Most Federal Workers are covered by FERS with the TSP a major part involving the TSP. The "C" Fund tracks the S&P 500. Data has been extrapolated back in time to by a few people with the chart below showing the performance by decade going back to 1800.
As the chart shows prior to the last decade (2000-2009) the S&P had three decades out of four in which it gained over 100% with the period from 1990-1999 gaining a massive 345%. My guess is none of us will ever see that type of return ever again over a decade which is an average of 34.5% per year in the "C" Fund.
Meanwhile from 2000-2009 the S&P lost 15.5% for the decade so unless you were into Market Timing many people saw their TSP Retirement Accounts stagnant or even lose money. On the positive side each decade that has had a net loss since 1800 was followed by a positive gain the next decade ranging from 30% to as high as 126%. These decades are denoted by the purple boxes in the chart below. Thus one would assume the odds of having this decade ending up with a negative return are extremely low.
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