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TSP Funds Show Positive Returns in August

FFEBA Contributor

September 3, 2025

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In August 2025, all TSP funds reported positive returns. The S Fund, tracking small-and mid-size businesses, led with a 4.08% gain, while the C Fund, mirroring the S&P 500, rose 2.03%. The I Fund also rebounded from an anemic July performance to post a 3.95% increase.

The C Fund (S&P 500) and S Fund (U.S. stocks outside the S&P 500) achieved four consecutive months of positive returns through August 2025, driven by strong corporate earnings, investor confidence, and expectations of a Federal Reserve interest rate cut in September.

The G Fund, composed of government-backed securities, grew at its mandated rate of 0.37%, with a year-to-date increase of 2.98%. All lifecycle (L) funds ended August in positive territory, with gains ranging from 1.12% for the L Income Fund to 2.95% for the L 2055, L 2060, L 2065, L 2070, and the newly launched L 2075.

G Fund:
0.37% August
2.98% YTD
4.42% 12 Month

F Fund:
1.19% August
4.99% YTD
3.15% 12 Month

C Fund:
2.03% August
10.76% YTD
15.83% 12 Month

S Fund:
4.08% August
8.96% YTD
15.84% 12 Month

I Fund
3.95% August
21.5% YTD
12.80% 12 Month

The Thrift Savings Plan has continued its upward trajectory, now totaling $1.017 trillion in assets, of which $81 billion are in Roth accounts. For comparison, at the close of 2024, assets stood at $963 billion overall and $73 billion in Roth holdings.

By July 31, 2025, the average FERS participant balance was $205,373 across 4,159,982 accounts. Roth balances for FERS employees averaged $35,627. Altogether, the TSP managed over 7.2 million accounts at the end of July, a figure that includes beneficiaries, CSRS participants, as well as uniformed services under both legacy and BRS plans.

Check your TSP Funds regularly to make sure your allocations are maximizing your returns. Need help? A Federal Retirement Consultant (FRC®) can give you a complimentary analysis and tailor a plan to meet your retirement goals.

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