TSP vs. 401(k) plan/fee structure

[RadDoc6876]

Ran across this from a while back--may be of interest to anyone with access to the federal Thrift Savings Plan (current/former military and/or VA docs).  The footnotes at the end are pretty interesting as well:

https://www.ici.org/pdf/ppr_tsp.pdf

 

[spiritrider]

While I agree with the sentiment of the document and is true for the vast majority of 401k plans, it is no longer true for all plans.

TSP consts have increased recently to all-in expense ratios of 0.042%. There are 401k plans (usually mega-corps) with institutional class index funds with expense ratios <= 0.03%. Also, while the G Fund has characteristics not available for any other bond fund, there are principal protected stable value funds in some 401k plans that have consistently had returns >= the G fund.

[ENT Doc]

spiritrider wrote:

While I agree with the sentiment of the document and is true for the vast majority of 401k plans, it is no longer true for all plans.

TSP consts have increased recently to all-in expense ratios of 0.042%. There are 401k plans (usually mega-corps) with institutional class index funds with expense ratios <= 0.03%. Also, while the G Fund has characteristics not available for any other bond fund, there are principal protected stable value funds in some 401k plans that have consistently had returns >= the G fund.

Click to expand...

Thought the expense ratios were 0.038%.  There was a lot of chatter when this went up from <0.03% this past year.

https://www.tsp.gov/PDF/formspubs/high17b.pdf

 

[The White Coat Investor]

4 basis points! That does it, I'm out of here.

The TSP is great. While I suppose you can argue that it might not be the very best 401(k) in the country, it's got to be in the top 1%.

[StarTrekDoc]

No way I'm touching my TSP account.  Wish I could continue contributing, but alas, UC system loves Fidelity.