Bottom Line Up Front: Provide a forum to disseminate my simple, financially sound, reallocation of the Thrift Savings Plan Funds at the lowest possible cost to the customer while generating excess Alpha over other allocation methods.
TSP Coach is dedicated to ensuring military, civilian and retired members of the US Government have the best information when making TSP investment allocation decisions. My investment strategy has over 10 years of proven success, and now you can follow along as I change my allocations no more than once a month. My service is perfect for the investor that wants to maximize their return without high fees, complex newsletters, market timing, or other fancy strategies that rely on the 'intuition' of the plan manager. I already calculate my allocation percentages every month, and I want to share my success with you.
SUBSCRIBESimple, once a month, changes to our allocation and TSP Fund investment percentages have achieved returns far exceeding the buy and hold method. Additionally, our program outperforms all of the other respectable TSP newsletter services at a much lower cost.
Year1 | TSP Coach |
---|---|
Life | 1210.11% |
15 Years | 667.55% |
10 Years | 200.59% |
5 Years | 103.55% |
3 Years | 22.32% |
2005 | 10.98% |
2006 | 23.57% |
2007 | 10.68% |
2008 | -8.50% |
2009 | 16.83% |
2010 | 25.23% |
2011 | -1.61% |
2012 | 27.39% |
2013 | 34.94% |
2014 | 12.67% |
2015 | 1.56% |
2016 | 5.37% |
2017 | 17.89% |
2018 | -6.56% |
2019 | 29.24% |
2020 | 37.47% |
2021 | 17.60% |
2022 | -15.35% |
2023 | 22.25% |
2024 | 16.812% |
Annualized | 13.59% |
As of: | 11/05/2024 |
L Income | L 2025 | L 2030 | L 2035 | L 2040 | L 2045 | L 2050 | L 2055 | L 2060 | L 2065 | L 2070 | G Fund | F Fund | C Fund | S Fund | I Fund |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
129.66% | 37.15% | 270.40% | 52.05% | 313.30% | 58.88% | 62.24% | 76.28% | 76.26% | 76.24% | 4.44% | 76.92% | 90.78% | 679.76% | 609.32% | 232.45% |
95.24% |   | 242.32% |   | 290.64% |   |   |   |   |   |   | 42.68% | 47.23% | 638.62% | 486.16% | 148.16% |
53.50% |   | 104.76% |   | 121.05% |   |   |   |   |   |   | 27.88% | 18.02% | 243.80% | 149.78% | 75.70% |
27.34% |   | 49.11% |   | 55.93% |   |   |   |   |   |   | 14.28% | -0.42% | 103.91% | 65.72% | 38.97% |
13.62% | 12.06% | 15.66% | 15.78% | 15.96% | 15.97% | 16.13% | 18.00% | 17.99% | 17.97% |   | 11.58% | -5.92% | 29.90% | -1.45% | 9.26% |
  |   |   |   |   |   |   |   |   |   |   | 4.49% | 2.40% | 4.96% | 10.45% | 13.63% |
7.59% |   | 15.00% |   | 16.53% |   |   |   |   |   |   | 4.93% | 4.40% | 15.79% | 15.30% | 26.32% |
5.56% |   | 7.14% |   | 7.36% |   |   |   |   |   |   | 4.87% | 7.09% | 5.54% | 5.49% | 11.43% |
-5.09% |   | -27.50% |   | -31.53% |   |   |   |   |   |   | 3.75% | 5.45% | -36.99% | -38.32% | -42.43% |
8.57% |   | 22.48% |   | 25.19% |   |   |   |   |   |   | 2.97% | 5.99% | 26.68% | 34.85% | 30.04% |
5.74% |   | 12.48% |   | 13.89% |   |   |   |   |   |   | 2.81% | 6.71% | 15.06% | 29.06% | 7.94% |
