Also, detailed information regarding the upcoming Roth in-plan conversion feature is available on the TSP website<\/a>. This conversion plan feature will be available beginning January 28, 2026.<\/p>\n Interfund Transfers and Participant Asset Allocation as of November 2025<\/p>\n TSP investors decided to transfer at least some of their investment funds out of the stock market and seek the safety or higher returns in other funds. <\/p>\n About $1.5 billion was transferred from the S Fund in November and $403 million from the C Fund. Where did the money go? $921 million was transferred into the G Fund, $260 million into the F Fund, and $526 million into the I Fund.<\/p>\n The transfer activity in November had little impact on TSP investors\u2019 overall asset allocation, as the amounts were relatively small. The C Fund accounted for 35.3% of participant-allocated funds, followed by the G Fund at 22.7%. Despite the noteworthy returns of the I Fund in 2025 (see chart below), only 4.7% of TSP investor assets are in the I Fund. The S Fund has 8.9%. <\/p>\n Fund% of Participant AllocationC Fund35.3G Fund22.7S Fund8.9I Fund4.7F Fund2.2%<\/p>\n \ud83d\udcc9 December 2025 TSP Returns (Month-to-Date)<\/p>\n G Fund: Slight positive \u2014 up about +0.19% month-to-date (MTD) so far<\/p>\n I Fund: Only other fund showing a net positive monthly return, up about +0.33% so far in December<\/p>\n Other Funds:<\/p>\n F Fund: Slight negative (~-0.40% MTD)<\/p>\n C Fund: Down more (~-1.78% MTD)<\/p>\n S Fund: Also down (~-0.76% MTD)<\/p>\n L Funds: All showing modest month-to-date declines, roughly in line with their equity exposure<\/p>\n Bottom line so far in December: The safe, bond-like G Fund and the internationally oriented I Fund are holding up best. U.S. stock-linked funds (C, S) and mixed lifecycle funds are mostly down so far this month, reflecting broader stock market softness.<\/p>\n \ud83d\udcca Year-to-Date (YTD) 2025 TSP Returns<\/p>\n I Fund: Leading the pack with ~+29% YTD \u2014 far outpacing others thanks to strong international equity performance.<\/p>\n C Fund: Solid U.S. stock gains with roughly +15.7% YTD. <\/p>\n S Fund: Good performance in small\/mid-caps \u2014 around +11.1% YTD. <\/p>\n F Fund: Positive returns in bonds \u2014 about +7.05% YTD. <\/p>\n G Fund: Modest but steady return as expected \u2014 roughly +4.3% YTD.<\/p>\n Lifecycle (L) Funds: All showing strong YTD gains, roughly +8.6% to +19.6% depending on equity exposure. <\/p>\n Summary of What This Means for TSP Returns<\/p>\n 2025 has been a strong year overall for most TSP funds, especially international (I Fund) and U.S. stock (C and S) exposures.<\/p>\n December so far has been weak for equities, with U.S. stock funds showing declines \u2014 likely reflecting market volatility late in the year \u2014 while the G Fund (safety) and I Fund still show small gains.<\/p>\n If you\u2019re risk-averse or near retirement, the G Fund\u2019s consistency stands out. If an investor is largely investing for strong growth this year, the I Fund is the clear stand-out. <\/p>\n \ud83d\udcca TSP Returns So Far December and 2025 Year-to-Date<\/p>\n FundMonth-to-DateYear-to-DateG Fund0.19%4.28%F Fund-0.40%7.05%C Fund-1.78%15.68%S Fund-0.76%11.12%I Fund0.33%28.96%L Income-0.14%8.65%L 2030-0.48%13.79%L 2035-0.57%14.74%L 2040-0.64%15.64%L 2045-0.69%16.41%L 2050-0.75%17.17%L 2055-0.90%19.56%L 2060-0.90%19.57%L 2065-0.90%19.57%L 2070-0.90%19.58%L 2075-0.90%N\/AReturns as of December 17, 2025 | Source: TSPDataCenter.com<\/a><\/p>\n \u00a9 2025 Ralph R. Smith. All rights reserved. This article![\"horizontal](\"https:\/\/www.newsbeep.com\/us\/wp-content\/uploads\/2025\/12\/TSPAllocationNov25.png\")
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\n\t\t\t\t\t\t\t\tmay not be reproduced without express written consent from Ralph R. Smith.<\/p>\n","protected":false},"excerpt":{"rendered":"Important Dates for TSP Investors from FRTIB In the monthly meeting of the Federal Retirement Thrift Investment Board…\n","protected":false},"author":2,"featured_media":359648,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[28,147,530],"class_list":{"0":"post-359647","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-personal-finance","10":"tag-personalfinance"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/359647","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=359647"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/359647\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/359648"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=359647"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=359647"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=359647"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}