{"id":18334,"date":"2015-06-12T18:21:08","date_gmt":"2015-06-12T18:21:08","guid":{"rendered":"https:\/\/one.sightlinemg.com\/federaltimes\/uncategorized\/2015\/06\/12\/investment-costs-the-tsp-s-hidden-advantage\/"},"modified":"2026-08-08T04:45:39","modified_gmt":"2026-08-08T04:45:39","slug":"investment-costs-the-tsp-s-hidden-advantage","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/federaltimes\/management\/2015\/06\/12\/investment-costs-the-tsp-s-hidden-advantage\/","title":{"rendered":"Investment costs: The TSP&#8217;s hidden advantage"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><i>Correction: A previous version of this story misinterpreted &#8220;the high end, 0.049 percent.&#8221; A more accurate description has been added.<\/i><br\/><br\/>As a Thrift Savings Plan investor, you have access to retirement investment funds that are about as inexpensive as you&#8217;ll find anywhere. In 2014, the total cost charged to participant&#8217;s accounts ranged from 0.029 percent to 0.049 percent of account assets, depending upon the fund. Even at the high end, 0.049 percent \u2014 or about 49 cents for every $1,000 invested \u2014 is extremely low. You can invest $1 million in the TSP, in a well-diversified portfolio, for $490 per year or less. I don&#8217;t think you can do that anywhere else.<br\/><br\/>So, the TSP&#8217;s expenses are the lowest. It&#8217;s a big deal because relatively low costs translate into relatively high expected investment returns. And higher investment returns mean more money in your account later on, when you&#8217;ll need it to pay your bills. And more money to pay your bills means a higher standard of living for you, even now.<br\/><br\/><strong>More Like This: <\/strong><a href=\"http:\/\/money.federaltimes.com\/\">Read Mike Miles&#8217;s Money Matters blog<\/a><br\/><br\/>Investment expenses reduce returns. When you invest, you invest in markets, and those markets will produce a return without any special effort on your part as an investor. All you have to do is participate and you&#8217;ll receive the market&#8217;s return, less whatever you spend to participate. And that&#8217;s where investment costs raise their ugly heads.<br\/><br\/>The difference between the TSP&#8217;s cost and the cost to own the average retail mutual fund is about 1 percent. Say you put together a properly diversified portfolio, composed of the TSP&#8217;s funds. If we round the TSP&#8217;s cost up to an even 0.05 percent, or 5 cents per $1,000 invested, you will capture 99.95 percent of the market portfolio&#8217;s return. If the market portfolio produces a 10-percent return for the year, you will earn 9.995 percent.<br\/><br\/>On the other hand, if you build a similar portfolio in an individual retirement account <em>(<\/em>IRA) account, using those mutual funds that cost closer to 1 percent per year for the privilege of ownership, only 9 percent of that 10 percent market return will make it into your account. The rest \u2014 10 percent of your return \u2014 will wind up in middlemen&#8217;s pockets.<br\/><br\/>You may think that 9 percent out of 10 is not so bad. Well, think again. Earning 9 percent, instead of 10 percent, per year over 40 years will cost you about a third of your portfolio&#8217;s value. And that reduction in value will require a corresponding reduction in the income that you can depend on from that portfolio over those 40 years. Of course, your loss is someone else&#8217;s gain \u2014 which is generally true for investing. That&#8217;s why, if you&#8217;ve accumulated a large TSP balance, you will face a steady stream of salespeople urging you to move your money from the TSP into an IRA. Fall for that pitch and you&#8217;ll be lucky if it only costs you an additional 1 percent in expenses. In addition to fund expenses, that IRA can also bleed off sales commissions, service fees, advisory fees, costs and account-level administrative expenses. It&#8217;s entirely possible that you could wind up paying 2 or even 3 percent more than what you&#8217;re paying as a TSP participant.<br\/><br\/>The snake-oil sellers will tell you that it&#8217;s worth paying more to get out of the stodgy old TSP and into an account where you can make some real money. Baloney!<br\/><br\/>Don&#8217;t believe the talk. For any level of investment risk, the TSP will produce a higher expected return than any higher cost alternative. Period.<br\/><br\/>Combined with the availability of the G Fund, the TSP&#8217;s low costs make it an unbeatable place to save and manage your money for retirement income. If you want to get the most out of your TSP account, you&#8217;ll need to leave the most you can in it, for as long as you can.<br\/><br\/><em><strong>Mike Miles<\/strong> is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to fedexperts@federaltimes.com and view his blog at money.federaltimes.com.<\/em><br\/><br\/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Thrift Savings Plan costs less in fees than most other kinds of retirement vehicles.<\/p>\n","protected":false},"author":7,"featured_media":54039,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[15],"tags":[],"coauthors":[378],"class_list":["post-18334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-management"],"acf":{"subheadline":"","legacy_arc_id":"I6SBXCTNXFHYJIFFKKT655OMVM","arc_canonical_url":"\/2015\/06\/12\/investment-costs-the-tsp-s-hidden-advantage\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the 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