Monthly return rate - G [Archive]

James48843

11-02-2010, 08:21 AM

Has anyone seen adjustment to TSP account from NOV 1 contribution allocation? Says by 0600 current day accounts will be updated from previous day. We got paid 1 Nov and allocation for me "S" fund and contribution are UA still.:mad:

Trying to figure out if I purchased S fund at yesterdays close with contribution allocation from paycheck or if it will be purchased with todays closing price?

To check your deposits, log in to the TSP.Gov website, then click on the tab titled "Recent Transactions".

Did you get paid on Nov 1st?? Or is your normal payday biweekly on Tuesdays? While the money may have hit your bank early, my deposits into my TSP always hit on the normal official payday, which is every other tuesday, except when holidays come into play.

Check your TSP account "Recent transactions" tab.

If the deposit has been made into your account, it will show up here.

If it hasn't been done yet, it won't be here yet .

Mine will show up at the COB today, Nov 2nd, not Nov 1- I get paid every other tuesday.
10142

James48843

11-02-2010, 08:26 AM

And thanks for the G fund rate thread- at these loan rates, (2.125%), it's hard to say it isn't worth pulling some out just to pay off other, higher credit card bills.

Devilduck

11-02-2010, 08:52 AM

James48843

11-02-2010, 08:56 AM

What day of the month was the last monthly contribution deposited?

tsptalk

11-02-2010, 09:01 AM

TSP contribution allocations occur monthly on First of each month for active duty military. I designated this contribution to flow into S fund. Under recent transaction it just shows my latest IFT; no contribution as of yet. So i don't know if I lost money yesterday with .20% in red at closing.

They should post delays in processing or remove 0600 time of completed transactions from previous day statement.
The loss would have been miniscule (20 cents for every $100 deposited) for an individual but a penny saved... :) If yesterday (11/1) ended up where it started in the a.m., it could have been a 1% plus move. Multiply that by all the military personel and that's starts to be some big money.

Not good. Is it unusual for them to be late?

Devilduck

11-02-2010, 09:01 AM

Payday for OCT was OCT 1 however that was a Friday and it didn't reflect until 4 Oct which is Monday.

James48843

11-02-2010, 09:53 AM

I expect it will show today. Don't know why they are a day behind.

What service it that?

Frixxxx

11-02-2010, 12:08 PM

I have suggested that since they know our contribution allocation, the amount we have put in, that it be displayed in that fashion:

Contribution------Allocation ------C ----Share----- S -----Share
Total: -----------Breakdown------50%--Price ------50%---Price
$400.00 ---------------------20 shares-10.00---10 shares-20.00

Not too difficult if you ask me!:cool:

Devilduck

11-02-2010, 12:28 PM

James,

Service would be USN. I agree with you that by tomorrow will post, disappointed I couldn't determine by 1200 if I was selling my S fund from yesterday.

Thanks much.

Dave

Frixxxx

12-08-2010, 03:58 PM

Interest Rate: The current rate for new loans is 2.375%, which is the current G Fund interest rate.

Looks like we have an increase this month!:cool:

Frixxxx

01-05-2011, 09:32 AM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

Up -> Half a point!:cool:

Frixxxx

02-04-2011, 11:50 AM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

No change:sick:

JTH

02-04-2011, 12:06 PM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

No change:sick:

Thanks Frixxxx this is important information and I appreciate the updates. Great time for a loan!!! Not so great time to hang in the G.

Frixxxx

04-14-2011, 09:09 AM

The current interest rate is: 3.000%

Sorry, I dropped the ball in March and this month reporting the number!:embarrest:

Frixxxx

05-10-2011, 05:58 AM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.:worried:

I think they're not paying their fair portion!:notrust:

RealMoneyIssues

05-10-2011, 08:50 AM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.:worried:

I think they're not paying their fair portion!:notrust:

We're probably lucky the G Fund interest rate is that high...

nnuut

05-10-2011, 08:56 AM

I remember when the "G" was over 8%!:cool:

Frixxxx

05-10-2011, 09:04 AM

I remember when the "G" was over 8%!:cool:

:laugh:Did you ride a horse or dinosaur?:laugh:

RealMoneyIssues

05-10-2011, 09:04 AM

:laugh:Did you ride a horse or dinosaur?:laugh:

Dinosaur... :D

nnuut

05-10-2011, 09:10 AM

:laugh:Did you ride a horse or dinosaur?:laugh:

A Jimmy Carter CJ7!:laugh:

RealMoneyIssues

05-10-2011, 09:25 AM

A Jimmy Carter CJ7!:laugh:

I was kinda hoping you would say a Raptor or a T-Rex... :(

nasa1974

05-10-2011, 09:55 AM

I remember when the "G" was over 8%!:cool:

:laugh:Did you ride a horse or dinosaur?:laugh:

nnuut may be old but I don't think he is that old. :nuts:

nnuut

05-10-2011, 10:00 AM

That CJ7 was old, 1978 but I am older than the jeep by a BUNCH!:laugh:

crws

05-11-2011, 06:59 AM

Thanks Frixxxx this is important information and I appreciate the updates. Great time for a loan!!! Not so great time to hang in the G.

Been there, did that!
3.0% WooHoo

Frixxxx

06-02-2011, 12:19 PM

Interest Rate: The current rate for new loans is 2.500%, which is the current G Fund interest rate.

Lower this month....GO FIGURE!:notrust:

Frixxxx

07-05-2011, 12:17 PM

Interest Rate: The current rate for new loans is 2.625%, which is the current G Fund interest rate.

A little more this month!

Boghie

07-05-2011, 01:21 PM

Interest Rate: The current rate for new loans is 2.625%, which is the current G Fund interest rate.

A little more this month!

Frixxxx,

That means that the Federal Government is now paying more on its debt. What a joy. A perfect storm:o

Frixxxx

09-06-2011, 02:18 PM

The current interest rate is: 1.875%

ouch!

Frixxxx

10-07-2011, 09:49 AM

The current interest rate is: 1.625%

And the hits keep coming! Need a fast loan? 1.625%

Frixxxx

11-01-2011, 01:44 PM

Looks like no change!

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

TSATSO

11-07-2011, 07:26 AM

Frixxxx

Looks like you made the call a little too early this month - you usually wait until the end of the first week? Anyway, rate is now up a teensy bit:

"Loan interest rate for new loans is 1.750%"

It all helps...

Frixxxx

11-07-2011, 08:45 AM

Frixxxx

12-12-2011, 09:15 AM

No Change this month:

Interest Rate: The current rate for new loans is 1.750%, which is the current G Fund interest rate

Boghie

12-17-2011, 12:20 PM

Dude,

That is two points less than inflation. Free Money :nuts:

By the way, I think we might have had a visit from one of your work comrades down here in Marine Land. Good Guy...

Frixxxx

01-24-2012, 06:02 PM

Sorry to all those that missed me posting this at the beginning of the month:

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

.25% less

Frixxxx

02-01-2012, 06:23 PM

On time this month:

Loan interest rate for new loans is 1.500%.

No Change from last month!

Frixxxx

03-14-2012, 08:41 AM

The current interest rate is: 1.625%

Sorry for the late post.

Frixxxx

04-04-2012, 07:14 AM

The current interest rate is: 1.875%:suspicious:

RealMoneyIssues

04-04-2012, 07:17 AM

The current interest rate is: 1.875%:suspicious:

It's going up, that is good? but bad for inflation right?

