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Check out our previous allocation history

OUR SERVICE

Bottom Line Up Front: Provide a forum to disseminate my simple, financially sound, reallocation of the Thrift Savings Plan Funds at the lowest possible cost to the customer while generating excess Alpha over other allocation methods.

TSP Values

Manage your TSP with the Best Performing Allocation Plan!

TSP Coach is dedicated to ensuring military, civilian and retired members of the US Government have the best information when making TSP investment allocation decisions. My investment strategy has over 10 years of proven success, and now you can follow along as I change my allocations no more than once a month. My service is perfect for the investor that wants to maximize their return without high fees, complex newsletters, market timing, or other fancy strategies that rely on the 'intuition' of the plan manager. I already calculate my allocation percentages every month, and I want to share my success with you.

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PERFORMANCE


Annualized Returns of over 13.53%

Simple, once a month, changes to our allocation and TSP Fund investment percentages have achieved returns far exceeding the buy and hold method. Additionally, our program outperforms all of the other respectable TSP newsletter services at a much lower cost.

Year1 TSP Coach
Life 1221.27%
15 Years 587.21%
10 Years 192.68%
5 Years 95.03%
3 Years 21.38%
2005 10.98%
2006 23.57%
2007 10.68%
2008 -8.50%
2009 16.83%
2010 25.23%
2011 -1.61%
2012 27.39%
2013 34.94%
2014 12.67%
2015 1.56%
2016 5.37%
2017 17.89%
2018 -6.56%
2019 29.24%
2020 37.47%
2021 17.60%
2022 -15.35%
2023 22.25%
2024 16.27%
Annualized 13.53%
As of: 12/26/2024
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
131.55% 38.34% 274.75% 53.90% 318.54% 60.96% 64.44% 79.13% 79.11% 79.08% 6.13% 78.00% 89.08% 715.87% 639.74% 220.07%
93.50%   229.49%   273.94%             42.96% 45.51% 618.39% 456.28% 129.33%
53.72%   104.44%   120.54%             28.29% 16.43% 247.28% 154.37% 71.94%
26.92%   46.65%   52.73%             14.68% -1.10% 102.30% 64.07% 29.52%
14.61% 13.37% 17.62% 17.89% 18.25% 18.43% 18.76% 21.27% 21.25% 21.24%   12.03% -6.76% 33.72% 10.63% 7.89%
                      4.49% 2.40% 4.96% 10.45% 13.63%
7.59%   15.00%   16.53%             4.93% 4.40% 15.79% 15.30% 26.32%
5.56%   7.14%   7.36%             4.87% 7.09% 5.54% 5.49% 11.43%
-5.09%   -27.50%   -31.53%             3.75% 5.45% -36.99% -38.32% -42.43%
8.57%   22.48%   25.19%             2.97% 5.99% 26.68% 34.85% 30.04%
5.74%   12.48%   13.89%             2.81% 6.71% 15.06% 29.06% 7.94%
2.23%   -0.31%   -0.96%             2.45% 7.89% 2.11% -3.38% -11.81%
4.77%   12.61%   14.27%             1.47% 4.29% 16.07% 18.57% 18.62%
6.97%   20.16%   23.23%             1.89% -1.68% 32.45% 38.35% 22.13%
3.77%   5.74%   6.22%             2.31% 6.73% 13.78% 7.80% -5.27%
1.85%   1.04%   0.73%             2.04% 0.91% 1.46% -2.92% -0.51%
3.58%   7.07%   7.90%             1.82% 2.91% 12.01% 16.35% 2.10%
6.19%   14.54%   16.77%             2.33% 3.82% 21.82% 18.22% 25.42%
0.71%   -3.58%   -4.89%             2.91% 0.15% -4.41% -9.26% -13.43%
7.60%   17.60%   20.69%             2.24% 8.68% 31.45% 27.97% 22.47%
5.15%   11.26%   13.16%             0.97% 7.50% 18.31% 31.85% 8.17%
5.42% 9.75% 12.37% 13.43% 14.51% 15.40% 16.34% 19.90% 19.90% 19.90%   1.38% -1.46% 28.68% 12.45% 11.45%
-2.70% -6.72% -10.32% -11.65% -12.90% -14.03% -15.05% -17.60% -17.61% -17.62%   2.98% -12.83% -18.13% -26.26% -13.94%
8.99% 11.25% 15.76% 16.91% 18.04% 19.03% 20.00% 23.31% 23.30% 23.31%   4.22% 5.58% 26.25% 25.30% 18.38%
7.85% 8.85% 12.75% 13.55% 14.36% 15.05% 15.76% 18.46% 18.46% 18.46%   4.34% 1.22% 28.25% 19.84% 4.91%
4.42% 7.49% 7.04% 10.08% 7.65% 11.18% 11.71% 13.86% 13.86% 13.86% 15.24% 2.88% 3.18% 10.87% 10.34% 5.89%
1Life starting dates for TSP funds are August 31, 2004. TSP Coach strategy has been in use since August 2004.
Read More
  • TSP Coach

  • Lifetime Performance


You have a number of choices when choosing a TSP allocation plan. There are plans that change allocations many times in a month, there are plans that change their allocations twice a month and then there are plans that change just once a month. TSP Coach changes allocations just once a month while returning outstanding returns.

