Year¹	TSP Coach
2005	2.66%
2006	2.46%
2007	2.82%
2008	4.10%
2009	1.85%
2010	6.00%
2011	5.89%
2012	1.89%
2013	2.71%
2014	2.50%
2015	3.69%
2016	2.91%
2017	0.90%
2018	4.38%
2019	3.76%
2020	8.01%
2021	3.02%
2022	6.07%
2023	4.62%
2024	1.51%
As of:	11/22/2024

L Income	L 2025	L 2030	L 2035	L 2040	L 2045	L 2050	L 2055	L 2060	L 2065	G Fund	F Fund	C Fund	S Fund	I Fund
										0.04%	0.84%	2.16%	3.32%	2.77%
0.37%		1.48%		1.70%						0.04%	0.73%	1.56%	3.06%	2.60%
0.49%		1.90%		2.16%						0.05%	0.73%	2.68%	3.00%	2.77%
1.29%		4.72%		5.40%						0.05%	1.69%	5.82%	7.61%	7.47%
1.36%		4.78%		5.45%						0.03%	0.92%	6.16%	7.12%	7.65%
1.07%		3.91%		4.49%						0.04%	0.80%	5.32%	6.07%	6.56%
0.95%		3.38%		3.89%						0.04%	0.64%	4.41%	6.00%	5.43%
0.65%		2.30%		2.64%						0.01%	0.56%	2.91%	3.44%	4.59%
0.51%		1.68%		1.94%						0.03%	0.88%	2.35%	2.89%	3.29%
0.49%		1.61%		1.87%						0.01%	0.63%	2.28%	3.48%	2.71%
0.71%		2.36%		2.72%						0.02%	0.82%	3.78%	3.58%	4.11%
0.59%		1.96%		2.29%						0.02%	1.03%	2.84%	4.47%	3.47%
0.16%		0.50%		0.59%						0.01%	0.43%	1.09%	1.42%	1.17%
0.77%		2.34%		2.79%						0.02%	0.86%	4.24%	4.92%	3.45%
0.69%		2.06%		2.47%						0.03%	0.95%	3.56%	4.68%	3.16%
1.63%		4.54%		5.43%						0.03%	0.95%	7.18%	10.19%	7.30%
0.62%	1.21%	1.61%	1.76%	1.91%	2.05%	2.18%	2.63%	2.63%	2.63%	0.02%	0.79%	3.05%	3.29%	2.76%
1.59%	2.62%	3.79%	4.16%	4.52%	4.83%	5.13%	6.05%	6.05%	6.06%	0.07%	2.34%	6.21%	6.87%	6.42%
1.21%	1.72%	2.76%	3.04%	3.31%	3.54%	3.76%	4.39%	4.39%	4.39%	0.04%	2.35%	4.07%	6.44%	4.60%
0.36%	0.45%	0.75%	0.82%	0.88%	0.94%	1.00%	1.23%	1.23%	1.23%	0.13%	0.39%	1.51%	1.85%	0.77%
¹Life starting dates for TSP funds are August 31, 2004. TSP Coach strategy has been in use since August 2004.

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%

May 2019

May 01, 2019

Allocation Percentages for May 2019

F Fund

C Fund

100%

S Fund

I Fund

Welcome to all of our new subscribers. I'm sure some of you are reeling from your recent tax bill. I know I owed taxes this year when in the previous 10 years, I received a refund. The good news is my tax burden was less than in previous year, but I would rather not owe anything. Consider increasing your TSP (traditional plan) or starting a traditional IRA. Remember, your max contribution is $19,000, so you could see a tax benefit of $4,750 if you are in the 25% tax bracket. For IRAs you can contribute $6,000, resulting in another $1,500 in tax savings. Of course, if your are over 50, you can contribute more. I recommend you look into maximizing both of these savings programs. So now that tax season is behind us, let's look at the TSP and the month of April. For April, I saw an increase in 4.05% as I was 100% in the C Fund, despite some of the worries I posted in last month's post. Your own risk profile will dictate how much risk you are willing to take, and I thought it was important to show how my system was trending, despite my investment in the C Fund. If you are new, I should reiterate, that I never invest in the F Fund unless I have a 100% demand signal to invest in the F Fund, and I never invest in the G Fund. This is based on my risk tolerance. To gain a better understanding of how my risk compares to the Lifecycle Funds and the core funds, see the risk section which is under the "Read More" button on my performance chart. For the year, my risk is at 5.97%, whereas if I decided to invest in the S Fund 100% YTD, my risk would be 7.41%, and the Lifecycle Fund 2030 is 3.15%. So for the month of May, I'm still 100% in the C Fund, and the GDP of 3.2%, despite a government shutdown makes me confident in this allocation. Keep investing!

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
2024-11-22	26.8071	13.8108	51.0235	15.4040	58.6345	16.1249	35.5088	17.9670	17.9648	17.9624	10.6429	18.6680	19.5294	94.1871	96.2559	42.6555
2024-11-21	26.7630	13.7847	50.8402	15.3435	58.3842	16.0512	35.3363	17.8624	17.8602	17.8579	10.5814	18.6658	19.5205	93.8581	94.6413	42.4370
Daily Change	0.16%	0.19%	0.36%	0.39%	0.43%	0.46%	0.49%	0.59%	0.59%	0.59%	0.58%	0.01%	0.05%	0.35%	1.71%	0.51%
Month to Date	1.08%	1.22%	2.18%	2.37%	2.56%	2.72%	2.89%	3.49%	3.49%	3.49%	3.46%	0.26%	-0.33%	4.74%	11.13%	-1.08%
Year to Date	7.64%	8.67%	12.8%	13.65%	14.52%	15.26%	16.02%	18.82%	18.82%	18.82%	0%	3.92%	1.6%	26.66%	24.85%	6.16%
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

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

2024-11-22

26.8071

13.8108

51.0235

15.4040

58.6345

16.1249

35.5088

17.9670

17.9648

17.9624

10.6429

18.6680

19.5294

94.1871

96.2559

42.6555

2024-11-21

26.7630

13.7847

50.8402

15.3435

58.3842

16.0512

35.3363

17.8624

17.8602

17.8579

10.5814

18.6658

19.5205

93.8581

94.6413

42.4370

Daily Change

0.16%

0.19%

0.36%

0.39%

0.43%

0.46%

0.49%

0.59%

0.58%

0.01%

0.05%

0.35%

1.71%

0.51%

Month to Date

1.08%

1.22%

2.18%

2.37%

2.56%

2.72%

2.89%

3.49%

3.46%

0.26%

-0.33%

4.74%

11.13%

-1.08%

Year to Date

7.64%

8.67%

12.8%

13.65%

14.52%

15.26%

16.02%

18.82%

3.92%

1.6%

26.66%

24.85%

6.16%

Details

May 2019

Allocation Percentages for May 2019

F Fund

C Fund

S Fund

I Fund

TSP FUND QUOTES

Allocation History