Frixxxx

04-04-2012, 07:29 AM

Frixxxx,

That means that the Federal Government is now paying more on its debt. What a joy. A perfect storm:o

It's going up, that is good? but bad for inflation right?
See Boghie's comment

Frixxxx

05-03-2012, 08:49 AM

May update for TSP Loan/ G Fund payout:

The current interest rate is: 1.625%

Great for those who dare to dip into the future, bad for those riding the storm on the Lily Pad.

Frixxxx

08-02-2012, 10:03 AM

Apologies all,
:embarrest:
Here was July's Loan rate:

Interest Rate: The current rate for new loans is 1.250%, which is the current G Fund interest rate.

Just in time for Augusts numbers for tomorrow!

Frixxxx

09-12-2012, 09:30 AM

September's rate - No change

Interest Rate: The current rate for new loans is 1.250%, which is the current G Fund interest rate.

Frixxxx

10-02-2012, 09:53 AM

October up - G Fund paying more

Interest Rate: The current rate for new loans is 1.375%, which is the current G Fund interest rate.

Intrepid_Timer

10-02-2012, 10:19 AM

October up - G Fund paying more

Interest Rate: The current rate for new loans is 1.375%, which is the current G Fund interest rate.

Thanks for the update! Your avatar is skeering me though............:worried:

Frixxxx

11-10-2012, 06:41 AM

No change:

Interest Rate: The current rate for new loans is 1.375%, which is the current G Fund interest rate.

Frixxxx

12-05-2012, 07:38 AM

No Change:

Interest Rate: The current rate for new loans is 1.375%, which is the current G Fund interest rate.

Frixxxx

01-07-2013, 02:45 PM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

Up .125%

Hey G funders...you makin some money now!:sick:

nnuut

01-07-2013, 06:01 PM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

Up .125%

Hey G funders...you makin some money now!:sick:
BOGOGGA BOOGA I'm stayin in.:laugh:

sniper

01-07-2013, 06:04 PM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

Up .125%

Hey G funders...you makin some money now!:sick:

stay in the g fund and collect wallflowers, someday it will be 1.35, snort

nnuut

01-07-2013, 06:11 PM

stay in the g fund and collect wallflowers, someday it will be 1.35, snort
I remember when it was over 8% a year.

sniper

01-07-2013, 06:28 PM

I remember when it was over 8% a year.

that was a little before my time, crazy to think that buy and holding G fund coulda been an effective strategy some time ago

Boghie

01-07-2013, 07:53 PM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

Up .125%

Hey G funders...you makin some money now!:sick:

That seems to actually be a largish change. Has the Fed lost control of the gubmint Bond market?

nnuut

01-07-2013, 08:41 PM

21810

Boghie

01-07-2013, 09:07 PM

Hey Nnuut,

This is going to p*** you off. The 'G Fund' returns are identical to Social Security returns. Did you see a benefit increase this past year? How bout the year before? How bout the year before that?

Just asking:rolleyes:

JTH

01-07-2013, 11:26 PM

21810

Wow, that's an ugly chart with 6 concurrently down years, with the 1.5% loan rate I'd be tempted to take out a loan and apply it to my Roth IRA. :blink:

Frixxxx

01-08-2013, 05:18 AM

Wow, that's an ugly chart with 6 concurrently down years, with the 1.5% loan rate I'd be tempted to take out a loan and apply it to my Roth IRA. :blink:
Definitely an idea...never really thought of that!

James48843

01-08-2013, 07:03 AM

21810

One thing that was done was a change in policy by the current TSP guru's Greg Long and Tracey Ray that MAKES ABSOLUTLEY NO SENSE WHAT SO EVER.

That is...the thrift board, UPON THE RECOMMENDATION OF LONG AND RAY, changed the type of "G" security duration they invested in.

Prior to the change (Which kicked in back around 2008, but I am not sure exactly when. You would have to go through the monthly meeting minutes, becasue it WAs discussed then.) Anyway, prior to the change, the "G" fund mostly invested in LONGER TERM TREASURIES with terms of 20 years or 30 years. The interest rate on long term treasury notes is significantly HIGHER than the interest on short term notes.

It's not actually a 30-year treasury note like other people can buy. It's a special treasury note made just for the TSP, that is only sold to the TSP by the treasury.

Even though roughly 186 BILLION dollars is parked now in "G" fund, and even though there has NEVER been less than 42% of the total value of all funds resting in the "G" fund, there was a discussion a few years back (2008?) that went like this-

"Q:Why are we invested in long term securities?
Answer: Because the rates are higher.

Q: What if everyone wanted "OUT" of "G" and went into stocks?"
Answer: Then we would have to sell some of the long term treasuries and cash them out to get the cash to buy stocks with.

Q: Doesn't that mean we'd take a slight loss if we had to sell before maturity?

Answer: Yes, but the likelyhood of having to do that is extremely remote. "G" fund has always, for 30 years, been the single largest fund of holdings for people.

Q: What would we have to do to ensure quicker liquidity?
Answer: We'd have to invest only in very short term maturities- like 90 days or less on new investments, where the rates are much, much lower.

Q: ok. From now on, let's only invest in very short term securities, in the odd event that we ever need to liquidate in a hurry. "
Answer: You wanyt us to change policy and stop investing in 30 year bonds, and 20 year bonds, and change to much shorter time maturities?

"Yes- just do it. "

So....that's why the "G" fund rates have plummented. Along with the long-term rates going down, the "TSP" baord directed that they now invest ONLY in short term government securities at a lower rate of return, rather than long-term securities.

Why? I don't exactly know, but I presume somebody is making a kickback off of it or something.

It makes no economic sense, but that is the formal policy in place right now for the "G" Fund.

CrabClaw

01-08-2013, 07:10 AM

One thing that was done was a change in policy by the current TSP guru's Greg Long and Tracey Ray that MAKES ABSOLUTLEY NO SENSE WHAT SO EVER.

That is...the thrift board, UPON THE RECOMMENDATION OF LONG AND RAY, changed the type of "G" security duration they invested in.

Prior to the change (Which kicked in back around 2008, but I am not sure exactly when. You would have to go through the monthly meeting minutes, becasue it WAs discussed then.) Anyway, prior to the change, the "G" fund mostly invested in LONGER TERM TREASURIES with terms of 20 years or 30 years. The interest rate on long term treasury notes is significantly HIGHER than the interest on short term notes.

It's not actually a 30-year treasury note like other people can buy. It's a special treasury note made just for the TSP, that is only sold to the TSP by the treasury.

Even though roughly 186 BILLION dollars is parked now in "G" fund, and even though there has NEVER been less than 42% of the total value of all funds resting in the "G" fund, there was a discussion a few years back (2008?) that went like this-

"Q:Why are we invested in long term securities?
Answer: Because the rates are higher.

Q: What if everyone wanted "OUT" of "G" and went into stocks?"
Answer: Then we would have to sell some of the long term treasuries and cash them out to get the cash to buy stocks with.

Q: Doesn't that mean we'd take a slight loss if we had to sell before maturity?

Answer: Yes, but the likelyhood of having to do that is extremely remote. "G" fund has always, for 30 years, been the single largest fund of holdings for people.

