Seasonal TSP Calculator - Thrift Savings Plan

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Seasonal TSP Calculator

Note: The "Seasonal Strategy" is a conversation starter, not an investment recommendation"

Most Federal Employees keep their TSP money in the G Fund or other fixed allocation.. Some do much better by either applying investment strategies or hiring professional help. The differance could be over $1,000,000 for an average Fed retirement.

Based on 2010 end of year figures, buy and hold strategies have resulted in:

Approximately 6% G Fund average rate of return over 23 years
Approximately 7% F Fund average rate of return over 23 years
Approximately 11% C Fund average rate of return over 23 years
Approximately 6% S Fund average rate of return over 23 years
Approximately 16% average rate of return over 23 years using example Seasonal Strategy:

Using a remarkably simple and unscientific formula of seasonal moves between the G, F, C and S Funds, the rate of return averaged in excess of 16% over 20+ years. This strategy is based on only six allocation moves per year:

January 100% F Fund
February 100% G Fund
March - May 100% C Fund
June - October 100% F Fund
November 100% C Fund
December 100% S Fund

What kind of returns can knowledgeable people get? Play and watch FantasyTSP™ to find out. Learn and make money for your own retirement. Use the TSP Center Seasonal Calculator to see how a consistent seasonal allocation pattern over the years performs vs. buy and hold.

Month	G Fund	F Fund	C Fund	S Fund	I Fund	Total
January	%	%	%	%	%
February	%	%	%	%	%
March	%	%	%	%	%
April	%	%	%	%	%
May	%	%	%	%	%
June	%	%	%	%	%
July	%	%	%	%	%
August	%	%	%	%	%
September	%	%	%	%	%
October	%	%	%	%	%
November	%	%	%	%	%
December	%	%	%	%	%

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Professional TSP Advisory Returns

User	Start Date	Return
TSPKey	2013-01-01	+10.25% *
TSPkiss	2013-01-01	+8.07% *
MLKMAN	2013-01-01	+7.25% *
TSPFolio	2013-01-01	+6.31% *
Seasonal	2013-01-01	+5.28% *
BBBInvest	2013-02-27	+5.04% *
Evolution	2013-01-01	+3.75% *
TSPMillion	2013-03-26	+2.07% *
Relevant **	2013-01-01	+0.77% *

** Updated monthly	What is this?
** Registered Investment Advisor

Top Five 2013 FantasyTSP™ Returns

User	Start Date	Return
complacent	2013-01-01	+18.99%
Paul14208	2013-01-01	+18.30%
sjrocky	2013-01-01	+18.28%
ptsotha	2013-01-01	+17.81%
tej2021	2013-01-01	+17.79%

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TSP Share Prices for May 23, 2013

	Close	Day	YTD
G Fund	$14.1047	+0.00%	+0.59%
F Fund	$15.9944	+0.01%	-0.10%
C Fund	$21.0425	-0.28%	+16.73%
S Fund	$28.6007	+0.00%	+17.52%
I Fund	$22.8609	-2.61%	+9.22%
L 2050	$12.5640	-0.80%	+12.74%
L 2040	$22.4422	-0.68%	+11.36%
L 2030	$21.4530	-0.60%	+9.88%
L 2020	$20.2659	-0.49%	+7.88%
L Income	$16.2391	-0.16%	+3.30%

