How to Read Your Annual TSP Participant Statement for Regular Participants

Thrift Savings Plan

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Name

Address Line 1

Address Line 2

City, State Zip Code

Your 20YY

Annual

Statement

Account Number:

1234 5678 91011

Date of Birth:

Retirement Coverage:

Employment Status:

Service Required for Vesting:

Legal Residence:

Will you be ready

for retirement?

Your 12/31/20YY account

balance would provide

you a lifetime TSP

monthly amount of

$1,263*

*This estimate assumes:

• Age 62, or your current age if you are older

• A single life annuity, with level payments and no

additional features

• An annuity interest rate index of x.xxx%

Think of the amount in your account

as a source of monthly income in your

retirement years rather than as a single

sum of money. If your account balance

were twice your current balance, your

lifetime monthly amount would be twice

the amount shown above, and so on.

Use the How Much Will My Savings

Grow? calculator on the TSP website to

estimate how your account might grow

over time.

Your 5-Year Account Balance History

Questions? Visit www.tsp.gov

ThriftLine: 1-TSP-YOU-FRST (1-877-968-3778)

Outside the U.S. and Canada: 404-233-4400

TDD: 1-TSP-THRIFT5 (1-877-847-4385)

To correct any of your personal information, contact your agency.

Keep

your

account

secure —

review

your

account

prole.

Custom ID Created: mm/dd/yyyy

Web Password Date: mm/dd/yyyy

Web Access: Blocked

ThriftLine PIN Date: mm/dd/yyyy

ThriftLine Access: Blocked

Quarterly Statements: Electronic

Annual Statements: Mailed

Account Hold: Yes

Power of Attorney or Guardianship/

Conservatorship: On File

How your account value changed in 20YY

Traditional Roth Total

Value on January 1, 20YY

A summary of the activity in your

account for the year. If you have

only one type of balance, you will

see only one column of numbers.

Change in value this year

Value on December 31, 20YY

Your vested account balance is

$xx,xxx,xxx.xx

You are always vested in (entitled to keep) your own contributions and your Agency Matching

Contributions. However, you must meet time-in-service requirements to be entitled to keep

your Agency Automatic (1%) Contributions. (See your own vesting requirement in the blue

Account Number box to the right.)

Non-vested, active FERS employees only

In this section, you can compare your annual

account balances for the statement year and

up to four preceding years.

Check to see

if this informa-

tion is correct.

}

➤

Uniformed service members only

➤

100

150

200

$250

20YY20YY20YY20YY20YY

Dollars ($) in Thousands

This information depends on your employment status

and may be different on your statement.

➤

A Summary of Your Account Activity in 20YY

Traditional Roth Total

Beginning Balance as of January 1, 20YY $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx .. ..

Contributions

You may not see all of these types of transactions on your

own statement.

“Transfers/Rollovers” are money coming into your TSP

account from an eligible retirement plan, or from a TSP-

to-TSP transfer when you combine uniformed service and

civilian TSP accounts. Transfers out of the TSP are shown

as “Post-Separation Withdrawals.”

“Adjustments” reect the net amount of reversals of certain

transactions (which are detailed on quarterly statements).

“Redesignations” refer to contributions that have been re-

moved from your traditional balance and put in your Roth

balance, and vice versa, to correct agency or service contri-

bution submission errors.

Visit www.tsp.gov for denitions of other terms. . .. .. .. .. ..

Transfers/Rollovers

Loan Disbursements

Loan Payments

Loan Overpayment Refunds

In-Service Withdrawals

Forfeitures

Death Benet Payment

Court Order Payments

Excess Deferrals

Adjustments

Redesignations

Required Minimum Distribution

Investment Gain/Loss

Post-Separation Withdrawals

Ending Balance as of December 31, 20YY $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

JANE G. DOE

Account Number: 1234 5678 91011 Page 2 of 4

The Federal Retirement Thrift Investment Board submits an annual report to Congress each

year on the operations of the Thrift Savings Plan, including participant demographics and contri-

bution information. To read the report, visit www.frtib.gov, or scan the code to the right.

