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:	03/28/2025

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%

June 2022

May 26, 2022

Allocation Percentages for June 2022

F Fund

C Fund

100%

S Fund

I Fund

As I hope all of my readers know, this post is occurring early due to the major changes about to occur with the TSP. The most significant will be the mutual fund window, an option that gives everyone the opportunity to invest in ~5,000 mutual funds. Unfortunately there are additional fees with this service. They are:

$55 annual fee to ensure that use of the mutual fund window does not indirectly increase TSP administrative expenses for TSP participants who choose not to use the mutual fund window
$95 annual maintenance fee
$28.75 per trade fee
Other fees and expenses specific to chosen mutual funds

There are other restrictions as well that you need to be familiar with. Although this is a significant change to the TSP, we will not be changing our proven methods or models. We will remain with the 5 standard TSP Funds (well, 4 actually, as we will not invest in the G Fund). If you are interested in mutual funds, I would suggest you check out My Funds Coach at www.myfundscoach.com.

This month, or partial month, has seen significant conversations about the market being a Bear Market and the US being in a recession. Both of these metrics are lagging indicators, and as I mentioned last month, by the time a recession is declared, you are already probably on the way out. We have not had one declared yet, so we are still probably on the way down. The same is true for a Bear Market, defined as a decline of 20% over a period of a few months. We are at -16.81% for the C Fund YTD, so while not a Bear Market, the pain is still there. I think the counter to this current Bear Market is the inflationary pressures driving investors to still view stocks as more attractive than bonds.

I am pretty Bearish on the market, and I'm pretty sour on the economy and inflation, but I don't believe I have any other good options at this point with the Federal Reserve having kept interest rates so low for so long. We should be seeing the F Fund with at least 8-10% annualized with our current inflation numbers.

Until the Fed raises rates even more, stocks will remain as a viable option, especially when some stocks are trading at a discount. Short-term, I think we will continue to see some very rough days. Longer-term (6-9 months) I think we will see a recovery that will outpace the F Fund. This is important to note. Switching to the F Fund (or the G Fund) would prevent participation in any of the C Fund recovery. I am going to ride out the lows, keep investing, and even increase my investment percentage during this period, and benefit from lower prices while I can.

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
2025-03-28	26.8594	13.8120	50.1902	15.1042	57.3059	15.7146	34.5059	17.2790	17.2769	17.2747	10.2384	18.9577	19.9738	88.4507	82.3925	44.2564
2025-03-27	26.9686	13.8746	50.6826	15.2667	57.9789	15.9125	34.9707	17.5702	17.5680	17.5657	10.4107	18.9555	19.8635	90.2289	84.2106	44.7319
Daily Change	-0.4%	-0.45%	-0.97%	-1.06%	-1.16%	-1.24%	-1.33%	-1.66%	-1.66%	-1.66%	-1.66%	0.01%	0.56%	-1.97%	-2.16%	-1.06%
Month to Date	-0.82%	-0.94%	-2.24%	-2.49%	-2.74%	-2.95%	-3.16%	-3.86%	-3.86%	-3.86%	-3.86%	0.33%	-0.18%	-6.17%	-7.59%	0.96%
Year to Date	0.44%	0.37%	-0.51%	-0.66%	-0.83%	-0.97%	-1.12%	-1.73%	-1.73%	-1.73%	-1.72%	1.09%	2.54%	-4.82%	-8.61%	5.63%
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

2025-03-28

26.8594

13.8120

50.1902

15.1042

57.3059

15.7146

34.5059

17.2790

17.2769

17.2747

10.2384

18.9577

19.9738

88.4507

82.3925

44.2564

2025-03-27

26.9686

13.8746

50.6826

15.2667

57.9789

15.9125

34.9707

17.5702

17.5680

17.5657

10.4107

18.9555

19.8635

90.2289

84.2106

44.7319

Daily Change

-0.4%

-0.45%

-0.97%

-1.06%

-1.16%

-1.24%

-1.33%

-1.66%

0.01%

0.56%

-1.97%

-2.16%

-1.06%

Month to Date

-0.82%

-0.94%

-2.24%

-2.49%

-2.74%

-2.95%

-3.16%

-3.86%

0.33%

-0.18%

-6.17%

-7.59%

0.96%

Year to Date

0.44%

0.37%

-0.51%

-0.66%

-0.83%

-0.97%

-1.12%

-1.73%

-1.72%

1.09%

2.54%

-4.82%

-8.61%

5.63%

Details

June 2022

Allocation Percentages for June 2022

F Fund

C Fund

S Fund

I Fund

TSP FUND QUOTES

Allocation History