TSP Share Prices – The Historic Overview

tsp share pricesThe abbreviation of the term “TSP” stands for Thrift Saving Plans, which is an important aspect of the share price calculation. TSP share prices can be considered as a valued plan that is planned out on a daily basis. The calculation is based on the current value of an account, which is determined to. The evaluation changes since the daily share price fluctuates regularly. Thus, it also has an effect on the amount of money you have invested in each fund.

The more money you have as an investment in the shares, the more drastic the changes are. The factors that affect Share Prices or the factors necessary to calculate TSP Share Prices are as follows.

  • Dividends and Capital Gains Overview
  • Share Purchases and its Processes
  • Share Sales Procedure
  • Fair Value Pricing Method

How to Calculate the TSP Share Price

The method of the calculation is simple. After the bond and stock markets close each day, the net value of the investments divided by the total number of shares or bonds outstanding gives the share price for that particular day.

TSP Share Prices = Total Value of the Funds/ Total number of Outstanding Shares or Bonds.

Dividends and Capital Gains Overview

The earnings that are generated from TSP and such other contribution plans are not subject to taxable incomes. This is applicable under the Internal Revenue Code. The same applies for tax treatment for dividends, capital gains, tax-deferred contributions or interest when any amount of money is withdrawn from the TSP Share Plan.

Black Rock Institutional Trust Company, N.A. manages the Index funds. This ultimately influences TSP Share prices and regulates TSP Share Price History. It is to be noted that TSP Share Price fluctuations have an adverse effect on administrative expenses of TSP.

Share Purchases and its process

Purchase of shares in TSP investments is done by using contributions from agency or service contributions. Employee contributions or other sources like loan payments or transfers from different plans are also applicable. This differs based on the allocation of contribution.

The purchase process is simply calculated on the basis of percentage. If you elect to invest in a TSP fund, a particular percentage of your per period pay will be removed from your pay and instead, invested in TSP funds. The number of shares bought is obtained by dividing the contribution amount by the applied share price.

Share Sales Procedure

The share sales procedure for TSP shares is simple. The amount from each contribution source divided by share price for the fund results in the total number of sold shares. The result is always done up to four decimal places.The rate at which shares are sold depends on the current share price applicable when money is withdrawn from a TSP fund.

Fair Value Pricing Method

Usually, TSP shares or funds are also invested in I funds of foreign markets like the MSCI EAFE i.e. the Far East, Europe and Australia Index. The phenomenon to be observed is that, on some occasions, the percentage change of I funds according to TSP reports differs a lot when compared to such dependable foreign indexes. This happens when investment managers reprice the EAFE Equity Index Fund.

This fair valuation process occurs usually due to time differences. Due to external factors, if share prices change after the Eastern markets shut down, re-pricing is done to balance such problems.

Overview the Daily TSP Share Prices

The daily share prices are a very complex plan or at least very different from the other contributing plans. Thus, different factors like the fields they are invested in or are opened for an owner or applications of taxations might vary from the usual. Although it does not amass much money like coupon pays or dividends, it still helps to increase individual TSP plans as a form of security.

You can review the performance of “G”, “F”, “C”, “S”, “I”, and “L” Funds by on the basis of the daily share prices from www.tsp.gov

Monthly Return of Individual Funds (last 12 months)

MonthG FundF FundC FundS FundI Fund
Apr 20180.23%(0.73%)0.38% 0.28%2.01%
May 20180.24%0.73%2.41%4.85%(2.13%)
Jun 20180.24%(0.10%) 0.61%0.86%(1.20%)
July 20180.25%0.04%3.72%1.64%2.45%
Aug 20180.26%0.67%3.26%4.57%(1.91%)
Sep 20180.24%(0.62%)0.57%(1.76%)0.91%
Oct 20180.26%(0.78%)(6.84%)(10.06%)(7.94%)
Nov 20180.26%0.62%2.04%1.92%(0.13%)
Dec 20180.26%1.84%(9.03%)(10.70%)(4.82%)
January 20190.23%1.07%8.01%11.64%6.60%
February 20190.20%(0.06%)3.21%4.98%2.55%
March 20190.23%1.93%1.95%(1.03%)0.71%
Apr 20190.21%0.02%4.05%3.69%2.92%
May 20190.21%1.77%(6.36%)(6.99%)(4.69%)
YTD (2019)1.09%4.79%10.73%11.87%8.00%

Monthly Return of L Funds (last 12 months)

MonthL IncomeL 2020L 2030L 2040L 2050
Apr 20180.30%0.36%0.55%0.62%0.69%
May 20180.50%0.66%0.98%1.13%1.26%
Jun 20180.19%0.17%0.14% 0.13%0.12%
July 20180.79%1.12%1.91%2.21%2.48%
Aug 20180.61%0.80%1.28%1.47%1.65%
Sep 20180.21%0.22%0.23%0.22%0.21%
Oct 2018(1.40%)(2.24%)(4.60%)(5.54%)(6.35%)
Nov 20180.53%0.65%0.99%1.12%1.22%
Dec 2018(1.31%)(2.18%)(4.64%)(5.61%)(6.45%)
January 20191.83%2.53%2.53%2.53%2.53%
Febuary 20190.80%1.06%2.00%2.36%2.68%
March 20190.52%0.61%0.87%0.96%1.02%
Apr 20190.89%1.16%2.23%2.62%2.96%
May 2019(0.98%)(1.42%)(3.36%)(4.06%)(4.67%)
YTD (2019)3.09%3.96%6.65%7.71%8.61%

Question Answer on TSP Share Price

Do TSP funds pay dividends?

Although TSP Share Funds may not always generate dividends, some of them still do. Even if some of them do generate dividends, they are not handed to the TSP fund owners. This is because the dividends are again invested in TSP shares. Thus, we see that our fund has an increased value although its contribution is not apparent initially.

This is apparently because some of the funds are not invested in public stocks.

What stocks are in TSP’s Fund?

There are a variety of stocks in the portfolios of TSP Stocks or funds. There are usually five types of stand-alone stocks that are used to fund as a part of TSPs. These are –

Common Stocks fund (C), Small and mid-sized companies funds (S), International stocks (I), Government securities (G) and fixed income funds (F).

How much can you borrow TSP?

TSP can be borrowed within a specific range of loan. The minimum is accounted to be about $1000. On the other hand, the maximum range accounted to be available for loaning out is $50000. Another condition is that you need to be a federal employee eligible for pay status.

Do you pay taxes on TSP loans?

No, any sort of TSP loans is not subject to any taxable income or taxation at all. This rule is applicable to the fields of the Internal revenue Code, N.A. The tax treatment is in no way different for any TSP based interest, capital gains, dividends, and tax-differed contributions.

Does TSP loan affect credit score?

No. The TSP loan does not affect any sort of credit score. It is considered that any sort of loan from TSP does not come up on the credit report in the loan section because the increases from dividends are, when borrowed, your own money and thus, are not shown as loans. But, make sure that they are taken for a very short term.

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