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Thread: Monthly return rate

  1. #169

    Join Date
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    Default Re: Monthly return rate

    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.
    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 donít say the interest rate canít go to 0%. They just guarantee to pay the calculated rate. If it is calculated at 0%, I guess they pay 0%.

    PO

  2.  
  3. #170

    Join Date
    Feb 2007
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    San Diego, CA
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    Default Re: Monthly return rate

    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!
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  4.  
  5. #171

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    Default Re: Monthly return rate

    Woohooo! Thanks Frixxxx.


  6.  
  7. #172

    Join Date
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    Default Re: Monthly return rate

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

    NO CHANGE
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  8.  
  9. #173

    Join Date
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    Cool Re: Monthly return rate

    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
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  10.  
  11. #174

    Join Date
    Jun 2004
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    Boiled Peanut, Georgia, USA
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    60,301

    Default Re: Monthly return rate

    Thanks Frixxxx nice to hear from you!frixxxxhurt.jpg
    02/26/2020
    CRUDE Oil =
    $48.73 a Barrel, Daily Status -$1.17

  12.  
  13. #175

    Join Date
    Feb 2007
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    Default Re: Monthly return rate

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

    +.125%

    HMMMMMMMMM
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  14.  
  15. #176

    Join Date
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    Default Re: Monthly return rate

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

    -0.375%

    WOW
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  16.  
  17. #177

    Join Date
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    Default Re: Monthly return rate

    Quote Originally Posted by Frixxxx View Post
    Interest Rate: The current rate for new loans is 1.625%, which is the current G Fund interest rate.

    -0.375%

    WOW

    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.

  18.  
  19. #178

    Join Date
    Feb 2007
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    Default Re: Monthly return rate

    Quote Originally Posted by James48843 View Post
    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
    THIS IS WHERE I WOULD PUT SOMETHING TO REPRESENT MY THINKING, BUT THEN THEY SHOW UP!
    Tracker =
    100%- I Fund

  20.  
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