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:	07/03/2025

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%

Numbness as a Strategy - February Allocation

February 02, 2023

Allocation Percentages for February 2023

F Fund

C Fund

S Fund

I Fund

100%

Welcome to February! I think everyone can be pleased with the performance of the markets this month. Many bears are a bit worried about the current rally and are positioned in such a manner to have margin calls should it continue. While this may seem like a win for the bulls, months with rallies like this are often followed by months of flat or negative returns. Causing further concern is a possible double dip recession. Remember, we are in a recovery from a 2-quarter recession last year. The economy is still on shaky ground as it attempts to deal with high inflation. Consumers will note that while CPI inflation has tempered somewhat, their increased consumer debt interest rates have not subsided. Higher interest coupled with the bad buying habits of 3 years of living with “free money” could potentially wreak havoc on the consumer-driven economy. Yes, inflation is low, but massive company layoffs are occurring, but for now, they remain confined to the tech sector. I’m not a bear, but it is only prudent to analyze weaknesses in systems when unforeseen inputs have been entered into the machinery.

Ironically, I think I have some good things to say about the Russo-Ukraine war when it comes to the economy and the markets. We have been living with this conflict now for 11 months. The world has had time to adjust to the impact on supply chains, the increase in energy prices, and the daily rhetoric. As a world, we are becoming numb to the conflict. Provided there are no serious spillovers into NATO, or other unforeseen escalations or impacts to supply chains, a cautious return to normal should occur. As a result of this numbness, market makers, analysts, traders, and most importantly companies, can be back to the business of running their companies and forecasting growth and demand.

As a result of the acceptance and expectation of the new reality with the impacts of the Russo-Ukraine war, the international markets still seem poised to continue to recover faster than the US markets which are still suffering from the issues I listed above. Therefore, despite the strong performance of the small caps and the S&P500, I’m still remaining 100% in the I 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
2025-06-30	27.9579	54.0610	16.3639	62.4426	17.2069	37.9654	19.3201	19.3178	19.3155	11.4479	10.0000	19.1711	20.2603	98.6743	92.0521	49.7247
2025-06-26	27.8773	53.7489	16.2611	62.0189	17.0827	37.6752	19.1450	19.1428	19.1404	11.3441	0.0000	19.1616	20.2330	97.6432	91.4042	49.3273
Daily Change	0.29%	0.58%	0.63%	0.68%	0.73%	0.77%	0.91%	0.91%	0.91%	0.92%	INF%	0.05%	0.13%	1.06%	0.71%	0.81%
Month to Date	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Year to Date	4.55%	7.17%	7.62%	8.06%	8.44%	8.79%	9.88%	9.88%	9.88%	9.9%	0%	2.22%	4.02%	6.18%	2.11%	18.69%
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