Q: What would we have to do to ensure quicker liquidity?
Answer: We'd have to invest only in very short term maturities- like 90 days or less on new investments, where the rates are much, much lower.

Q: ok. From now on, let's only invest in very short term securities, in the odd event that we ever need to liquidate in a hurry. "
Answer: You wanyt us to change policy and stop investing in 30 year bonds, and 20 year bonds, and change to much shorter time maturities?

"Yes- just do it. "

So....that's why the "G" fund rates have plummented. Along with the long-term rates going down, the "TSP" baord directed that they now invest ONLY in short term government securities at a lower rate of return, rather than long-term securities.

Why? I don't exactly know, but I presume somebody is making a kickback off of it or something.

It makes no economic sense, but that is the formal policy in place right now for the "G" Fund.

par for the course :mad:

Frixxxx

01-08-2013, 07:27 AM

We need to start a campaign to cease and desist participation in the "G" Fund.....It needs to be removed from the Congressional "Slush Fund"
21813

Frixxxx

01-08-2013, 07:36 AM

From FRTIB Meeting room October 2012:
LINK (http://www.frtib.gov/pdf/minutes/MM-2012Oct-Att2.pdf)
James' comment on what he was saying and how it is affecting all investors:
21814

CrabClaw

01-08-2013, 08:12 AM

Between the IFT limits, lack of a diverse spread of things to invest in, and now this; it seems like the folks who are in charge of this stuff want to see Feds on the Alpo retirement plan.

Frixxxx

02-05-2013, 07:11 AM

The current interest rate is: 1.625%

Another .125% increase

hmmmmmmm.......

Boghie

02-17-2013, 11:42 AM

So....that's why the "G" fund rates have plummented. Along with the long-term rates going down, the "TSP" baord directed that they now invest ONLY in short term government securities at a lower rate of return, rather than long-term securities.

Why? I don't exactly know, but I presume somebody is making a kickback off of it or something.

It makes no economic sense, but that is the formal policy in place right now for the "G" Fund.

James, Occam's Razor, Occam's Razonr

The 'G Fund' is not the 'F Fund'. It is more like a Money Market Fund with higher returns. And, do you really want to sell long duration bonds in a crashing bond market? To me, it is not a bad move. Most financial advisers are now recommending the purchase of short and mid-range bonds rather than the long term ones.

Frixxxxx,

The current interest rate is: 1.625%

Another .125% increase

hmmmmmmm.......

That is not the best thing I have read recently. Two bumps in two months. I reiterate for the reading public:

That seems to actually be a largish change. Has the Fed lost control of the gubmint Bond market?

Frixxxx

03-04-2013, 05:00 AM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

- .125%

Just saying!

Boghie

03-04-2013, 10:23 AM

Interest Rate: The current rate for new loans is 1.500%, which is the current G Fund interest rate.

- .125%

Just saying!

Wierd...

Maybe the FED is buying them...

Frixxxx

04-05-2013, 12:14 PM

Better late than never to tell you The Song Remains The Same!

The current interest rate is: 1.500%

JTH

04-06-2013, 09:46 AM

Better late than never to tell you The Song Remains The Same!

The current interest rate is: 1.500%

Thanks, I always forget to look it up, isn't this less than half of what it was in 2007?

Frixxxx

05-02-2013, 03:29 AM

Interest Rate: The current rate for new loans is 1.375%, which is the current G Fund interest rate.

- .125 %

skidog

05-29-2013, 11:46 AM

With big jump in rates relatively speaking this month, I'm thinking we should get a nice pop in G fund rate in June. Can hurt to hope.

tsptalk

05-29-2013, 12:23 PM

"Pop" is kind of strong. Maybe a nudge. :)

Rates are just pushing above the high from earlier this year, but new highs may be a prelude to higher rates later this year.

skidog

06-03-2013, 03:28 PM

A .375% pop whooo hooo! :)

Frixxxx

06-04-2013, 07:19 AM

A .375% pop whooo hooo! :)

Thanks Skidog official from site:

Interest Rate: The current rate for new loans is 1.750%, which is the current G Fund interest rate.

skidog

07-01-2013, 11:44 AM

The G fund is on fire now or is that too strong language to use.... rate up another .375 to 2.125%.:)

Frixxxx

07-01-2013, 11:51 AM

Aw Hell, I'm moving to the G Fund now.....

Thanks for the post!

RealMoneyIssues

07-01-2013, 11:52 AM

Aw Hell, I'm moving to the G Fund now.....

Thanks for the post!

Glad I am in G now. Maybe I will keep my money and make 2% this year...

Boghie

07-01-2013, 06:52 PM

This is both good news and bad news...

Good for us, kindof...

Bad for an entity that borrows to cover 40% of its spending. We are now in trouble. At least if the interest rates keep getting forced up...

RealMoneyIssues

07-01-2013, 09:17 PM

rktect1

07-01-2013, 10:08 PM

This month I had a monthly rate of return comparable to reeked ass. And that was my tsp return.

My other accounts went to sucked ass.

am I allowed to use the term ass when used technically?

Boghie

07-04-2013, 09:41 AM

Naw, don't worry about it. They will just find more revenue...

RMI, I think the time of pulling leaves off the money tree are behind us. We are in a time of pain.

The interest rate for the 'G Fund' is now: 2.125%.

That dramatically raises the borrowing cost for a broke entity that borrows 30% of its day to day expenditures. An entity that has not paid a dime toward principle for fifty years (yes, that includes the Great Clinton Era where we 'borrowed' from our pension to make it look like we had money). Yowser. Winter is coming...

RealMoneyIssues

07-04-2013, 08:41 PM

RMI, I think the time of pulling leaves off the money tree are behind us. We are in a time of pain.

The interest rate for the 'G Fund' is now: 2.125%.

That dramatically raises the borrowing cost for a broke entity that borrows 30% of its day to day expenditures. An entity that has not paid a dime toward principle for fifty years (yes, that includes the Great Clinton Era where we 'borrowed' from our pension to make it look like we had money). Yowser. Winter is coming...

Then I guess its time to raise taxes again. It worked this last time, there are plenty more of the 1% that need to pay their fair share.

Boghie

07-05-2013, 10:25 AM

Then I guess its time to raise taxes again. It worked this last time, there are plenty more of the 1% that need to pay their fair share.

Nope RMI...

They gotta raise taxes on you to make a difference. They have already raised them on the 1%'ers. Gotta get it from me and you...

By the way, the Monthly Treasury Statement is projecting more Federal Revenue in FY2013 than ever before in American history. Why raise taxes? Is every dollar sacred? (http://www.youtube.com/watch?v=fUspLVStPbk) The Top 1% tax increase was projected in increase revenue by about $70 Billion per year out of a deficit exceeding $1,000 Billion.

The 'Gubmint Maw Needs You' if you want them to keep spending as they have. Maybe you could just fill out a 1040EZ form next year and pay your fair share!!! Don't bother with any write-offs - simplify your life!!!

RealMoneyIssues

07-05-2013, 10:59 AM

Nope RMI...

They gotta raise taxes on you to make a difference. They have already raised them on the 1%'ers. Gotta get it from me and you...

By the way, the Monthly Treasury Statement is projecting more Federal Revenue in FY2013 than ever before in American history. Why raise taxes? Is every dollar sacred? (http://www.youtube.com/watch?v=fUspLVStPbk) The Top 1% tax increase was projected in increase revenue by about $70 Billion per year out of a deficit exceeding $1,000 Billion.

