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%

Staying Put for May - May Allocation

May 01, 2023

Allocation Percentages for May 2023

F Fund

C Fund

S Fund

I Fund

100%

Welcome to May! I’m pretty happy starting out this month as my investments in both TSP Coach and my sister site, My Funds Coach, both had the highest returns in each fund family. It is worth nothing that for every fund family, I was 100% in the international market. I have not been this solidly in the international markets since 2007-2008 when I was 100% in the I Fund for 17 months.

I’m sure most of you will remember those years were the start of the great recession. I’m not going to predict another great recession based on how I’m investing in a small number of funds, but I will point out the US economy is still in a dangerous spot. We have had only 2 bank failures this year (with one more about to happen), which is not a high number in and of itself. However, the value of those bank failures is on par with the September 2008 failure of Washington Mutual Bank, which was one of 25 banks to fail in 2008.

So, in short, bank failures are going to happen, and when a massive failure happens like with Silicon Valley Bank and is then followed up by Signature Bank in the same month, we should all take notice. As I write this First Republic Bank is on the verge of collapse and hopefully, it will be the last one this year. If the trend continues and the value of the bank failures continue to be north of $100 billion each, then there will be reason to really pause and reassess the fundamentals of our economy. I’m not there yet.

I think we will dodge a bullet with the debt ceiling. There is obviously no way to not raise the debt ceiling, but tighter fiscal controls could signal we are just a little bit more serious on our debt. Our economy is not in a place to tackle this issue with a government shutdown or a lowering of our debt rating. If you haven’t seen the news, France is now AA-, which is the low end of the second tier. The US cannot afford for this type of downgrade to happen.

So where does that leave me with my investment decisions? I still think, that although the C Fund performed well this month, I see the imminent failure of First Republic Bank causing people to question the economy, stock market, and the Federal Reserve. The Federal Reserve MUST keep interest rates high to lower inflation, and the longer they can do it and the higher they can go (yes there will probably be another hike in the near future), the more ammo they are putting away for a rainy day (read recession). I am concerned about the international markets being able to continue their current strong performance, but for May, I’m going to remain in the I Fund 100%. 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

Staying Put for May - May Allocation

Allocation Percentages for May 2023

F Fund

C Fund

S Fund

I Fund

TSP FUND QUOTES

Allocation History