TSPVectorsLogoColorFull3

iVector 2040

A TSP model for withdrawals around 2040

Planning to start using your TSP savings between 2038 and 2042? Explore this model’s fund percentages and compare them with your current investments.
iVector 2040 uses index-based investment research to build a mix of TSP funds. It’s designed for portfolio reviews once or twice a year.
Compare to aVector 2040
View Methodology
  • Published monthly
  • High Growth profile
  • More passive approach
Finding this Vector helpful?

Portfolio Snapshot

  • Target Date
2040
  • Birth Years

1975 - 1979

  • TSP Withdrawal Years

2038 - 2042

  • Model Type

Index only

  • Suggested Review

Once or twice per year

  • Your target date is when you expect to begin using your TSP savings, not necessarily when you retire from work or military service.

Your reference for TSP fund percentages

Here’s how the current iVector 2040 model is divided among the TSP funds. The percentages add up to 100%.

43%

C Fund

5%

S Fund

27%

I Fund

6%

F Fund

19%

G Fund

43%
27%
6%
19%
High Growth:
Strong equity emphasis with a smaller defensive allocation.

Allocations as of October 25, 2026. Current models are published monthly. A new publication doesn't always mean the percentages have changed.

Fund
Alloc
Role

Description

  • C Fund

43%

U.S. Large Cap
Core domestic equity exposure
  • S Fund

5%

U.S. Small & Mid Cap
Complements the C Fund with smaller companies
  • I Fund

27%

International Stocks
Adds global diversification outside the U.S.
  • F Fund

6%

U.S. Bonds
Helps stabilize the portfolio and reduce volatility
  • G Fund

19%

Government Securities
Provides stability and capital preservation within the portfolio

Compare them. Use them as a starting point. Or follow the model.

You can compare these percentages with your current TSP investments or use them as a reference when considering your own mix. If you decide to follow this model, you make the account changes yourself.

  • 1. Review the fund mix

    Consider whether the allocations fit your timeline, comfort with risk, and other retirement resources. A matching year alone doesn't tell you whether a model is right for you.

  • 2. Make any changes through your TSP plan

    If you choose to follow the model, sign in through the official TSP website and use the published fund percentages. Check the current TSP instructions for the changes you want to make.

  • 3. Check your choices

    Before submitting, confirm that your percentages total 100% and that you're changing what you intend: your existing balance, future contributions, or both.

  • TSPvectors never connects to your account or makes changes for you. Changing how future contributions are invested does not necessarily change how your existing balance is invested.
Go to TSP.gov

Check back periodically

iVectors is designed for portfolio reviews once or twice a year. Current models are published monthly, but that does not mean you need to change your allocation every month.

Compare the latest percentages with your current allocation and consider whether your needs have changed. A meaningful model update may also be a reason to take another look. Reviewing doesn’t automatically mean making a change.

Same target dates. Different fund mixes.

Compare the current TSP fund allocations of iVector 2040, aVector 2040, and the TSP L 2040 Fund. Their different approaches can lead to different fund percentages, risks, and returns.

Each portfolio uses a different methodology and glide path, which results in different allocations across the TSP funds. These differences can affect risk and return.

*TSP Lifecycle Fund allocation as of October 2026
Extracted from: https://www.tsp.gov/l-2040/

How performance compares

See the published year-to-date returns alongside a hypothetical growth of $10,000.

iVector 2040

10.19%

YTD Return
(as of October 25, 2026)
aVector 2040

10.43%

YTD Return
(as of October 25, 2026)
L 2040

9.82%

YTD Return
(as of October 25, 2026)
$10,000 invested on December 31, 2025. Growth reflects monthly returns through October 25, 2026

The hypothetical growth illustration is not an actual TSP account. Your results may differ because of contributions, withdrawals, and when you make changes. Past performance does not guarantee future results.

The research behind the percentages

iVectors studies index-based target date funds from established investment companies. Selected fund families help shape the model, which uses only TSP funds.

The models run twice weekly, results are reviewed regularly, and current allocations are published monthly.

Learn More About iVectors
Explore the Methodology

Want to compare another timeline or approach?

Explore nearby target dates to see how the fund mix changes, or compare the more adaptive aVector for the same year.

iVector 2035

More defensive allocations
View iVector 2035

aVector 2040

Same target date
A more adaptive approach
View aVector 2040

iVector 2045

Greater equity exposure
View iVector 2045

TSPvectors is an independent educational and informational resource. It is not affiliated with, endorsed by, sponsored by, or associated with the Federal Retirement Thrift Investment Board.

Read full disclosures

Have a question, suggestion, or feedback about TSPvectors? I’d be happy to hear from you.

Contact me