The 'Gubmint Maw Needs You' if you want them to keep spending as they have. Maybe you could just fill out a 1040EZ form next year and pay your fair share!!! Don't bother with any write-offs - simplify your life!!!

I have to pay off my Corporate slave masters first, then I will consider sending all my left over to the IRS. They have to know how to spend all this excess more than I can. Have you seen all the great things they have done for the poor and unfortunate?

Thanks for the great idea!!

Boghie

07-05-2013, 11:27 AM

I have to pay off my Corporate slave masters first, then I will consider sending all my left over to the IRS. They have to know how to spend all this excess more than I can. Have you seen all the great things they have done for the poor and unfortunate?

Thanks for the great idea!!

Do I detect a little snark RMI? I thought I got you. Wasn't certain though. You are playing it very well:p

RealMoneyIssues

07-05-2013, 11:31 AM

Do I detect a little snark RMI? I thought I got you. Wasn't certain though. You are playing it very well:p

No play, James and FWM have convinced me of my evil, greedy, uncompassionate conservative ways... I could file bankruptcy, but my moral code still forbids me to do that... Only time will tell...

Frixxxx

08-05-2013, 11:04 AM

Looks Like No Change:

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

Boghie

08-05-2013, 11:38 AM

Looks Like No Change:

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

I think we will see the effect of the interest rate increase in this months Monthly Treasury Statement. Hopefully in a small way...

skidog

09-03-2013, 09:40 AM

I was thinking the G fund rate would go up in Sept since interest rates on bonds have been rising and the TSP annuity rate increased for Sept, however looking at the website it appears to still be 2.125% unless the rate hasn't been updated yet.:mad:

Frixxxx

09-03-2013, 10:04 AM

skidog

09-03-2013, 01:14 PM

2.375% Giddy up :)

Frixxxx

10-01-2013, 01:54 PM

FYI

Interest Rate: The current rate for new loans is 2.250%, which is the current G Fund interest rate.

Frixxxx

12-02-2013, 08:18 AM

A little (expected) drop this month:

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

Frixxxx

12-12-2013, 05:45 AM

Apparently TSP changed the rate twice this month.

Interest Rate: The current rate for new loans is 2.250%, which is the current G Fund interest rate.

I must have posted the 2.125 number from November.

I can't believe it went up.....

skidog

01-03-2014, 08:15 AM

2.5% Cha... ching:D

Frixxxx

01-03-2014, 08:32 AM

2.5% Cha... ching:D
LMAO :laugh:

sillbeer

01-03-2014, 08:38 AM

Wrong thread

Frixxxx

02-04-2014, 08:41 AM

Interest Rate: The current rate for new loans is 2.250%, which is the current G Fund interest rate.
-0.250%

Frixxxx

04-23-2014, 02:30 PM

Wow, missed a month (Mar), I've been lazy
Interest Rate: The current rate for new loans is 2.375%, which is the current G Fund interest rate.

Frixxxx

05-13-2014, 07:21 AM

Interest Rate: The current rate for new loans is 2.375%, which is the current G Fund interest rate.

No change - sorry for the lateness, went on a cruise to the Bahamas!

Frixxxx

06-27-2014, 07:42 AM

June numbers:

The current interest rate is: 2.250%

- .125%:blink:

July Next week! Promise!

Frixxxx

07-02-2014, 08:29 AM

July Reading:
Interest Rate: The current rate for new loans is 2.250%, which is the current G Fund interest rate.

No change.

Frixxxx

08-04-2014, 09:02 AM

Interest Rate: The current rate for new loans is 2.375%, which is the current G Fund interest rate.

+.125%:nuts:

Frixxxx

09-03-2014, 11:54 AM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

-0.250%

Quarter point drop....look out Lily Pad!:sick:

Frixxxx

10-02-2014, 02:53 PM

Interest Rate: The current rate for new loans is 2.375%, which is the current G Fund interest rate.

+0.250%

Bounce!

Frixxxx

11-04-2014, 04:09 AM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

Lily Pad beware!

- .250%

Frixxxx

12-02-2014, 01:16 PM

Interest Rate: The current rate for new loans is 2.000%, which is the current G Fund interest rate.

-.125% more to the down side you Lily Padders!

JTH

12-02-2014, 07:21 PM

Interest Rate: The current rate for new loans is 2.000%, which is the current G Fund interest rate.

-.125% more to the down side you Lily Padders!

Thanks Frixxxx!

So with the current rate of inflation at 1.66% that leaves us with .34% which is a gain of roughly .03% a year for parking our money?

Frixxxx

12-02-2014, 07:46 PM

Thanks Frixxxx!

So with the current rate of inflation at 1.66% that leaves us with .34% which is a gain of roughly .03% a year for parking our money?
Scary, isn't it?

Frixxxx

02-10-2015, 02:58 AM

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

Wow, you G Fund Lily Padders need to find somewhere to go...

Sorry I missed January!

JTH

02-10-2015, 05:24 PM

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

Wow, you G Fund Lily Padders need to find somewhere to go...

Sorry I missed January!

Thanks, this sure does make it difficult to park our money...

Sensei

02-10-2015, 06:15 PM

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

Wow, you G Fund Lily Padders need to find somewhere to go...

Sorry I missed January!

Geez, I think I'm paying 2.5% on the loan I took out in Jan '14. Good thing I'm paying myself. :)

Frixxxx

03-03-2015, 12:38 PM

Interest Rate: The current rate for new loans is 1.875%, which is the current G Fund interest rate.

+.250% - You go Lilly Pad!

Frixxxx

04-02-2015, 09:44 AM

Looks like status quo:

Interest Rate: The current rate for new loans is 1.875%, which is the current G Fund interest rate.

TSATSO

05-09-2015, 08:57 AM

Loan interest rate for new loans is 2.000%.

Frixxxx

06-02-2015, 09:26 AM

No Change: 2.000% for now!

Frixxxx

PessOptimist

07-09-2015, 03:23 PM

Just looked this up.

Current Limits and Rates

This page was updated on July 1, 2015.
Loan interest rate for new loans is 2.250%.

Not trying to steal your job Frixxxx.:smile:

tc5

07-22-2015, 02:56 PM

Hello there !
I hope you don't mind my asking, but where are you finding the "Loan interest rate for new loans" ?
and just how does that relate to our G-fund interest rate ? Thanks, just trying to figure things out.
Best regards,
TC

PessOptimist

07-26-2015, 02:47 PM

These links will get you started.

The first one gives you the loan interest rate which is supposed to be the same as the G fund yield for that month. One of the fact sheets states that.

https://www.tsp.gov/whatsnew/rates/currentLimitsAndRates.shtml

https://www.tsp.gov/PDF/formspubs/GFund.pdf

https://www.tsp.gov/investmentfunds/fundsheets/fundPerformance_G_Perf.shtml

https://www.tsp.gov/planparticipation/loans/loanBasics.shtml

PO

Frixxxx

08-04-2015, 03:54 AM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

Change: - .125%

Frixxxx

10-05-2015, 09:11 PM

The current interest rate is: 2.000

I noticed they removed the G Fund reference from the web page.

Happy investing all!

