TAILIEUCHUNG - Thrift Savings Plan Fund InFormatIon 2012

The small size of the private bond market also constrains its role. One of important benefits of a developed private bond market is that it can act as an alternative funding source when corporations’ access to overseas markets is limited or in the face of a domestic bank credit crunch. The disruption in the global money and credit markets in 2008 led to a liquidity squeeze for Brazilian corporations and financial firms. However, issuance of private bonds decreased during the crisis period (see Figure 12), reflecting in part the difficulties in efficient pricing and relatively short track records for borrowers | THRIFT SAVINGS PLAN YOUR PLAN YOUR FUTURE Thrift Savings Plan Fund Information July 2012 We re glad you asked. . . . about your TSP investment options. The information in this booklet will help you decide how to invest your account. To get started first determine your approach to investing. You can manage your own account or put your money in one of the Lifecycle funds L Funds that are invested according to a professionally determined mix of the G F C S and I Funds based on various time horizons. Remember that the amount you contribute and your investment allocation are the most important factors affecting the growth of your TSP account. If you decide to invest your entire account in one of the L Funds you re done making decisions. The TSP will do the rest. If you choose your own investment mix from the G F C S and I Funds think about these points Consider both risk and return. The F Fund bonds and the C S and I Funds stocks have higher potential returns than the G Fund Government securities . But stocks and bonds also carry the risk of investment losses that the G Fund does not have. On the other hand investing entirely in the G Fund may not give you the returns you need to meet your retirement savings goal. You need to be comfortable with the amount of risk you expect to take. Your investment comfort zone should allow you to use a buy and hold strategy so that you are not chasing market returns during upswings or abandoning your investment strategy during downswings. You can reduce your overall risk by diversifying your account. The five individual TSP funds offer a broad range of investment options including Government securities bonds and domestic and foreign stocks. Generally it s best not to put all of your eggs in one basket except in the case of the L Funds which are automatically diversified. The amount of risk you can sustain largely depends upon your investment time horizon. The more time you have before you need to withdraw from your account the more .

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