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Browse past allocations and updates anytime.

Allocation history

OUR SERVICE

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 values illustration

Manage your TSP with a simple, once-a-month plan

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 21 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.

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SUBSCRIPTION

Simple pricing — monthly or yearly access to the allocation page.

Monthly
$7
per month
Subscribe monthly
Best value
Yearly
$60
per year
Subscribe yearly

By subscribing through PayPal or Square you receive a username and password by email for the monthly allocation page. Plans match the Subscribe section below ($7 monthly / $60 yearly).

PERFORMANCE

Simple, 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.

14.01%
Annualized
since inception
1,672.8%
Life return
total since 2004
74.9%
5 years
total return
60.4%
3 years
total return

Once a month 21+ years From $7/mo As of Jul 31, 2026

Annualized vs core TSP funds — same “Annualized” row as the full table (each series from its own first available price).

TSP Coach 14.01% vs C Fund 11.23% (+2.78 percentage points)

14.01%
TSP Coach
11.23%
C Fund
10.61%
S Fund
7.48%
I Fund
2.99%
G Fund

Lifecycle funds appear in the full table below. Their annualized rates are not comparable across different inception dates (newer L funds can show high or low rates on short histories). Prefer the Life return KPI and Life row for the long TSP Coach story (since 2004).

TSP Coach vs TSP Funds & Lifecycle Funds Scroll right for all columns · Year + TSP Coach stay left

Multi-year and calendar-year returns next to every Lifecycle fund and G, F, C, S, and I. Life is total growth over each series’ available history (TSP Coach from 2004); Annualized is the compounded yearly rate over that same history—so newer L funds are not equivalent long-term benchmarks.

Swipe sideways for L funds and G / F / C / S / I · Year + TSP Coach stay fixed on the left

Year1 TSP Coach
Life 1672.82%
20 Years 1131.10%
15 Years 615.40%
10 Years 277.76%
5 Years 74.86%
3 Years 60.42%
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 13.28%
2025 18.36%
2026 20.212%
Annualized 14.01%
As of: 07/31/2026
L Income L 2030 L 2035 L 2040 L 2045 L 2050 L 2055 L 2060 L 2065 L 2070 L 2075 G Fund F Fund C Fund S Fund I Fund
165.15% 360.56% 92.57% 430.46% 106.24% 113.01% 140.79% 140.76% 140.72% 42.67% 24.62% 90.80% 101.79% 931.68% 812.62% 386.05%
151.08% 323.53%   384.41%               75.16% 93.34% 760.22% 582.96% 226.76%
104.72% 247.93%   301.46%               46.53% 39.79% 663.60% 416.84% 208.82%
68.88% 139.00%   165.67%               33.29% 15.35% 306.29% 198.81% 161.85%
32.86% 47.84% 51.07% 53.69% 55.76% 58.08% 68.41% 68.38% 68.36%     20.78% -1.53% 81.86% 33.79% 63.32%
26.85% 43.45% 47.28% 50.44% 53.17% 55.96% 66.01% 66.01% 66.00%     14.03% 11.74% 69.99% 56.81% 63.51%
                      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% 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% -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% 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%
7.37% 11.52% 12.18% 12.85% 13.42% 14.02% 16.28% 16.28% 16.28%     4.40% 1.33% 24.96% 16.93% 4.27%
9.36% 15.17% 16.27% 17.31% 18.20% 19.07% 21.87% 21.88% 21.88% 21.89%   4.44% 7.21% 17.85% 11.38% 32.45%
5.18% 7.89% 8.93% 9.48% 9.96% 10.45% 12.36% 12.36% 12.36% 12.36% 12.36% 2.57% -0.56% 10.13% 13.52% 15.35%
4.75% 7.54% 11.37% 8.26% 12.63% 13.23% 15.54% 15.53% 15.53% 19.30% 22.49% 2.99% 3.25% 11.23% 10.61% 7.48%
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
Risk details

How we compare to other TSP allocation services

You have a number of choices when choosing a TSP allocation plan—some change many times a month, some twice a month, and some once a month. TSP Coach changes just once a month while delivering outstanding returns.

TSP Coach keeps it simple. Below we compare our track record to other fee-based TSP programs (names replaced by letters). Each starts with either $10,000 in 2005 (first full year of our program) or, if they began later, at a value equal to ours for a fair comparison. Services without a detailed public history are omitted.

Over the last 21 years, TSP Coach has proven it is the best value we can measure: many competitors cost $200+/year, change strategies often, or trade more than twice a month. Our charts show growth before and after typical subscription fees.

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Chart 1 · Growth vs other programs Before subscription fees

What you would have accumulated following TSP Coach vs other once/twice-a-month plans (no fees deducted yet).

TSP Coach growth compared to other TSP allocation programs
Explain this chart
Chart 2 · Same race, with fees After typical subscription costs

When fees are included, high-priced plans fall further behind—illustrating why low cost matters as much as returns.

TSP Coach vs other programs with subscription fees included
Explain fees chart

Optional: data behind the charts

Year-by-year comparison table (Year + TSP Coach stay left; scroll for competitors).