Frixxxx

01-05-2016, 03:00 PM

New Year, new Loan Rate:

Interest Rate: The current rate for new loans is 2.250%, which is the current G Fund interest rate.

Frixxxx

04-06-2016, 05:59 PM

Nobody kept me honest....April 2016:

The current interest rate is: 1.750%:censored:

PessOptimist

05-29-2016, 02:07 PM

And just in time for June,rates apparently were the same for May. 1.75%.:cheesy:

Frixxxx

01-04-2017, 08:00 AM

Trying to remember to post these as I am soo busy.....

Loan interest rate for new loans is 2.375%.

Frixxxx

02-02-2017, 04:34 PM

The current rate for new loans is 2.375%, which is the current G Fund interest rate.

No Change! Hmm, just like the Fed!:banana:

nnuut

02-02-2017, 08:22 PM

The current rate for new loans is 2.375%, which is the current G Fund interest rate.

No Change! Hmm, just like the Fed!:banana:They've been TRUMPED!!!:banana:

Frixxxx

03-08-2017, 11:35 AM

March's numbers late:
NC

The current interest rate is: 2.375%

Frixxxx

04-07-2017, 11:15 AM

April's Return rate:

No Change
The current rate 2.375%, which is the current G Fund interest rate.

Frixxxx

06-06-2017, 02:18 PM

The current rate for new loans is 2.250%, which is the current G Fund interest rate.

evilanne

06-06-2017, 07:10 PM

Hmmm, I thought interest rates were supposed to be rising.

Frixxxx

07-07-2017, 12:02 PM

The current rate for new loans is 2.250%, which is the current G Fund interest rate.

No Evilanne, still not rising.

Frixxxx

08-03-2017, 03:16 PM

The current interest rate is: 2.250%

:rolleyes:

Frixxxx

09-07-2017, 09:30 AM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.:wall:

-.125%

Frixxxx

09-07-2017, 09:30 AM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.:wall:

-.125%

Frixxxx

10-03-2017, 08:17 AM

The current rate for new loans is 2.250%, which is the current G Fund interest rate.

Back up +0.125%

Frixxxx

11-03-2017, 11:10 AM

The current interest rate is: 2.375%

+0.125%

:slomo:

Frixxxx

02-07-2018, 07:59 AM

Interest Rate: The current rate for new loans is 2.750%, which is the current G Fund interest rate.

Interest Rate: The current rate for new loans is 2.750%, which is the current G Fund interest rate.

Frixxxx

03-05-2018, 09:20 AM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

Interesting +.125% ---- almost 3%

Frixxxx

04-05-2018, 08:51 AM

Downtick -.125%

Interest Rate: The current rate for new loans is 2.750%, which is the current G Fund interest rate.

Frixxxx

05-22-2018, 07:08 AM

Missed this cause I was so busy:

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

+ 0.125%

Frixxxx

06-04-2018, 10:43 AM

No Change

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

Frixxxx

07-03-2018, 06:35 PM

No Change

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

Frixxxx

08-02-2018, 01:45 PM

Interest Rate: The current rate for new loans is 3.000%, which is the current G Fund interest rate.

+0.125% :nuts:

Frixxxx

09-05-2018, 07:43 PM

Interest Rate: The current rate for new loans is 2.875%, which is the current G Fund interest rate.

Drop

-0.125%

Frixxxx

11-02-2018, 09:09 AM

Sorry for missing October, it was 3.000%

November:

Interest Rate: The current rate for new loans is 3.125%, which is the current G Fund interest rate.

PessOptimist

11-02-2018, 07:16 PM

Thanks Frixxxx.

Frixxxx

12-04-2018, 09:21 AM

Interest Rate: The current rate for new loans is 3.000%, which is the current G Fund interest rate.

No Change

PessOptimist

01-22-2019, 12:31 AM

Frixxxx

01-22-2019, 06:00 AM

Frixxxx, not sure how to find that anymore. Clicking on current loan rate gets this:

Current loan interest rate — (November 2, 2018) The interest rate on your TSP loan is the G Fund rate at the time your loan application is processed. The current rate is 3.125%. We are working to resolve a technical issue that may cause a different rate to show when using our Loan wizard. If you generated a loan agreement on or after November 2, 2018, be sure to check that the interest rate on your loan agreement is 3.125% before submitting.

Sounds like they are having some issues? I was actually looking for the current G fund rate.

PO

Not sure where you got your post, but I check two places:

1. My Account->Online Transactions->TSP Loans-> Current Rate and Amount Available. In the box: The current interest rate is: X.XXX%

2. Home Page->Planning & Tools->Estimate Loan Payments-> In the blue box at Bottom should match for the month. This is what I cut and paste into thread.

If they are providing that information at the time of a loan request, yes, I would verify that any actual loan variables be validated against these two numbers or verify it with TSP directly.

Frixxxx

02-12-2019, 09:27 AM

Interest Rate: The current rate for new loans is 2.625%, which is the current G Fund interest rate.

Frixxxx

03-11-2019, 04:22 AM

Interest Rate: The current rate for new loans is 2.750%, which is the current G Fund interest rate.

nasa1974

03-11-2019, 08:45 AM

From Govexec.com
https://www.govexec.com/?oref=logo

Treasury Suspends G Fund Investments, Retirement Programs Could Become More Generous, and More

By Erich Wagner (https://www.govexec.com/voices/erich-wagner/12880/)
March 6, 2019
212 Comments (https://www.govexec.com/pay-benefits/pay-benefits-watch/2019/03/treasury-stops-investments-delay-debt-ceiling-retirement-programs-could-become-more-generous-and-more/155340/?oref=river#disqus_thread)

https://www.govexec.com/pay-benefits/pay-benefits-watch/2019/03/treasury-stops-investments-delay-debt-ceiling-retirement-programs-could-become-more-generous-and-more/155340/?oref=river

Frixxxx

04-30-2019, 07:24 AM

A little late with April's change:

Interest Rate: The current rate for new loans is 2.500%, which is the current G Fund interest rate.

Frixxxx

05-04-2019, 09:20 AM

Interest Rate: The current rate for new loans is 2.500%, which is the current G Fund interest rate.

May 2019

PessOptimist

06-21-2019, 03:05 PM

Checked today and

The current interest rate is: 2.250%

Frixxxx

07-03-2019, 01:28 PM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

Frixxxx

08-06-2019, 05:49 PM

Interest Rate: The current rate for new loans is 2.125%, which is the current G Fund interest rate.

No change for this month!

Frixxxx

09-04-2019, 06:16 PM

WOW!!!!!!

******************
-0.500%
******************

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

tsptalk

09-04-2019, 07:01 PM

I wonder when it will go negative. Greenspan thinks it will happen to bond yields, so maybe here as well?

PessOptimist

09-05-2019, 02:44 AM

I mentioned this subject in my account talk in July. This from TSP.gov.

Rewards
The payment of G Fund principal and interest is guaranteed by the U.S. Government. This means that the U.S. Government will always make the required payments. In other words, your G Fund investment is not subject to credit (default) risk (https://www.tsp.gov/sitehelp/glossary/glossary.html?term=CreditRisk).
The G Fund interest rate calculation is based on the weighted average yield of all outstanding Treasury notes and bonds with 4 or more years to maturity. As a result, participants who invest in the G Fund are rewarded with a long-term rate on what is essentially a short-term security. Generally, long-term interest rates are higher than short-term rates.

https://www.tsp.gov/PDF/formspubs/tsplf14.pdf has facts about the G fund.

