MyPlanIQ 401k Investor Federal Employee Thrift Savings Plan

Federal Employee Thrift Savings Plan

This Plan is unrated.
Investment Options
Total Available Funds: 5
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX I FUND
US EQUITY
LARGE BLEND VFINX C FUND
SMALL BLEND NAESX Naesx
FIXED INCOME
Intermediate-Term Bond VBMFX F FUND
SHORT GOVERNMENT TSPGFUND G FUND
Total Available Funds: 5
Asset Class Ticker Description Rating
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX I FUND
US EQUITY
LARGE BLEND VFINX C FUND
SMALL BLEND NAESX Naesx
FIXED INCOME
Intermediate-Term Bond VBMFX F FUND
SHORT GOVERNMENT TSPGFUND G FUND
Total Available Funds: 5
  • R*: Redemption (Minimum months to hold).
  • RT: Round Trip (number of times allowed to buy/sell in trailing 12 months).
  • WP: Waiting Period (minimum months to wait before buy again).
  • M*:Mark (p: proxy, n: not used).
Asset Class Ticker Description Rating R* RT WP Expense Yield
INTERNATIONAL EQUITY
Foreign Large Blend VGTSX I FUND 16% 1 60 0 0.22% 3%
US EQUITY
LARGE BLEND VFINX C FUND 91% 1 60 0 0.17% 1.78%
SMALL BLEND NAESX Naesx 90% 3 60 0 0.3% 0.76%
FIXED INCOME
Intermediate-Term Bond VBMFX F FUND 61% 1 60 0 0.2% 2.65%
SHORT GOVERNMENT TSPGFUND G FUND 31% 1 60 0 NA 1.62%
Average Expense Ratio: 0.22%
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Model Portfolios
Strategic Asset Allocation - Equal Weight: Click here to see this strategy description
Equal Weight & Regular Rebalance YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 2.0% 7.5% 4.9% 6.6% 5.7% 5.4%

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Asset Allocation Composite: Click here to see this strategy description
Strategic Asset Allocation with Dynamic Risk Adjustment YTD**
Return
1Yr
AR*
3Yr
AR*
5Yr
AR*
10Yr
AR*
15Yr
AR*
Click for Portfolio Details or Follow 1.7% 6.6% 6.0% 7.1% 7.0% 7.1%

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*     AR: Annualized Return
**   YTD: Year to Date (not annualized)
*** The above portfolios are of moderate risk, which means that more than 40% of assets are in fixed income funds.


Description
The plan consists of 10 funds. It covers 3 major asset classes and 10 minor asset classes. The major asset classes it covers are Fixed Income, US Equity and Foreign Equity.

Thirft Savings Plan (TSP) is for federal employees. The plan concsists of 6 funds. Please refer to this page for the fund description.

Since all of the funds are separately managed accounts, We use benchmark funds as proxies for candidate funds. The L funds, Lifecycle fund, are not used in this plan.

The G fund is a stand out fixed income fund that has had outstanding performance. Based on the description on this page, "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.' The key here is the 'short term security' with long term interest rate. Talk about the advantage of being employed by the federal government!

In MyPlanIQ, G Fund is modeled as money market fund (i.e. its NAV is always 1) with yields calculated as (5 year treasury  yield+ 10 year treasury yield)/2. It has a sepcial designated symbol 'TSPGFUND'.

Based on one of our users, TSP allows 2 times of rebalances per month.

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