Q. I want to know what percentage I am paying in management fees and how they are being paid for my Thrift Savings Plan. I am invested in the C, S, and I funds. I am worried about fees eating into my profits.
A. The TSP’s expenses have been the lowest you’ll find, anywhere. In fact, they’ve been so low in recent years that they’re almost zero. In 2012, the TSP’s expense ratio was 0.027 percent (or, a multiplier of 0.00027). So, for every $1,000 you had invested during 2012, you lost 27 cents to expenses for the year. These expenses are applied against the TSP funds’ returns, day by day. A report covering the TSP’s expense ration is available at https://www.tsp.gov/investmentfunds/fundsoverview/expenseRatio.shtml.