Both say you cannot lose principle but don’t say the interest rate can’t go to 0%. They just guarantee to pay the calculated rate. If it is calculated at 0%, I guess they pay 0%.

PO

Frixxxx

10-09-2019, 02:07 PM

Interest Rate: The current rate for new loans is 1.750%, which is the current G Fund interest rate.

+.125%

On the rise!

Sorry So Late, on my update!

PessOptimist

10-09-2019, 09:34 PM

Woohooo! Thanks Frixxxx.

Frixxxx

11-07-2019, 11:08 AM

Interest Rate: The current rate for new loans is 1.750%, which is the current G Fund interest rate.

NO CHANGE

Frixxxx

12-17-2019, 02:57 PM

Sorry for the delay in posting! Happy Holidays every one of you!

Interest Rate: The current rate for new loans is 1.875%, which is the current G Fund interest rate.

+.125% change

nnuut

12-17-2019, 06:26 PM

Thanks Frixxxx nice to hear from you!45156

Frixxxx

01-14-2020, 02:17 PM

Interest Rate: The current rate for new loans is 2.000%, which is the current G Fund interest rate.

+.125%

HMMMMMMMMM

Frixxxx

02-05-2020, 01:05 PM

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

-0.375%

WOW:sick:

James48843

02-05-2020, 01:23 PM

Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

-0.375%

WOW:sick:

I am thinking of taking a 50k loan right now to pay off all other outstanding bills i have. I have some significant credit card debt at 12%, some second mortgage debt at 5% , and a car loan at 4.75%.

It may be just worth it to borrow from the TSP right now at 1.625% and pay those off.

Frixxxx

02-05-2020, 01:45 PM

I am thinking of taking a 50k loan right now to pay off all other outstanding bills i have. I have some significant credit card debt at 12%, some second mortgage debt at 5% , and a car loan at 4.75%.

It may be just worth it to borrow from the TSP right now at 1.625% and pay those off.

Not sure if that would be prudent, unless you don't need the return on the money you are expecting to remove from TSP for the duration.

Isn't there a way to reallocate your budget to pay off those items quicker? Also, does the second mortgage offer any tax benefits?

You might want to limit your revolving credit through a loan, but you have to curb the usage if you are talking amounts that are impacting any lifestyle issues.

$0.02 of mine

PessOptimist

03-03-2020, 06:35 PM

One place I look still says 1.625. Another says 1.25. I am betting on 1.25 based on share prices. I will leave the "official" posting to Frixxxx as I never can find the snip he posts. Might be because I'm retired and when I click on "loan and Annuity Rate" it says no loan for you retiree.

Based on some discussion previously, we may find out if it can go to 0%.

PO

TSATSO

03-26-2020, 04:32 PM

I will leave the "official" posting to Frixxxx as I never can find the snip he posts.
PO
Just go to the TSP "public" website, and then to the "Current Limits and Rates" page. The "Loan Interest Rate for New Loans" is the same as the "G" Fund interest rate.

currentLimitsAndRates.html (https://www.tsp.gov/whatsnew/Content/currentLimitsAndRates.html)

PessOptimist

04-06-2020, 12:28 PM

Loan interest rate for new loans is 0.875%, which is the current G Fund interest rate.

Down another .375%.

Frixxxx

04-06-2020, 02:27 PM

Thanks PO!

This working from home is not easy, and I'm backfilling an empty slot, so 2 jobs and 1 me.

Loan interest rate for new loans is 0.875%, which is the current G Fund interest rate.

Down another .375%.

PessOptimist

04-10-2020, 08:27 PM

Thanks PO!

This working from home is not easy, and I'm backfilling an empty slot, so 2 jobs and 1 me.2 jobs-so the're paying you both salaries:D? Been there done that. Retirement is good.

Don't want to step on one of you other duties but will continue to post the rate if I see you didn't a few days into the month. If you have no objections.

Since I am all in G right now I am watching to see if it will go to 0% and then what if the computed average yield goes to 0%.

PO

Frixxxx

05-05-2020, 04:00 PM

Interest Rate: The current rate for new loans is 0.750%, which is the current G Fund interest rate.

Getting close to having to pay to be in the G Fund!

Interest Rate: The current rate for new loans is 0.750%, which is the current G Fund interest rate.

PessOptimist

06-06-2020, 10:40 PM

Frixxxx

07-09-2020, 01:13 PM

Interest Rate: The current rate for new loans is 0.750%, which is the current G Fund interest rate. Still no change, but wow! If you ever needed a loan, this is cheap money.

Frixxxx

08-03-2020, 04:58 PM

Interest Rate: The current rate for new loans is 0.750%, which is the current G Fund interest rate. - NO CHANGE!!!!!!!

PessOptimist

08-13-2020, 08:23 PM

Just found this at https://www.tsp.gov/loan-basics/loan-types-and-terms/

The current loan interest rate on new loans is 0.625%, which is the current G Fund (https://www.tsp.gov/funds-individual/g-fund/) interest rate.

With the annual admin fee of .043% this makes the real rate about .58%.

I thought I checked after 8/1/20 and it said .75%. Wonder when they adjusted it.

PO

Frixxxx

09-02-2020, 12:44 PM

The current interest rate is: 0.625%

nnuut

09-02-2020, 01:01 PM

.625!!! How Low can She GO??47062

weatherweenie

09-02-2020, 01:04 PM

Remember when we thought this was a pittance? Aug - 2010

2.5%:cool:

.625!!! How Low can She GO??47062

nnuut

09-02-2020, 01:30 PM

I am one of those that remembers 8%.47063 Now it stinks.47064

Boghie

09-02-2020, 03:37 PM

The current interest rate is: 0.625%

Gonna hurry up and get my IFT to G now!!!

I know of way too many people camping the G Fund. They were hot and bothered - with no allocation - in the C and S Funds till late February. They loved the Risk (Standard Deviation) in the up direction, but barfed when it went sharply in the other. They panicked. And, never reinvested. I cannot drag these folks out from under the bed.

And, now really isn't the time to get fully invested if you have something to lose. It will likely be choppy out there. Be careful...

Bullitt

09-02-2020, 05:23 PM

My Capitol One savings account is yielding .65% and I last remember it being 1.8% some time last year.

Asset inflation is what the federal reserve wants. Make no mistake, they want you buying some American Apple.

No, I am not 100% stocks (Ric Edelman says I should be though). I still allocate close to half my bonds into the G fund to smooth volatility. It also gets re-balance into CSI during drawdowns.

PessOptimist

11-25-2020, 06:37 PM

FWIW, TSP site posts .875% for November. Seems close according to my tracking.

PO

PessOptimist

04-16-2021, 09:05 PM

TSP site says 1.625. Seems a little higher by my tracking. FWIW department.

Frixxxx

06-03-2021, 01:36 PM

The current loan interest rate on new loans is 1.500%, which is the current G Fund (https://www.tsp.gov/funds-individual/g-fund/) interest rate.

sean101

06-18-2022, 12:58 PM

The current loan interest rate on new loans is 1.500%, which is the current G Fund (https://www.tsp.gov/funds-individual/g-fund/) interest rate.