TSP Coach Keeps It Simple

Since I have never found a decent website exploring the different TSP programs being offered, I am providing comparisons of the different TSP allocation plans below with the actual names of the companies replaced by a letter of the alphabet. They all start out with either $10,000 initial investment in 2005, which is the first full year of my program, or if they began after my program, they started with values equal to my program and then went from there in the following years. Some companies do not give a detailed history of their returns, and so therefore, I have omitted them.

TSP Coach vs Other Programs
Read More
  • TSP Coach

  • vs other Programs
TSP Coach vs Other Programs with Fees Included
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  • TSP Coach

  • vs other Programs w/Fees


Over the last 20 years, TSP Coach has proven it is the best

The table below compares TSP Coach returns to all the major TSP allocation plans minus fees. Many plans cost in excess of $200/year. Some competitors keep changing their strategies, others not listed do not even provide their returns, and finally, some trade more than two times a month.

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%
  • TSP Coach

  • Percentages Behind the Chart Above

HOW IT WORKS

We have developed a simple, yet effective, investment program that reallocates our TSP Funds at the end of each month, when necessary.

TSP COACH PROGRAM

Start managing your TSP account the way the experts do. We have adapted our program for the true purpose of the TSP Program, a vehicle for long term investment.

The returns with our program are significantly higher than the fixed allocation buy and hold strategies employed by the Lifestyle Funds available through TSP, and our performance outperforms many other TSP subscription services with much lower subscription fees, no emergency, mid-month or large numbers of TSP allocation changes, just proven returns with end of month TSP Fund allocation and account rebalancing.
We have maximized our returns while minimizing our risk in a repeatable, consistent manner. Don't delay, subscribe today!

WHY ARE WE BETTER?

1. Annualized return of 13.53% since its inception in 2004.

2. Simple TSP allocation strategy changes allocations and monthly fund percentages once a month-perfect for all investors. One allocation change, once a month, at the end of the month, is all I do.

3. Strategy has not changed in over 20 years.

4. Methodology is rooted in investment research spanning over five decades. I utilize the Sharpe Ratio with my own proprietary formula to arrive at my allocation percentages.

5. Most affordable TSP newsletter around!

SUBSCRIBE

By subscribing through PayPal to our information service, you will receive a username and a password via email that will give you access to our monthly allocation page.

The allocation page will be updated at the end of the last trading day of each month. We will make an announcement on Twitter @TSPCoach when our allocation page has been updated.

Subscription Prices:
Monthly $7
Yearly $60

FAQ

Answers to: Allocation Update Process, Subscription and Cancellation Policy, and much more.

Answers to Subscriber Questions

Answers to questions I have answered over the years from subscrbers
Disclaimer: I cannot provide advice, only how I invest.

ALLOCATION HISTORY

TSP Coach uses the Sharpe Ratio, Modern Portfolio Theory, and a proprietary formula to calculate our allocation percentages. Since the Thrift Savings Plan limits investors to just five funds and only two inter-fund transfers a month, it really is not appropriate, at least in our minds, to make allocation decisions based on market timing or overly complex analysis of daily market swings. With these factors in mind, we decided to implement a simple allocation strategy which calculates TSP Fund allocation percentages once a month.
With our simple allocation strategy, We Outperform Everyone.


TSP FUND QUOTES

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
2024-12-26 26.8600 13.8339 51.0041 15.3904 58.5544 16.0958 35.4310 17.9131 17.9108 17.9083 10.6128 18.7432 19.4563 95.3748 92.3931 42.1526
2024-12-24 26.8498 13.8284 50.9779 15.3820 58.5209 16.0861 35.4091 17.9017 17.8994 17.8969 10.6062 18.7388 19.4363 95.4058 91.9746 42.1292
Daily Change 0.04%0.04%0.05%0.05%0.06%0.06%0.06%0.06%0.06%0.06%0.06%0.02%0.1%-0.03%0.46%0.06%
Month to Date -0.22%-0.29%-0.77%-0.89%-1%-1.09%-1.17%-1.32%-1.32%-1.32%-1.31%0.31%-1.82%0.18%-4.73%-2.23%
Year to Date 7.85%8.85%12.75%13.55%14.36%15.05%15.76%18.46%18.46%18.46%0%4.34%1.22%28.25%19.84%4.91%
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

CONTACT US

We welcome any comments or questions about our service and how we can make it better.

ABOUT US

TSP Coach was started by a US Navy Officer with over 27 years of investment experience. As an active duty officer, he managed the squadron TSP enrollment when it was first implemented in 2003 and is committed to ensuring all Federal workers have the knowledge necessary to make the best financial decisions when investing in the Thrift Savings Plan. He holds an undergraduate degree in Systems Engineering and received his MBA from Columbia University. His desire to educate military and civilian members about the Thrift Savings Plan and his entrepreneurial spirit were the driving motivators for creating this website. With dramatic new retirement changes, maximizing returns on the Thrift Savings Plan are more important than ever, and we are committed to ensuring that investors in this retirement plan have the best information possible, at the lowest possible price.

TSP Coach has two other board members that bring a wealth of experience in the financial industry serving as CFO's and Presidents in several different companies.

We have validated our investment model through exacting research and proven results. We hope you can benefit from seeing how we invest our hard earned money.

TSP Coach