2.23% |   | -0.31% |   | -0.96% |   |   |   |   |   |   | 2.45% | 7.89% | 2.11% | -3.38% | -11.81% |
4.77% |   | 12.61% |   | 14.27% |   |   |   |   |   |   | 1.47% | 4.29% | 16.07% | 18.57% | 18.62% |
6.97% |   | 20.16% |   | 23.23% |   |   |   |   |   |   | 1.89% | -1.68% | 32.45% | 38.35% | 22.13% |
3.77% |   | 5.74% |   | 6.22% |   |   |   |   |   |   | 2.31% | 6.73% | 13.78% | 7.80% | -5.27% |
1.85% |   | 1.04% |   | 0.73% |   |   |   |   |   |   | 2.04% | 0.91% | 1.46% | -2.92% | -0.51% |
3.58% |   | 7.07% |   | 7.90% |   |   |   |   |   |   | 1.82% | 2.91% | 12.01% | 16.35% | 2.10% |
6.19% |   | 14.54% |   | 16.77% |   |   |   |   |   |   | 2.33% | 3.82% | 21.82% | 18.22% | 25.42% |
0.71% |   | -3.58% |   | -4.89% |   |   |   |   |   |   | 2.91% | 0.15% | -4.41% | -9.26% | -13.43% |
7.60% |   | 17.60% |   | 20.69% |   |   |   |   |   |   | 2.24% | 8.68% | 31.45% | 27.97% | 22.47% |
5.15% |   | 11.26% |   | 13.16% |   |   |   |   |   |   | 0.97% | 7.50% | 18.31% | 31.85% | 8.17% |
5.42% | 9.75% | 12.37% | 13.43% | 14.51% | 15.40% | 16.34% | 19.90% | 19.90% | 19.90% |   | 1.38% | -1.46% | 28.68% | 12.45% | 11.45% |
-2.70% | -6.72% | -10.32% | -11.65% | -12.90% | -14.03% | -15.05% | -17.60% | -17.61% | -17.62% |   | 2.98% | -12.83% | -18.13% | -26.26% | -13.94% |
8.99% | 11.25% | 15.76% | 16.91% | 18.04% | 19.03% | 20.00% | 23.31% | 23.30% | 23.31% |   | 4.22% | 5.58% | 26.25% | 25.30% | 18.38% |
6.97% | 7.91% | 11.44% | 12.18% | 12.93% | 13.56% | 14.21% | 16.58% | 16.58% | 16.58% |   | 3.71% | 2.13% | 22.58% | 14.92% | 8.97% |
4.41% | 7.53% | 7.03% | 10.11% | 7.64% | 11.23% | 11.76% | 13.92% | 13.91% | 13.91% | 16.82% | 2.87% | 3.25% | 10.71% | 10.19% | 6.13% |
1Life starting dates for TSP funds are August 31, 2004. TSP Coach strategy has been in use since August 2004. 2TSP Coach returns as of 31 days ago. Members can see full returns |
You have a number of choices when choosing a TSP allocation plan. There are plans that change allocations many
times in a month, there are plans that change their allocations twice a month and then there are plans that change just once a month. TSP Coach
changes allocations just once a month while returning outstanding returns.
TSP Coach Keeps It Simple
Since I have never found a decent website exploring the different TSP programs being offered, I am providing comparisons of the different TSP allocation plans below with the actual names of the companies replaced by a letter of the alphabet. They all start out with either $10,000 initial investment in 2005, which is the first full year of my program, or if they began after my program, they started with values equal to my program and then went from there in the following years. Some companies do not give a detailed history of their returns, and so therefore, I have omitted them.
The table below compares TSP Coach returns to all the major TSP allocation plans minus fees.
Many plans cost in excess of $200/year. Some competitors keep changing their strategies,
others not listed do not even provide their returns, and finally, some trade more than two
times a month.