I saw another post around here recently, that had the G fund at a 3.4% return rate currently. Anyone have any thoughts on what it might be by the end of summer?

tsptalk

06-18-2022, 04:43 PM

Could be over 4% near 4.5%? Just a guess based on the Fed's plans.

sean101

09-02-2022, 03:38 PM

I saw another post around here recently, that had the G fund at a 3.4% return rate currently. Anyone have any thoughts on what it might be by the end of summer?

The rate of return for the G fund is currently TOO LOW ! TOO LOW!!!

tsptalk

09-03-2022, 01:57 PM

It dipped a bit but it has actually almost doubled since January:

https://www.tsptalk.com/images/mb/2022/090322a.gif

Still relatively low, but it should move up as the Fed raises rates.

nasa1974

09-03-2022, 05:42 PM

In 1988 the "G" fund was 8.81%.

Cobra

09-03-2022, 05:50 PM

It dipped a bit but it has actually almost doubled since January:

https://www.tsptalk.com/images/mb/2022/090322a.gif

Still relatively low, but it should move up as the Fed raises rates.

As of September 2022, the TSP G Fund interest rate is 3.375%.
These 3 URLs are updated Monthly
https://www.tspfolio.com/tspfunds
https://www.tspfolio.com/tspgfundinterestrate
https://www.tspfolio.com/tspgfund

nasa1974

09-03-2022, 08:17 PM

As of September 2022, the TSP G Fund interest rate is 3.375%.
These 3 URLs are updated Monthly
https://www.tspfolio.com/tspfunds
https://www.tspfolio.com/tspgfundinterestrate
https://www.tspfolio.com/tspgfund

The last time the "G" fund finished above 3% was 2008 at 3.75%.

Boghie

09-06-2022, 11:07 AM

Khotso

09-06-2022, 11:18 AM

This is weird.

If the TSP Loan interest rate is still the interest return of the G-Fund, then the G-Fund interest rate is now 2.88%

You can get there via:

Log onto TSP
Select 'Savings & Retirement' from the Top/Center menu
Select Loans

Why is that weird???

Because, on Friday I provided this rate in another thread - and, it was 3.12% (https://www.tsptalk.com/mb/day-to-day-market-talk/39534-g-fund.html#post677433) :notrust:

So, over the long weekend the interest rate on TSP loans changed - to the lower. And, perhaps, the interest rate on the G-Fund changed - to the lower. In a period of rising interest rates. Hmmmm

The whole frigging site is weird. The date for my current balance shows as Sept 1 yesterday and September 2 today -- same balance. WTF? This is true every time I look at my balance. It is impossible for me to know for certain what my current balance is and when it became that amount from this site. I just don't frigging trust the site. I keep thinking "Brewsters Millions".

Tsunami

09-24-2022, 08:09 AM

With the G fund increasing by 0.0016/day, with this formula in Excel I get an annual return of about 3.48%. Hopefully that jumps up to near 4% in October.
=(1+0.0016/17.05)^365-1
An increase of 0.0018/day would equate to 3.93%/year.

nnuut

09-24-2022, 08:12 AM

$3.93 is better than Nothing!

sean101

10-03-2022, 09:27 PM

it looks to me like it is still at the daily .0016 rate, as of today. Am I reading it wrong?? i saw somewhere else that the rate for Oct. was up to 4%. Is the TSP ripping us off??

nasa1974

10-03-2022, 10:02 PM

On January 1st the "G" fund was $16.7365 per share. On September 30th it was $17.0620 per share. The "G" fund is up .33 for the year so far. It is averaging about .04 per month.

tsptalk

10-03-2022, 10:39 PM

The G fund paid 0.0281% on Monday. It's always higher on Monday since it incorporates Sat and Sun.

Last Monday it was +0.0276%

We'll see what a Tuesday brings compared to last Tuesday.

it looks to me like it is still at the daily .0016 rate, as of today. Am I reading it wrong?? i saw somewhere else that the rate for Oct. was up to 4%. Is the TSP ripping us off??

Boghie

10-04-2022, 08:29 AM

The annual rate of return on the G-Fund is the same as the interest rate on a TSP loan.

As of today, the interest rate on a TSP loan is: 3.38%

Remember, these rates are not lock step with FED rates. They do, however, tend to increase as bond rates increase - to remain 'competitive' or nobody would buy them. I am not certain, but I think the Treasury sets these rates. If interested, this is the rate of return our Social Security 'lock box' funds are making - although politicians have been promising benefits requiring about a +1% float to cover.

Tsunami

10-04-2022, 07:36 PM

Today's increase in the G fund was 0.0019, a nice jump this month.

=(1+0.0019/17.06)^365-1 = 4.15%

sean101

10-04-2022, 08:24 PM

Hey now !!!!
https://media.giphy.com/media/JF5NmdFbKcUk40RgHh/giphy.gif

cmil1212

10-04-2022, 09:48 PM

Today's increase in the G fund was 0.0019, a nice jump this month.

=(1+0.0019/17.06)^365-1 = 4.15%

Not bad at all.

Sent from my iPhone using Tapatalk

tsptalk

10-04-2022, 10:28 PM

Today's increase in the G fund was 0.0019, a nice jump this month.
=(1+0.0019/17.06)^365-1 = 4.15%

That was +0.0111% vs. last Tuesday which was +0.0094%, so it is going up.

As to the other part of your post... :blink:

Tsunami

11-05-2022, 02:14 PM

For November, looks like the G fund share price is gaining 0.00195 per day on average, which works out to 4.24% for a full year at that pace.

James48843

06-15-2023, 01:45 AM

What kind of daily return is the G fund given now that interest rates have crept higher? Are we around 5% now? We should be.

Sent from my iPhone using TSP Talk Forums (http://r.tapatalk.com/byo?rid=74921)

tsptalk

06-15-2023, 08:26 AM

Based on yesterday's gain of 0.0103%, that's about 3.75% for a full year

tsptalk

06-15-2023, 08:52 AM

Current Loan rate 3.625%

Annuity rate 3.950%

Boghie

06-15-2023, 09:04 AM

What kind of daily return is the G fund given now that interest rates have crept higher? Are we around 5% now? We should be.

The interest rate for the G-Fund - and, in fact, Social Security Bonds - is set by a weird pension-like formulation (https://www.ssa.gov/oact/progdata/intrateformula.html). Kinda the way a floating annuity is set. It is not directly set by 'the market'. It should trail 'the market' as the FED rate rises. BTW, that could be a nice 'feature' for us greedy plutocrats. Let it ride up till it reaches the FED rate, buy in, and then enjoy as the fall is sticky.

I think the one we should be watching is our F-Fund. That is market set, but because it is a fund of bonds it is a big blah of a bunch of bonds at different stages in their maturity. It should rise till the average is higher than the FED Funds rate. Again, this may prove a boon to us 10%ers. Let it ride up, move lots of casholla in, and then smile as the higher interest bonds provide ongoing returns.

Right now, neither is good. G loses to inflation and F has yet to wash out the very low yield bonds. I think F yield is still only 4.76% and the weighted average maturity is over 8 years. It should be a couple of points higher than the FED rate.

