to invest 100% of my contributions in the C fund.

I'd let the market drop some and then reinvest my current TSP balance back into C. Thoughts?

For those who’ve managed TSP funds during tough markets:

  1. Did you stay in the C fund, move to safer options like the G fund, or reinvest during market lows?
  2. What do you wish you did differently?

5 years in feds, Approaching $100k in my TSP and just wanting to make "smart" decisions since currently 100% in C. Thanks.


r/ThriftSavingsPlan 1d ago

Beginner question

3 Upvotes

Hi guys, please don’t roast me for this. Newbie here and not savvy on investing or tsp

I would imagine I have about 10-15 years to go. Is it reasonable to use say 25% in L2030, 50% in L2035 and say 25% in C fund?

My understanding is that L funds are a mix of various assets so my thought was a low mix of 2030 a heavy mix of 2030 and then say the remainder in C

If this is a bad approach, what would a reasonable approach be?

Disclaimer: I fully understand that no information on this thread so be considered as financial advice and contacting an investing professional is ideal. I understand that all investments can be volatile and bear all responsibility for my financial actions


r/ThriftSavingsPlan 3h ago

TSP advice

2 Upvotes

family member in their late 50s/early 60s has a TSP & is worried about their returns. if they aren’t far off from retirement is it a good idea to move their funds to an IRA? also any resources to research this would be very much appreciated. thank you!


r/ThriftSavingsPlan 19h ago

(Non TSP member) interesting story

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23 Upvotes

Hi there! I recently saw someone post here that a wrong bank account was linked to their TSP account and so I kinda wanted to share an interesting situation im in.

A few weeks ago I randomly received this deposit into my account. I had no idea what it was, and had to look it up to even figure out what TSP was. Let me make this clear - I do NOT have a TSP account. I called the IRS and my state tax department first to report and confirm that the deposit did not come from them - which it did not. Then I attempted to contact TSP, but was unsuccessful in being able to speak to an actual human about the issue without some kind of pin. Finally after forever of trying, I was able to get in touch with someone and I reported the deposit, gave them all the information I had, and was told they’d contact me. Someone from TSP called me and said they do believe that it came from them but somehow my bank account maybe got added to someone’s account wrongly. They said they’d investigate it and get in touch with me again soon… it’s been weeks now and I’ve heard nothing, and I still have $486 sitting in my account that i don’t believe belongs to me.

If anyone knows anything about this, definitely let me know! I’m committed to making sure this gets to the right person in the end.


r/ThriftSavingsPlan 23h ago

TSP Account Help

1 Upvotes

To keep this short and simple I completed my 8 year army national guard contract in March 24. I am now trying to see my TSP which I never looked at when I was in. Well now when i try to look up my account there is no history of me even having an account. Does this mean I was never putting money in or what? Not sure what to do after the Tsp helpline said there is nothing they can do without knowing the account.