Year | TSP Coach |
---|---|
Initial | $10,000 |
2005 | $11,002 |
2006 | $13,440 |
2007 | $14,758 |
2008 | $13,652 |
2009 | $15,894 |
2010 | $19,804 |
2011 | $19,577 |
2012 | $24,250 |
2013 | $32,748 |
2014 | $36,579 |
2015 | $37,192 |
2016 | $38,589 |
2017 | $46,277 |
2018 | $43,715 |
2019 | $56,723 |
CAGR | 12.27% |
CAGR L10Y | 11.10% |
CAGR L5Y | 8.81% |
CAGR L3Y | 7.02% |
TSP X1^ | TSP X2^ | TSP Z* | TSP V* | TSP U* | TSP T* | TSP R*^ | TSP Q | TSP P* |
---|---|---|---|---|---|---|---|---|
$10,000 | $10,000 | $10,000 |   |   |   | $10,000 | $10,000 | $10,000 |
$10,460 | $11,140 | $11,920 |   | $11,002 | $11,002 | $11,665 | $10,414 | $10,755 |
$11,429 | $13,452 | $13,478 |   | $12,000 | $13,899 | $13,909 | $11,850 | $12,389 |
$11,759 | $13,585 | $14,474 | $14,758 | $12,441 | $16,683 | $15,913 | $12,602 | $13,011 |
$10,892 | $11,343 | $13,121 | $12,044 | $10,971 | $15,480 | $17,339 | $12,785 | $12,668 |
$11,679 | $13,416 | $15,918 | $14,366 | $11,319 | $16,326 | $23,472 | $14,009 | $15,687 |
$12,405 | $16,003 | $17,973 | $18,359 | $11,589 | $21,887 | $26,881 | $15,436 | $19,174 |
$12,788 | $15,741 | $18,625 | $19,708 | $11,931 | $19,460 | $28,111 | $15,693 | $21,953 |
$13,585 | $17,480 | $17,509 | $22,096 | $13,030 | $23,294 | $27,247 | $16,563 | $25,457 |
$14,834 | $20,441 | $19,445 | $25,296 | $15,218 | $29,767 | $31,189 | $18,981 | $30,632 |
$15,248 | $21,313 | $23,605 | $28,362 | $16,542 | $33,155 | $35,511 | $20,493 | $31,327 |
$15,281 | $29,689 | $26,431 | $31,514 | $16,765 | $35,575 | $38,941 | $18,924 | $31,450 |
$15,681 | $31,350 | $27,416 | $31,837 | $17,872 | $37,449 | $40,523 | $19,863 | $34,732 |
$16,864 | $35,902 | $31,683 | $36,894 | $19,780 | $40,337 | $47,088 | $22,189 | $39,770 |
$16,326 | $33,526 | $31,370 | $35,771 | $18,871 | $41,916 | $47,893 | $21,982 | $36,644 |
$18,054 | $40,718 | $37,830 | $35,858 | $21,195 | $48,226 | $57,456 | $22,803 | $46,919 |
4.02% | 9.81% | 9.28% | 7.07% | 4.47% | 10.35% | 12.36% | 5.65% | 10.86% |
3.82% | 9.79% | 7.73% | 6.92% | 6.22% | 8.22% | 7.89% | 3.98% | 9.36% |
3.39% | 6.52% | 7.43% | 2.62% | 4.80% | 6.27% | 8.09% | 3.80% | 8.33% |
2.30% | 4.29% | 6.09% | -0.95% | 2.33% | 6.14% | 6.86% | 0.91% | 5.67% |
We have developed a simple, yet effective, investment program that reallocates our TSP Funds at the end of each month, when necessary.
Start managing your TSP account the way the experts do. We have adapted our program for the true purpose of
the TSP Program, a vehicle for long term investment.
The returns with our program are significantly higher than the fixed
allocation buy and hold strategies employed by the Lifestyle Funds available through TSP,
and our performance outperforms many other TSP subscription services with much lower subscription fees, no emergency, mid-month or large numbers of
TSP allocation changes, just proven returns with end of month TSP Fund allocation and account rebalancing.
We have maximized our returns while
minimizing our risk in a repeatable, consistent manner. Don't delay, subscribe today!
1. Annualized return of 13.59% since its inception in 2004.
2. Simple TSP allocation strategy changes allocations and monthly fund percentages once a month-perfect for all investors.
One allocation change, once a month, at the end of the month, is all I do.
3. Strategy
has not changed in over 20 years.
