The funds in the federal government’s 401(k)-style retirement savings program continued their rocky 2025 performance last month, again posting mixed returns across its various offerings.
The small- and mid-size businesses of the Thrift Savings Plan’s S Fund were most profitable in July, gaining 2.53%. So far this year, the S Fund has grown 4.69%. And the common stocks of the C Fund increased 2.24% last month, bringing the fund’s 2025 gains to 8.56%.
But the international (I) fund lost 1.52% last month, reducing its 2025 returns to 16.89%. And the fixed income (F) fund ended July 0.25% in the red. So far this year, the F Fund has grown 3.76%.
The G Fund, which is made up of government-backed securities, grew by its statutorily mandated rate of 0.37% last month. Since January, the G Fund has grown 2.60%.
Each of the TSP’s lifecycle (L) funds finished July modestly in the black. The L Income Fund grew 0.50%; L 2030, 0.69%; L 2035, 0.72%; L 2040, 0.75%; L 2045, 0.78%; L 2050, 0.81%; L 2055, 0.95%: L 2060, 0.95%; L 2065, 0.95: L 2070, 0.95%; and the newly created L 2075, 0.95%.
Since January, the L Income Fund has increased 5.07%; L 2030, 7.91%; L 2035, 8.40%; L 2040, 8.88%; L 2045, 9.28%; L 2050, 9.28%; L 2055, 10.92%; L 2060, 10.92%; L 2065, 10.92%; and L 2070, 10.94%. There are no year-to-date statistics for the L 2075 Fund, as it only launched last month.