Your Lifetime TSP Contributions

Traditional Tax-Exempt Roth Catch-Up Total

$xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

Contributions to Your Account in 20YY (Without Adjustments)

Employee Contributions

Traditional Tax-Exempt Roth

Agency Contributions

Automatic 1% Matching

Transfers/Rollovers Into the TSP

Traditional Roth Total

$xx,xxx.xx $xx,xxx.xx $xx,xxx.xx $xx,xxx.xx $xx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

This section reects your

contributions from all

periods of service.

If you have at least $20,000 in your account, this

space will show you the estimated TSP monthly

annuity amount you could expect to receive in retire-

ment until the end of your life, using your end-of-year

account balance.

To estimate what your account balance would

actually be when you are ready to withdraw your

account in retirement, use the How Much Will My

Savings Grow? calculator on the TSP website.

Check this section carefully. It shows all the informa-

tion we have for you in your account prole. If you

think there are errors in any of this information, call

the ThriftLine and speak to a Participant Service

Representative.

A summary of the transactions that added money to

or deducted money from your account during the

statement year. (Your quarterly statements show the

dates and specic nature of each transaction.)

If you have only one type of balance (traditional or

Roth), you will only see one column of numbers in

this section. A traditional (pre-tax) balance includes

all employee contributions (regular and tax-exempt)

that you elected as “traditional,” all agency contribu-

tions, and any traditional money you transferred into

the plan. A Roth (after-tax) balance includes employee

contributions you elected as Roth and any Roth

money you transferred into the plan.

A summary of all contributions made to your account

during the statement year by type of contribution. You

will see only the contribution types that relate to your

account. The activity reected here is the complete

summary of what is shown on your four quarterly

statements for the year. Employee contributions in-

clude catch-up, makeup, and late contributions.

This space shows your gross cumulative employee

contributions, by type, since you began participating

in the TSP.

For FERS only, vesting pertains to Agency Automatic

(1%) Contributions.

➤

Annual TSP Participant Statement

HOW TO READ YOUR

➤

JANE G. DOE

Account Number: 1234 5678 91011 Page 3 of 4

Your Account Distribution on 12/31/20YY

 FundsforDiversied

Growth and Stability Funds for Stability Funds for Long-Term Growth

L 2050 Fund ........... 20%

L 2040 Fund ............ 0%

L 2030 Fund ............ 0%

L 2020 Fund ............ 0%

L Income Fund .......... 0%

G Fund — Government Securities

Investment Fund ..........25%

C Fund — Common Stock Index

Investment Fund ..........10%

F Fund — Fixed Income Index

Investment Fund ..........25%

S Fund — Small Capitalization Stock

Index Investment Fund .....10%

I Fund — International Stock Index

Investment Fund ..........10%

Your Investment Allocation for Future Contributions

 FundsforDiversied

Growth and Stability Funds for Stability Funds for Long-Term Growth

L 2050 Fund ............ 0%

L 2040 Fund .......... 100%

L 2030 Fund ............ 0%

L 2020 Fund ............ 0%

L Income Fund .......... 0%

G Fund — Government Securities

Investment Fund ...........0%

C Fund — Common Stock Index

Investment Fund ...........0%

F Fund — Fixed Income Index

Investment Fund ...........0%

S Fund — Small Capitalization Stock

Index Investment Fund ......0%

I Fund — International Stock Index

Investment Fund ...........0%

TSP Fund Performance (As of 12/31/20YY)

Lifecycle (Target Date) Funds Individual TSP Funds

2050

2040

2030

2020

Income

Fund

Your

Rates of

Return

4,5

1-Year xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx% xx.xx%

3-Year xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx

5-Year xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx xx.xx

TSP Administrative Expenses for 20YY

G Fund F Fund C Fund S Fund I Fund

Net Expense Ratio

Cost Per $1,000 in Your Account

Includes an Automatic Enrollment Refund if one was requested during the statement period

Adjustments reect the net amount of corrections (i.e., reversals) of any transactions shown in this section (see your Quarterly Participant Statement).

Includes catch-up, makeup, and late contributions

Your personal rates of return are calculated with a time-weighted formula, widely used by nancial analysts to calculate investment earnings. They reect

the results of your investment selections as well as activity in your account. There are other personal rate of return formulas used that may yield different

results. Remember that past performance is no guarantee of future results.