Year TSP Coach
Initial $10,000
2005 $11,038
2006 $13,580
2007 $14,970
2008 $13,638
2009 $15,873
2010 $19,817
2011 $19,438
2012 $24,703
2013 $33,274
2014 $37,429
2015 $37,953
2016 $39,931
2017 $47,015
2018 $50,039
2019 $64,611
2020 $88,760
2021 $104,322
2022 $88,249
2023 $107,824
2024 $122,083
CAGR 13.33%
CAGR L10Y 12.39%
CAGR L5Y 6.58%
CAGR L3Y 11.42%
As of: 01/01/2025
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 $11,038$11,038$11,665$10,414$10,755
$11,429$13,452$13,478 $12,040$13,945$13,909$11,850$12,389
$11,759$13,585$14,474$14,970$12,483$16,739$15,913$12,602$13,011
$10,892$11,343$13,121$13,942$11,009$15,533$17,339$12,785$12,668
$11,679$13,416$15,918$16,662$11,358$16,382$23,472$14,009$15,687
$12,405$16,003$17,973$21,324$11,631$21,963$26,881$15,437$19,174
$12,788$15,741$18,625$22,923$11,974$19,528$28,111$15,694$21,953
$13,585$17,480$17,509$25,733$13,078$23,376$27,247$16,563$25,457
$14,834$20,441$19,445$29,493$15,274$29,873$31,189$18,981$30,632
$15,248$21,313$23,605$33,101$16,604$33,273$35,511$20,493$31,327
$15,281$29,689$26,431$36,813$16,829$35,702$38,941$18,924$31,450
$15,681$31,350$27,416$37,225$17,941$37,583$40,523$19,863$34,732
$16,864$35,902$31,683$43,170$19,857$40,482$47,088$22,189$39,770
$16,326$33,526$31,370$41,891$18,945$42,068$47,893$21,982$36,644
$18,054$40,719$37,830$42,026$21,279$48,402$57,456$22,803 
$19,246$43,971 $45,272$26,076$47,317$67,068$24,971 
$20,682$50,471 $52,999$30,430$52,845$74,440$26,093 
$19,543$44,839 $36,476$41,795$53,210$66,990$24,521 
$21,681$52,207 $39,927$46,728$68,462$73,510$26,832 
$24,106$60,845 $45,440$53,057$84,522$91,988$29,393 
4.50%9.45% 6.36%8.17%10.71%11.73%5.54% 
4.66%7.44% 2.13%12.17%9.00%8.98%4.50% 
4.61%6.71% 0.07%15.27%12.30%6.52%3.31% 
7.24%10.71% 7.60%8.28%16.68%11.15%6.23% 
         
More context

Ready for once-a-month allocations with a public track record?

Start for $7/month Preview allocations

HOW IT WORKS

We have developed a simple, yet effective, investment program that reallocates our TSP Funds at the end of each month, when necessary.

TSP COACH PROGRAM

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!

WHY ARE WE BETTER?

1. Annualized return of 14.01% 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 21 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!

SUBSCRIBE

By subscribing through PayPal or Square 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

FAQ

Answers to: Allocation Update Process, Subscription and Cancellation Policy, and much more.

FAQ

Answers to Subscriber Questions

Answers to questions I have answered over the years from subscribers.
Disclaimer: I cannot provide advice, only how I invest.

Customer Q&A

ALLOCATION HISTORY

Browse past monthly allocation posts by year. Subscribers see full percentages; guests can still explore the public archive and current post teasers.

Why once a month?

TSP limits you to five core funds and only two inter-fund transfers a month. Chasing daily noise is a poor fit. We use the Sharpe Ratio, modern portfolio ideas, and a proprietary formula—and we rebalance at most once per month.

With that simple rule set, we outperform everyone we can fairly measure—at a fraction of many newsletter prices.

View current allocations Subscribe to unlock full history

Jump to a year

TSP FUND QUOTES

Official-style share prices from our database (not live streaming). Use them for context next to the market strip above—or open a fund page for deeper history.

Scroll sideways on mobile to see all Lifecycle and core funds.

See this month’s allocation
Date L Income L 2030 L 2035 L 2040 L 2045 L 2050 L 2055 L 2060 L 2065 L 2070 L 2075 G Fund F Fund C Fund S Fund I Fund
2026-07-31 30.7572 62.6825 19.2573 74.2118 20.6242 45.8956 24.0788 24.0756 24.0723 14.2670 12.4622 20.0914 20.7644 120.6031 113.9868 64.0123
2026-07-30 30.7135 62.5106 19.1930 73.9435 20.5446 45.7066 23.9544 23.9513 23.9480 14.1934 12.3979 20.0889 20.8240 119.7571 114.4461 63.6309
Daily Change 0.14%0.27%0.34%0.36%0.39%0.41%0.52%0.52%0.52%0.52%0.52%0.01%-0.29%0.71%-0.4%0.6%
Month to Date 0000000000000000
Year to Date 5.18%7.89%8.93%9.48%9.96%10.45%12.36%12.36%12.36%12.36%12.36%2.57%-0.56%10.13%13.52%15.35%
Details L Income L 2030 L 2035 L 2040 L 2045 L 2050 L 2055 L 2060 L 2065 L 2070 L 2075 G Fund F Fund C Fund S Fund I Fund

CONTACT & ABOUT

Talk with us

Questions about the service, billing, or how monthly updates work? We want the product to be clearer for federal and military investors.

Send a message Subscribe · $7/mo or $60/yr Follow updates on X

About TSP Coach

TSP Coach was started by a US Navy Officer with over 29 years of investment experience. As an active duty officer, he managed squadron TSP enrollment when it was first implemented in 2003 and is committed to ensuring federal workers have the knowledge to make strong Thrift Savings Plan decisions. He holds an undergraduate degree in Systems Engineering and an MBA from Columbia University.

With retirement rules evolving, maximizing TSP returns matters more than ever. We publish a simple, once-a-month approach at a low subscription price—so you can follow the same discipline we use with our own accounts.

Two additional board members bring CFO and executive experience across industries. We have validated the model through research and a long public track record. We hope you benefit from seeing how we invest our hard-earned money.

TSP Coach