Tuesday's TSP close

Most of the TSP lineup finished lower on Tuesday, July 7, with the G Fund the lone gainer. Two funds fell by more than 1%, and both are stock funds that hold companies outside the S&P 500 or outside the U.S.

Stock funds

The I Fund had the roughest day, down 1.62% to $64.1444. That is the biggest drop on the board. It still leads the year at 14.48%, but its 5-day return is now slightly negative at -0.29%.

The S Fund fell 1.31% to $116.6563. Its 5-day move is -1.1%, the weakest of the stock funds over that stretch. Year to date it sits at 14.74%, still the best in the lineup.

The C Fund held up better, slipping 0.44% to $120.7787. That lines up with its benchmark, the S&P 500, which fell 0.45%. The C Fund is up 0.87% over five days and 10.05% for the year.

Bonds and the G Fund

The F Fund dropped 0.44% to $20.9410, in step with BND at -0.40%. The 10-year Treasury yield rose 1.12% to 4.529%, roughly 5 basis points. Bond prices move opposite to yields, so a higher yield explains the pressure on the Aggregate index. The F Fund is down 0.87% over five days and up just 0.39% this year.

The G Fund gained 0.01% to $20.0316. It tracks a Treasury rate and doesn't swing with market prices. It is up 2.24% year to date.

L Funds

The L Funds are blends, so their losses follow how much stock each one holds. L Income, the most conservative, lost 0.29%. L 2030 fell 0.55%, L 2040 fell 0.72%, and L 2050 fell 0.82%. The longest-dated funds, L 2055 through L 2075, all dropped 0.96%. Their 5-day returns are still positive, between 0.11% and 0.2%.

What moved IRA index funds and ETFs

These figures are from the prior session's close, so they may not line up exactly with the TSP timing.

The Nasdaq Composite fell 1.16% to 25,818.689, the only major index to drop more than 1%. The S&P 500 slid 0.45% to 7,503.85, and the Dow lost 0.25% to 52,925.148, the mildest decline of the three.

Among ETFs, VTI (total U.S. stock market) lost 0.55%. VXUS (total international stock) fell 1.76%, matching the weakness in the TSP's I Fund. BND slipped 0.40% as yields rose.

The data doesn't say why stocks fell. The one clear driver in the numbers is the jump in the 10-year yield, which weighed on bonds. International stocks were hit hardest.

What it means for your plan

A down day with two funds off more than 1% looks sharp on a screen, but it is one session. The I and S Funds are still up more than 14% this year, and the C Fund is above 10%. Most L Fund investors saw losses under 1%.

Long-term plans are built over years of contributions and market cycles, not single sessions. If your allocation still fits your timeline and comfort with risk, a day like this rarely calls for any change. Check in on your plan on a schedule, not after a red headline.

This recap is general information, not personal advice.