Yup. Good point to remember. Not sure if it's still $250 but I'm sure it's still a tiny amount. No matter which way I go, I won't close the door completely on the G Fund.
Valid points. I'm probably 10+ years older than you so that might skew my perspective a bit towards more conservative. Also, the 4.5% is just the current July rate and I recognize can and will fluctuate m-t-m. As you note, I realize the 10 year average is much lower as it and every other bond yield was impacted by the overall low rates that have been pretty much across the board over the last decade. Like you, I have much of my portfolio in equities. I'm just not sure there's another fixed income product that provides a better risk adjusted return than the G Fund. I think the G Fund yield also rose w CD rates and similar products during the same time frame. Thanks for the input. Gives me another option to consider.
Thanks, Randy. I guess my thinking is my FERS pension and two social security benefits provide adequate inflation protection for care expenses but you're right that the G Fund can be vulnerable there.
Comments
Excellent! Good to know! Thank you.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 22, 2026
Yup. Good point to remember. Not sure if it's still $250 but I'm sure it's still a tiny amount. No matter which way I go, I won't close the door completely on the G Fund.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 22, 2026
Correction - "core" expenses not "care".
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 22, 2026
Valid points. I'm probably 10+ years older than you so that might skew my perspective a bit towards more conservative. Also, the 4.5% is just the current July rate and I recognize can and will fluctuate m-t-m. As you note, I realize the 10 year average is much lower as it and every other bond yield was impacted by the overall low rates that have been pretty much across the board over the last decade. Like you, I have much of my portfolio in equities. I'm just not sure there's another fixed income product that provides a better risk adjusted return than the G Fund. I think the G Fund yield also rose w CD rates and similar products during the same time frame. Thanks for the input. Gives me another option to consider.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 22, 2026
Hmm. I don't know. Maybe when rates are super low, there isn't enough interest to move the dial on a daily basis?
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026
Thanks, Randy. I guess my thinking is my FERS pension and two social security benefits provide adequate inflation protection for care expenses but you're right that the G Fund can be vulnerable there.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026
Thanks. We're in sync on the simplicity goal.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026
Dalhe posts some good stuff. Thanks for the link to his piece.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026
Thanks for the affirmation.
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026
I'll count that as a "yay".
Post: TSP G Fund as the only Fixed Income Investment
Link to comment from June 21, 2026