Last Updated: November 1, 2026 Reading Time: 6 min
October 2026 TSP returns flipped September's board. The F Fund, the only core fund in the red for the year going into the month, led October at +2.47%. The I Fund fell -2.89%, the worst core-fund month, and the C Fund slipped -0.87%. The G Fund added +0.46%, and the S Fund lost -0.40%.
These figures are computed by FedTools from TSP's official daily share prices (September 30 close to October 30 close; October 31 was a Saturday). TSP had not posted its own October monthly figures as of November 1. When it does, they may differ from ours by ±0.01 point from rounding. Our same method reproduces TSP's published September figures.
October 2026 TSP Returns: Core Funds
October runs from the September 30 close to the October 30 close. Year to date runs from December 31, 2025. The 12-month column runs from October 31, 2025 to October 30, 2026.
| Fund | October 2026 | YTD 2026 | 12 Months to Oct 30 | October on $100,000 |
|---|---|---|---|---|
| F Fund | +2.47% | -0.35% | +0.03% | +$2,467 |
| G Fund | +0.46% | +3.89% | +4.61% | +$460 |
| S Fund | -0.40% | +11.17% | +10.09% | -$400 |
| C Fund | -0.87% | +11.75% | +12.09% | -$872 |
| I Fund | -2.89% | +13.09% | +17.01% | -$2,886 |
Computed by FedTools from TSP's official daily share prices (tsp.gov share price history, retrieved November 1, 2026).
In September the F Fund lost 2.59% and the I Fund lost 2.30%. In October they finished at opposite ends of the board.
October 2026 TSP Returns: L Funds
| Fund | October 2026 | YTD 2026 | 12 Months to Oct 30 |
|---|---|---|---|
| L Income | +0.02% | +6.06% | +6.97% |
| L 2030 | -0.45% | +8.43% | +9.55% |
| L 2035 | -0.71% | +9.24% | +10.41% |
| L 2040 | -0.82% | +9.69% | +10.89% |
| L 2045 | -0.91% | +10.08% | +11.31% |
| L 2050 | -1.01% | +10.49% | +11.76% |
| L 2055 | -1.48% | +12.17% | +13.56% |
| L 2060 | -1.48% | +12.17% | +13.56% |
| L 2065 | -1.48% | +12.17% | +13.56% |
| L 2070 | -1.48% | +12.16% | +13.55% |
| L 2075 | -1.48% | +12.16% | +13.55% |
Computed by FedTools from TSP's official daily share prices.
L Income finished flat while all three stock funds lost ground. The losses grew with each later target date, from -0.45% for L 2030 to -1.48% for L 2055 through L 2075.
The YTD Race After Ten Months
| Fund | YTD Through September | October | YTD Through October |
|---|---|---|---|
| I Fund | +16.45% | -2.89% | +13.09% |
| C Fund | +12.73% | -0.87% | +11.75% |
| S Fund | +11.62% | -0.40% | +11.17% |
| G Fund | +3.41% | +0.46% | +3.89% |
| F Fund | -2.75% | +2.47% | -0.35% |
The I Fund still leads, but its lead over the C Fund shrank from 3.72 points to 1.34 points in one month. The F Fund recovered most of its 2026 loss in October and is now within half a point of even.
The S Fund's 2026 Scoreboard: Four Red Months
| Month | S Fund Return | YTD Leader After |
|---|---|---|
| January | +2.41% | I Fund |
| February | +1.08% | I Fund |
| March | -4.58% | I Fund |
| April | +9.96% | I Fund |
| May | +4.49% | I Fund |
| June | +4.34% | S Fund |
| July | -4.12% | I Fund |
| August | +2.27% | I Fund |
| September | -3.86% | I Fund |
| October | -0.40% | I Fund |
After its March and July losses, the S Fund gained the following month. October broke that pattern with a small fourth loss. The S Fund is still up 11.17% for the year.
Monthly Winners: The F Fund Gets Its First
| Month | Monthly Winner | Return |
|---|---|---|
| January | I Fund | +5.94% |
| February | I Fund | +6.05% |
| March | G Fund | +0.34% |
| April | C Fund | +10.49% |
| May | C Fund | +5.26% |
| June | S Fund | +4.34% |
| July | G Fund | +0.39% |
| August | I Fund | +3.32% |
| September | G Fund | +0.40% |
| October | F Fund | +2.47% |
Five different funds have now won at least one month of 2026. The I Fund has won three, the G Fund three, the C Fund two, and the S Fund and F Fund one each.
What $100,000 Looks Like After Ten Months
A $100,000 balance held in one fund since December 31, 2025, computed from TSP's daily share prices:
| Fund | Value on October 30, 2026 | Change in 2026 |
|---|---|---|
| I Fund | $113,085 | +$13,085 |
| C Fund | $111,750 | +$11,750 |
| S Fund | $111,175 | +$11,175 |
| G Fund | $103,889 | +$3,889 |
| F Fund | $99,649 | -$351 |
The I Fund's 2026 lead over the G Fund on $100,000 is now $9,196, down from $13,032 at the end of September. The F Fund's loss for the year shrank from $2,750 to $351.
Model Your Own Allocation
A single month moves a 10-month total by a few points. Use the free TSP Calculator: enter your balance, contribution rate and an expected annual return to see what your account projects to at retirement. Run your numbers.
Frequently Asked Questions
What did TSP funds return in October 2026?
The F Fund gained 2.47% and the G Fund gained 0.46%. The S Fund fell 0.40%, the C Fund fell 0.87% and the I Fund fell 2.89%. L Income was essentially flat at +0.02%, and every other L Fund lost between 0.45% (L 2030) and 1.48% (L 2055 through L 2075). These are FedTools computations from TSP's official daily share prices for September 30 and October 30, 2026.
Which TSP fund is leading 2026 after October?
The I Fund leads at +13.09% year to date through October 30, ahead of the C Fund at +11.75% and the S Fund at +11.17%. The G Fund is up 3.89%. The F Fund is down 0.35%, the only core fund negative for 2026.
How did the L Funds do in October 2026?
L Income was flat at +0.02%. Every other L Fund lost ground: L 2030 fell 0.45%, L 2050 fell 1.01%, and L 2055 through L 2075 each fell 1.48%. Every L Fund is still up for 2026, from +6.06% (L Income) to +12.17% (L 2055 through L 2065).
Has TSP published its official October 2026 returns?
Not as of November 1, 2026. TSP's monthly returns file still ended at September. The figures on this page are computed by FedTools from TSP's official daily share prices, the same method that reproduces TSP's published September figures. TSP's own numbers may differ by ±0.01 point from rounding.
Should I move my TSP into the F Fund after October?
One month is a thin basis for it. The F Fund's +2.47% in October followed a -2.59% September, and it is still down 0.35% for 2026. A transfer changes what you earn from the day it settles; it does not collect a return that already happened.
Related Resources
- TSP Calculator: Project your balance at retirement from your contribution rate and an assumed annual return.
- TSP Fund Returns September 2026: The month only the G Fund gained.
- G Fund vs. F Fund: Every Year Since 1988: The long-term trade-off between the two lower-risk funds.
- TSP L Fund Lifecycle Trap: How the glide path shifts your stock and bond mix.
- Best TSP Allocation 2026: Benchmark mixes for each career stage.
Sources: TSP.gov share price history (daily prices for December 31, 2025, September 30, 2026 and October 30, 2026; October 31, 2025 for the 12-month column), TSP.gov rates of return (monthly figures through September 2026).