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| "FantasyTSP™ and Discussion Forums for the Thrift Savings Plan Investor" |
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TSP Million Dollar Gain
Most Federal Employees keep their TSP money in the G Fund. Some
do much better by either learning investment strategies or hiring professional help. The
differance could be over $1,000,000 for an average Fed retirement.
Reports indicate the average Fed made slightly more than $63,000 per
year in 2006. If that Fed were to contribute the maximum 15% to their TSP account
and be matched 5% by Uncle, they would save $12,600 per year. Their TSP balance after
20 years would be dramatically different depending on rate of return.
- At 6% after 20 years they would have $491,308
- At 8% after 20 years they would have $622,729
- At 10% after 20 years they would have $793,831
- At 12% after 20 years they would have $1,016,804
- At 14% after 20 years they would have $1,307,482
- At 16% after 20 years they would have $1,686,390
Based on 2007 end of year figures, buy and hold strategies
have resulted in:
- Approximately 6% G Fund average rate of return over 20 years
- Approximately 7% F Fund average rate of return over 20 years
- Approximately 13% C Fund average rate of return over 20 years
- Approximately 12% S Fund average rate of return over 20 years
- Approximately 16% average rate of return over 20 years using the TSP Center Seasonal C and F Fund Swing Strategy
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--- Pending Allocations for May 13, 2008 ---
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| User |
Pending Allocation |
| jeffvan1 |
100% I |
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--- Join FantasyTSP™ ---
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- Track allocation performance
- Talk with other TSP investors
- Learn new investment strategies
- Compete for Leader Board listing
- Monitor TSP share prices
- and much more...
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--- TSP Share Prices: May 13, 2008 ---
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Close |
Chg |
Day |
YTD |
| G |
$12.44 |
0.00 |
0.00% |
+1.30% |
| F |
$12.13 |
-0.07 |
-0.57% |
+1.68% |
| C |
$15.94 |
-0.01 |
-0.06% |
-3.74% |
| S |
$19.38 |
+0.12 |
+0.62% |
-2.07% |
| I |
$23.96 |
-0.16 |
-0.66% |
-3.23% |
| L 2040 |
$17.83 |
-0.02 |
-0.11% |
-2.25% |
| L 2030 |
$17.10 |
-0.02 |
-0.12% |
-1.78% |
| L 2020 |
$16.45 |
-0.01 |
-0.06% |
-1.20% |
| L 2010 |
$15.43 |
-0.01 |
-0.06% |
-0.19% |
| L Income |
$13.55 |
0.00 |
0.00% |
+0.59% |
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The TSP Center Seasonal C and F Fund Swing Strategy
Using a remarkably simple and unscientific formula of
seasonal moves between the C and F Funds, the rate of return averaged in excess of 16%
over 20 years.
This strategy is based on only two allocation moves per year; 100% F Fund on the first day of June and 100% C Fund on the first day of October.
What kind of returns can knowledgeable people get? Play and
watch FantasyTSP™ to find out. Learn and make money for your own retirement.
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Percent Gain/Loss |
Balance* |
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G Fund |
F Fund |
C Fund |
S Fund* |
C/F Fund |
G Fund |
F Fund |
C Fund |
S Fund* |
C/F Fund |
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1988 |
+8.83% |
+3.63% |
+11.80% |
+16.72% |
+10.49% |
$13,713 |
$13,057 |
$14,087 |
$14,707 |
$13,922 |
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1989 |
+8.82% |
+13.87% |
+31.02% |
+20.54% |
+24.02% |
$28,633 |
$29,216 |
$34,965 |
$32,916 |
$32,892 |
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1990 |
+8.89% |
+8.00% |
-3.14% |
-15.98% |
+15.09% |
$44,899 |
$45,161 |
$46,072 |
$38,242 |
$52,357 |
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1991 |
+8.15% |
+15.74% |
+30.76% |
+40.20% |
+37.21% |
$62,185 |
$66,853 |
$76,719 |
$71,281 |
$89,128 |
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1992 |
+7.24% |
+7.21% |
+7.71% |
+9.80% |
+11.88% |
$80,200 |
$85,182 |
$96,205 |
$92,101 |
$113,813 |
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1993 |
+6.13% |
+9.52% |
+10.12% |
+12.66% |
+11.67% |
$98,488 |
$107,090 |
$119,816 |
$117,956 |
$141,165 |
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1994 |
+7.22% |
-2.97% |
+1.33% |
-4.30% |
-0.60% |
$119,109 |
$116,136 |
$134,178 |
$124,942 |
$152,843 |
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1995 |
+7.03% |
+18.30% |
+37.39% |
+31.24% |
+27.76% |
$140,968 |
$152,294 |
$201,658 |
$180,510 |
$211,369 |
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1996 |
+6.76% |
+3.66% |
+22.85% |
+15.46% |
+22.53% |
$163,949 |
$170,929 |
$263,216 |
$222,965 |
$274,430 |
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1997 |
+6.76% |
+9.61% |
+33.17% |
+24.05% |
+24.01% |
$188,484 |
$201,166 |
$367,304 |
$292,219 |
$355,946 |
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1998 |
+5.76% |
+8.74% |
+28.44% |
+7.35% |
+44.31% |
$212,666 |
$232,450 |
$487,948 |
$327,223 |
$531,848 |
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1999 |
+5.99% |
-0.86% |
+20.95% |
+33.97% |
+22.71% |
$238,760 |
$242,942 |
$605,413 |
$455,261 |
$668,092 |
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2000 |
+6.42% |
+11.65% |
-9.14% |
-16.73% |
-5.81% |
$267,497 |
$285,313 |
$561,527 |
$389,588 |
$641,144 |
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2001 |
+5.39% |
+8.57% |
-11.95% |
-9.03% |
+11.07% |
$295,194 |
$323,444 |
$505,519 |
$365,870 |
$726,114 |
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2002 |
+4.99% |
+10.27% |
-22.04% |
-18.14% |
+6.88% |
$323,153 |
$370,556 |
$403,925 |
$309,816 |
$789,537 |
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2003 |
+4.14% |
+4.11% |
+28.52% |
+42.91% |
+23.32% |
$349,653 |
$398,903 |
$535,318 |
$460,764 |
$989,195 |
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2004 |
+4.29% |
+4.30% |
+10.79% |
+18.03% |
+15.03% |
$377,794 |
$429,198 |
$607,039 |
$558,712 |
$1,152,365 |
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2005 |
+4.29% |
+2.41% |
+4.96% |
+10.48% |
+1.05% |
$407,923 |
$452,445 |
$650,373 |
$631,185 |
$1,177,197 |
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2006 |
+4.94% |
+4.39% |
+15.80% |
+15.32% |
+13.84% |
$441,297 |
$485,461 |
$767,722 |
$742,413 |
$1,354,465 |
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2007 |
+4.87% |
+7.08% |
+5.55% |
+5.50% |
+7.86% |
$476,001 |
$533,324 |
$823,630 |
$796,539 |
$1,474,517 |
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* Balance based on annual $12,600 contribution
* 1988 - 2000 S Fund data based on Wilshire 4500 Index
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Contact TSP Center
Copyright © 2007 Hostspring Technologies, LLC
All Rights Reserved
TSP Center, P.O. Box 9457, Chesapeake, VA 23321
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