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:	07/18/2025

L Income	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%	1.61%	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%	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%	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%	0.75%	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%

April 2022

April 01, 2022

Allocation Percentages for April 2022

F Fund

C Fund

100%

S Fund

I Fund

Welcome to all of our new members! As our website continues to undergo additional upgrades, we hope to increase our service to you. If you experience any issues, please let us know!

March 2022 is in the books, and we have a fair amount to talk about. First, returns this month were actually quite decent at 3.72% for the C Fund. As I stated last month, I do not see a safe haven for the issues we are facing, but I felt the C Fund would give us the best investment considering the high inflation we are seeing. The G Fund is reflecting the increase in interest rates by the Federal Reserve but will still fall far short of the actual inflation rate. The F Fund is going to continue to suffer while inflation remains high as well. Investors will seek returns that can beat inflation and only the market has that capability. The S Fund is being impacted by inflation as well as small caps usually have a higher WACC (weighted average cost of capital) and with an increase in interest rates they will be disproportionally impacted compared to the companies in the C Fund. This is not enough to warrant a complete avoidance of the S Fund, but smaller caps are also going to be vulnerable to increases in energy and labor costs-driving me completely away from the S Fund at this time. Finally, the I Fund is off my radar for the technical issues prevalent in that market and the worldwide uncertainty due to the conflict in Ukraine.

Looking forward, we saw a very concerning event with an inverted yield curve this week. The spread between the 5-year notes and 30-year bonds inverted for the first time since March of 2006. For many of you, I don’t have to remind you of what happened just a year later. But for some of my younger readers, Bear Sterns collapsed 12 months later, followed by Lehman Brothers 6 months after that. My parents remembered where they were when JFK was shot, I remember where I was when both of these events happened. Now, an inverted yield does not mean the collapse of our banking system, but it does mean our market is out of sync with the economy, and many people think this is a harbinger of a recession in 6 to 12 months. Breaking from this thought, I think it means we are at a higher risk for a recession unless actions are taken.

With all the above in mind, I’m still comfortable remaining 100% in the C Fund. I still think there is really no good safe haven, and the C Fund, although still risky, is the most protected fund. Keep Investing!

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
2025-07-17	28.0658	54.4326	16.4835	62.9289	17.3481	38.2948	19.5325	19.5301	19.5276	11.5736	10.1096	19.2096	20.0723	100.1890	94.7571	49.6344
2025-07-16	28.0188	54.2374	16.4188	62.6609	17.2692	38.1097	19.4184	19.4160	19.4135	11.5059	10.0505	19.2073	20.0756	99.6565	93.6717	49.4016
Daily Change	0.17%	0.36%	0.39%	0.43%	0.46%	0.49%	0.59%	0.59%	0.59%	0.59%	0.59%	0.01%	-0.02%	0.53%	1.16%	0.47%
Month to Date	0.39%	0.69%	0.73%	0.78%	0.82%	0.87%	1.1%	1.1%	1.1%	1.1%	1.1%	0.2%	-0.93%	1.54%	2.94%	-0.18%
Year to Date	4.95%	7.9%	8.41%	8.9%	9.32%	9.74%	11.09%	11.09%	11.09%	11.1%	0%	2.43%	3.05%	7.81%	5.11%	18.47%
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

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

2025-07-17

28.0658

54.4326

16.4835

62.9289

17.3481

38.2948

19.5325

19.5301

19.5276

11.5736

10.1096

19.2096

20.0723

100.1890

94.7571

49.6344

2025-07-16

28.0188

54.2374

16.4188

62.6609

17.2692

38.1097

19.4184

19.4160

19.4135

11.5059

10.0505

19.2073

20.0756

99.6565

93.6717

49.4016

Daily Change

0.17%

0.36%

0.39%

0.43%

0.46%

0.49%

0.59%

0.01%

-0.02%

0.53%

1.16%

0.47%

Month to Date

0.39%

0.69%

0.73%

0.78%

0.82%

0.87%

1.1%

0.2%

-0.93%

1.54%

2.94%

-0.18%

Year to Date

4.95%

7.9%

8.41%

8.9%

9.32%

9.74%

11.09%

11.1%

2.43%

3.05%

7.81%

5.11%

18.47%

Details

April 2022

Allocation Percentages for April 2022

F Fund

C Fund

S Fund

I Fund

TSP FUND QUOTES

Allocation History