Your personal rates of return could not all be calculated because you did not have an account balance for all of the periods.

Principal repaid includes correction to any loan disbursements or loan payments.

JANE G. DOE

Account Number: 1234 5678 91011 Page 4 of 4

Your 20YY Loan Summary

Loan Number Loan Number Loan Number

0000001G 0000002G 0000003R

Loan Issue Date mm/dd/yyyy mm/dd/yyyy mm/dd/yyyy

Beginning Principal $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

Amount of New Loan xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Principal Repaid

xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Nontaxable Distribution xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Taxable Distribution xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Reversal of Distribution (Traditional) xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Reversal of Distribution (Roth) xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Ending Principal $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

Interest Paid xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Interest in Arrears xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Activity Summary by Fund

Fund

Beginning

Balance

Contributions

and Additions

Withdrawals

and Deductions

Interfund

Transfers

Investment

Gain/Loss

Ending

Balance

G Fund $xx,xxx,xxx.xx $xx,xxx,xxx.xx – $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

F Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

C Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

S Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

I Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

L 2050 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

L 2040 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

L 2030 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

L 2020 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

L Income Fund xx,xxx,xxx.xx xx,xxx,xxx.xx – xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx

Total $xx,xxx,xxx.xx $xx,xxx,xxx.xx – $xx,xxx,xxx.xx $0.00 $xx,xxx,xxx.xx $xx,xxx,xxx.xx

Share Summary by Fund

Fund

Beginning

Balance

Investment

Gain/Loss

Ending

Balance

Beginning Shares

Price Number

Ending Shares

Price Number

G Fund $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx.xxxx xxx,xxx.xxxx $xx.xxxx xxx,xxx.xxxx

F Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

C Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

S Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

I Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

L 2050 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

L 2040 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

L 2030 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

L 2020 Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

L Income Fund xx,xxx,xxx.xx xx,xxx,xxx.xx xx,xxx,xxx.xx xx.xxxx xxx,xxx.xxxx xx.xxxx xxx,xxx.xxxx

Total $xx,xxx,xxx.xx $xx,xxx,xxx.xx $xx,xxx,xxx.xx

This section shows the dollar amounts that went into

or were deducted from your balance in each of the

funds in which you were invested during the state-

ment year. The section also shows your annual gain

(or loss) in each of the funds, and the net effect of any

interfund transfers.

This section shows how your annual gain (or loss) in

each of your investment funds affected the number of

shares you held in each of those funds. You will see the

price of one share and the number of shares you held

in each fund at the beginning of the year, compared to

the price of one share and the number of shares you

held at the end of the year.

This section will appear on your statement only if you

had a TSP loan (or loans) during the statement year,

and you will only see those categories that apply to

your loans. If you had more than four loans during the

year, this section will show the total of the combined

loans for each loan type (i.e., general purpose or

residential), and no issue date(s) or loan number(s)

will be displayed.

The percentage of your TSP account balance that was

invested in the 10 TSP funds as of December 31 of the

statement year. The pie chart shows how your account

balance was distributed among the three fund categories.

The L Funds are target date funds that offer an optimal

mix of the G, F, C, S, and I Funds to provide the highest

expected return for a given risk level and time horizon.

This is how you have told the TSP you want to invest

all future contributions and additions to your account

(such as loan payments, transfers, and rollovers) as of

December 31 of the statement year. The pie chart shows

your allocation by fund category.

This section shows the 1-year, 3-year, and 5-year per-

formance for all 10 TSP funds, alongside your own

personal returns for those periods.

The net expense ratio is the amount that participants’

investment returns are reduced by TSP expenses.

TSP expenses include management fees for each invest-

ment fund, the cost of operating and maintaining the

TSP’s recordkeeping system; participant services; and

printing and mailing notices, statements, and publications.

Expenses are reduced by forfeitures of Agency Automatic

(1%) Contributions of FERS employees who leave Federal

service before they are vested; other forfeitures; and loan

fees.

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TSPLF23 (1/2013)

PREVIOUS EDITIONS OBSOLETE