4. Methodology is rooted in
investment research spanning over five decades. I utilize the Sharpe Ratio
with my own proprietary formula to arrive at my allocation percentages.
5. Most affordable
TSP newsletter around!
By subscribing through PayPal to our information service, you will receive a username and a password via email that will give
you access to our monthly allocation page.
The allocation page will be updated at the end of the last trading day of each month. We will make
an announcement on Twitter @TSPCoach when our allocation page has been updated.
Subscription Prices:
Monthly $7
Yearly $60
Answers to: Allocation Update Process, Subscription and Cancellation Policy, and much more.
Answers to questions I have answered over the years from subscrbers
Disclaimer: I cannot provide advice, only how I invest.
TSP Coach uses the Sharpe Ratio, Modern Portfolio Theory, and a proprietary formula to calculate
our allocation percentages. Since the Thrift Savings Plan limits investors to just five funds and only two inter-fund transfers
a month, it really is not appropriate, at least in our minds, to make allocation decisions based on market timing or overly complex analysis
of daily market swings. With these factors in mind, we decided to implement a simple allocation strategy which calculates TSP Fund allocation
percentages once a month.
With our simple allocation strategy, We Outperform Everyone.
Date | L Income | L 2025 | L 2030 | L 2035 | L 2040 | L 2045 | L 2050 | L 2055 | L 2060 | L 2065 | L 2070 | G Fund | F Fund | C Fund | S Fund | I Fund |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2024-11-05 | 26.6404 | 13.7150 | 50.4115 | 15.2052 | 57.8211 | 15.8877 | 34.9560 | 17.6279 | 17.6258 | 17.6236 | 10.4440 | 18.6298 | 19.6311 | 91.1543 | 88.5945 | 43.7839 |
2024-11-04 | 26.5547 | 13.6643 | 50.0540 | 15.0870 | 57.3332 | 15.7445 | 34.6212 | 17.4263 | 17.4242 | 17.4220 | 10.3247 | 18.6276 | 19.5992 | 90.0493 | 87.0715 | 43.4109 |
Daily Change | 0.32% | 0.37% | 0.71% | 0.78% | 0.85% | 0.91% | 0.97% | 1.16% | 1.16% | 1.16% | 1.16% | 0.01% | 0.16% | 1.23% | 1.75% | 0.86% |
Month to Date | 0.45% | 0.52% | 0.96% | 1.05% | 1.13% | 1.21% | 1.28% | 1.53% | 1.53% | 1.53% | 1.53% | 0.06% | 0.19% | 1.36% | 2.29% | 1.54% |
Year to Date | 6.97% | 7.91% | 11.44% | 12.18% | 12.93% | 13.56% | 14.21% | 16.58% | 16.58% | 16.58% | 0% | 3.71% | 2.13% | 22.58% | 14.92% | 8.97% |
Details | L Income | L 2025 | L 2030 | L 2035 | L 2040 | L 2045 | L 2050 | L 2055 | L 2060 | L 2065 | L 2070 | G Fund | F Fund | C Fund | S Fund | I Fund |
We welcome any comments or questions about our service and how we can make it better.
TSP Coach was started by a US Navy Officer with over 27 years of investment experience. As an active duty officer, he managed the
squadron TSP enrollment when it was first implemented in 2003 and is committed to ensuring all Federal workers have the knowledge
necessary to make the best financial decisions when investing in the Thrift Savings Plan. He holds an undergraduate degree in
Systems Engineering and received his MBA from Columbia University. His desire to educate military and civilian members about
the Thrift Savings Plan and his entrepreneurial spirit were the driving motivators for creating this website. With dramatic new retirement changes, maximizing returns on the Thrift Savings Plan are more important than ever,
and we are committed to ensuring that investors in this retirement plan have the best information possible, at the lowest possible price.
TSP Coach has two
other board members that bring a wealth of experience in the financial industry serving as CFO's and Presidents in several different
companies.
We have validated our investment model through exacting research and proven results. We hope you can benefit from seeing how
we invest our hard earned money.