New TSP Mutual Fund investing. Which fund shall I choose for large growth?

The fees are not outrageous, but they do exist

quote:

---

Fees you’ll pay
$55 annual administrative fee to ensure that use of the mutual fund window does not indirectly increase TSP administrative expenses for TSP participants who choose not to use the mutual fund window
$95 annual maintenance fee
$28.75 per-trade fee
Other fees and expenses specific to the mutual funds you choose, which you can review in each fund’s prospectus

---

Not sure why you would bother, C/S Funds are very low expense and give you broad index coverage

quote:

---

Thought diversifying would help and get more growth.

---

quote:

---

The C Fund's investment objective is to match the performance of the Standard and Poor's 500 (S&P 500) Index, a broad market index made up of stocks of 500 large to medium-sized U.S. companies.

---

quote:

---

The S Fund's investment objective is to match the performance of the Dow Jones U.S. Completion Total Stock Market Index, a broad market index made up of stocks of small-to-medium U.S. companies not included in the S&P 500 Index.

---

You are already well diversified. Granted surprised you are that heavy C, figured it would be more of an even split with S.

I think the only thing you lack is international exposure, which you could get with the I fund. However since it does not have a large China exposure, one could argue its worth.

I would probably stay the course with C/S funds imo, unless you just have a specific need that those funds do not cover

TSP mutual fund window fees are high. Get your exposure elsewhere if so desired.

Most funds dont outperform over time. Good luck picking winners. I'll just stick to C/S and index funds in IRA and taxable brokerage.

How much is advisor charging and are they putting you in high cost funds?
What is expense ratio and is there a load?

quote:

---

I think the only thing you lack is international exposure, which you could get with the I fund

---

S fund tends to beat the I for the several years I’ve watched them. The lifecycle funds tend to be heavier on I than S, but the reverse seems to be better.

If young and with plenty of time, sock it in C. Fedweek has articles about TSP millionaires. One of their often common traits is heavy on C fund. You take a kick in the balls every now and then, like 2008, but then those 25% or 32% years make up for it. Just dial it back as you approach retirement.

quote:

---

Pelosi has a TSP.

---

Considering the TSP only has 5 funds, don't think there would be anything much to learn

TSP is the 401k for federal employees