*** WARNING: I've never been a bond guy. I am very much learning this stuff as we go along ***

tsptalk

06-15-2023, 09:14 AM

Based on yesterday's gain of 0.0103%, that's about 3.75% for a full year

I don't think that's correct, actually. It's not including daily compounding. It's probably closer to 3.9%. I'll try excel. :embarrest:

nasa1974

06-15-2023, 10:30 AM

The interest rate for the G-Fund - and, in fact, Social Security Bonds - is set by a weird pension-like formulation (https://www.ssa.gov/oact/progdata/intrateformula.html). Kinda the way a floating annuity is set. It is not directly set by 'the market'. It should trail 'the market' as the FED rate rises. BTW, that could be a nice 'feature' for us greedy plutocrats. Let it ride up till it reaches the FED rate, buy in, and then enjoy as the fall is sticky.

I think the one we should be watching is our F-Fund. That is market set, but because it is a fund of bonds it is a big blah of a bunch of bonds at different stages in their maturity. It should rise till the average is higher than the FED Funds rate. Again, this may prove a boon to us 10%ers. Let it ride up, move lots of casholla in, and then smile as the higher interest bonds provide ongoing returns.

Right now, neither is good. G loses to inflation and F has yet to wash out the very low yield bonds. I think F yield is still only 4.76% and the weighted average maturity is over 8 years. It should be a couple of points higher than the FED rate.

*** WARNING: I've never been a bond guy. I am very much learning this stuff as we go along ***

My financial advisor has moved me into short term bonds over the last 9 months because of the interest rates. I'm guessing he will be moving me out of these bonds before the end of the year. Off the top of my head, I don't remember the interest rates. I'd have to go look it up.

Bullitt

06-15-2023, 02:59 PM

TommyIV

06-15-2023, 03:21 PM

I don't think that's correct, actually. It's not including daily compounding. It's probably closer to 3.9%. I'll try excel. :embarrest:

I calculated 3.83% if we assume the compound frequency is everyday including weekends, 365 days.

TommyIV

06-15-2023, 03:29 PM

Higher bond yields make it much easier to support a desired lifestyle in retirement. Once you have enough, why take unnecessary risks?

G Fund at 3.9% is the best its been all the way back to the 2008 collapse.

https://www.tspfolio.com/tspgfundinterestrate

With that said, do you advocate the F-fund over the G-fund to hold cash not invested in stocks while investing for retirement?

James48843

06-15-2023, 06:07 PM

Current Loan rate 3.625%

Annuity rate 3.950%

Thanks.

Ever since they changed the G fund makeup a few years back it’s been underperforming what it used to do. It used to be about the same as a percent higher the 30 year treasury. Now it’s always less than that- more like a fraction over the 30 year treasury.

But 3.65% isn’t that bad for a safety fund.
It’s better than it has been for a couple years.

Sent from my iPhone using TSP Talk Forums (http://r.tapatalk.com/byo?rid=74921)

Bullitt

06-15-2023, 06:14 PM

It's worth allocating to all funds for diversification purposes. My TSP bond portion is proportionally 70% G and 30% F, so yes, I overweight G.

G operates more like a money market fund, but you can't get a bond fund like G anywhere else that's government backed.

As we've seen since 2020 in the bond market, F carries market risk. It has been a disastrous two years for any newly minted retiree drawing down their bonds (or stocks) to provide income. Usually that's not the case in a stock bear market, but we've also been in a bond bear, and that's a problem. The problem won't manifest itself for 15-20 years down the road though as those funds sold at a loss today will never have the chance to recover in the long run.

Unfortunately, TSP does not allow you to pick what fund you'd like to draw from. Ideally, you'd have wanted to draw from G the past two years, then gradually start selling CSI during the bullish times to get back to that target asset allocation. This is one good reason to export your TSP to an actual brokerage firm.

Boghie

06-20-2023, 10:46 AM

With that said, do you advocate the F-fund over the G-fund to hold cash not invested in stocks while investing for retirement?

The F-Fund will continue to decline till the average yield is some margin greater than the FED Funds rate. The AGG yield is currently around 4.75% with an 8.5 year average maturity date (https://www.ishares.com/us/products/239458/ishares-core-total-us-bond-market-etf). The FED Funds Rate is currently at 5.25%. This means that the new bonds going into the F-Fund will have an interest rate something higher than 5.25%. The Big Boys will not invest in bonds for free. So, wait. Buy in when the yield is at or above the FED Funds Rate. Just a guess, but...

It's worth allocating to all funds for diversification purposes. My TSP bond portion is proportionally 70% G and 30% F, so yes, I overweight G.

G operates more like a money market fund, but you can't get a bond fund like G anywhere else that's government backed.

As we've seen since 2020 in the bond market, F carries market risk. It has been a disastrous two years for any newly minted retiree drawing down their bonds (or stocks) to provide income. Usually that's not the case in a stock bear market, but we've also been in a bond bear, and that's a problem. The problem won't manifest itself for 15-20 years down the road though as those funds sold at a loss today will never have the chance to recover in the long run.

Unfortunately, TSP does not allow you to pick what fund you'd like to draw from. Ideally, you'd have wanted to draw from G the past two years, then gradually start selling CSI during the bullish times to get back to that target asset allocation. This is one good reason to export your TSP to an actual brokerage firm.

Bullitt, I'm within three to six years of the Golden Watch. Right now, I am trying to allocate enough to G-Fund to pull my needs and wants out over seven years once I factor in 75% of both Social Security and Pension. Why 75% of what is promised - because SS wil pay out a bit more than 75% of promised even if they do not borrow to pay to promise. So, that is a safe bet for Social Security - and, our pension is 'invested' in Social Security bonds, so... . Anyway, that is my personal 'Lock Box'. What I was thinking of doing in my Golden (not Shower) Years was IFT to G before the monthly distribution and reallocate after. That way, the distribution is pulled only from the G. I don't know if that will work and it puts a limit of 1 forward IFT, but it is something I am looking at. I have no way of testing it.

The bummer is that I will never again be in sniffing distance for the monthly prize. Then again, I should never be within sniffing distance of the 'Big Booby Prize in the Sky' - some event like 2008 catching me in a slumber and losing half my mullah.

nnuut

06-20-2023, 10:54 AM

2008 did the same thing to me! BUMMER!58323

skycophigh

08-27-2023, 11:41 AM

tsptalk

08-27-2023, 12:30 PM

Hi skycophigh,

I don't really have a suggestion but as an FYI, the L-income fund, which is typically considered an allocation for retired folks and may not be aggressive enough for you, is currently allocated as follows:

G Fund 69.38%
F Fund 5.63%
C Fund 13.06%
S Fund 3.18%
I Fund 8.75%

So it's closer to 25/75 stocks to bonds and cash

nasa1974

08-27-2023, 01:12 PM

Hi, I was wondering what you would suggest a 68 year old, retired ATC'er with a very good pension and SS that covers all of my expenses should do with my TSP???. most advisors go with the "age Rule" 100-68 would be 32% stocks, 68% bonds and cash. With the "G" fund returning about 4% right now, it would seem logical to leave it all in "G"??, Thoughts?? TIA. Leigh

Like Tom said, it depends on how aggressive you want to be with your TSP account. You will have to start drawing from your account in about 4 years. So, something else to think about is how you will want to reinvest the monthly check you will be getting from TSP. That might help you decide what to do now. I'm guessing over the next couple of years the "G" fund will fall back to around 1-2% once we start moving out of this recession.