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	Percent Gain/Loss					Balance*
	G Fund	F Fund	C Fund	S Fund	Seasonal	G Fund	F Fund	C Fund	S Fund	Seasonal
1988	+8.83%	+3.63%	+11.80%	+16.72%	+6.38%	$108,828	$103,632	$111,802	$116,718	$106,377
1989	+8.82%	+13.87%	+31.02%	+20.54%	+24.95%	$118,424	$118,011	$146,486	$140,694	$132,919
1990	+8.89%	+8.00%	-3.14%	-15.98%	+23.89%	$128,955	$127,447	$141,881	$118,211	$164,679
1991	+8.15%	+15.74%	+30.76%	+40.20%	+22.45%	$139,465	$147,505	$185,521	$165,726	$201,653
1992	+7.24%	+7.21%	+7.71%	+9.80%	+11.40%	$149,561	$158,134	$199,826	$181,966	$224,644
1993	+6.13%	+9.52%	+10.12%	+12.66%	+12.24%	$158,723	$173,193	$220,040	$204,996	$252,142
1994	+7.22%	-2.97%	+1.33%	-4.30%	-2.24%	$170,179	$168,057	$222,956	$196,172	$246,499
1995	+7.03%	+18.30%	+37.39%	+31.24%	+24.04%	$182,137	$198,813	$306,318	$257,462	$305,762
1996	+6.76%	+3.66%	+22.85%	+15.46%	+21.44%	$194,451	$206,084	$376,321	$297,256	$371,326
1997	+6.76%	+9.61%	+33.17%	+24.05%	+23.34%	$207,597	$225,885	$501,145	$368,747	$457,976
1998	+5.76%	+8.74%	+28.44%	+7.35%	+27.53%	$219,547	$245,623	$643,667	$395,841	$584,043
1999	+5.99%	-0.86%	+20.95%	+33.97%	+24.49%	$232,694	$243,511	$778,496	$530,289	$727,055
2000	+6.42%	+11.65%	-9.14%	-16.73%	+8.10%	$247,637	$271,887	$707,373	$441,548	$785,958
2001	+5.39%	+8.57%	-11.95%	-9.03%	+26.10%	$260,981	$295,200	$622,863	$401,686	$991,119
2002	+4.99%	+10.27%	-22.04%	-18.14%	+4.11%	$274,005	$325,520	$485,591	$328,831	$1,031,814
2003	+4.14%	+4.11%	+28.52%	+42.91%	+17.32%	$285,339	$338,910	$624,076	$469,937	$1,210,482
2004	+4.29%	+4.30%	+10.79%	+18.03%	+12.98%	$297,586	$353,475	$691,420	$554,681	$1,367,543
2005	+4.49%	+2.41%	+4.96%	+10.48%	+3.67%	$310,946	$362,006	$725,723	$612,805	$1,417,756
2006	+4.94%	+4.39%	+15.80%	+15.32%	+7.01%	$326,302	$377,914	$840,419	$706,663	$1,517,134
2007	+4.87%	+7.08%	+5.55%	+5.50%	+8.23%	$342,177	$404,664	$887,029	$745,515	$1,641,986
2008	+3.73%	+5.46%	-37.00%	-38.32%	+1.82%	$354,948	$426,766	$558,864	$459,845	$1,671,944
2009	+3.00%	+6.00%	+26.68%	+34.83%	+48.13%	$365,598	$452,364	$707,979	$620,011	$2,476,614
2010	+2.81%	+6.71%	+15.06%	+29.08%	+13.22%	$375,854	$482,717	$814,611	$800,305	$2,804,034
2011	+2.46%	+7.89%	+2.12%	-3.40%	+5.63%	$385,089	$520,791	$831,857	$773,125	$2,961,804
2012	+1.48%	+4.29%	+16.06%	+18.59%	+1.78%	$390,788	$543,152	$965,462	$916,816	$3,014,417
	+5.62%	+7.10%	+11.11%	+11.23%	+15.12%	<-- Average Rate of Return

* Balance based on initial $100,000 investment

AGG (F Fund)

S&P 500 (C Fund)

Wilshire 4500 (S Fund)

Dow Jones Wilshire 4500 Complet (^DWCPF)

EFA (I Fund)

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Hostspring Technologies, P.O. Box 9457, Chesapeake, VA 23321

TSP Center is not a Registered Investment Advisor
TSP Center is dedicated to providing information on the Thrift Savings Plan. It is designed to be a location where Thrift Savings Plan participants can meet to discuss the TSP and strategies for maximizing TSP returns. All information on this site is provided for informational purposes only and without guarantee. In other words, TSP Center assumes no liability for its use. TSP Center is not affiliated with the United States Government, the Thrift Savings Plan or www.tsp.gov. FantasyTSP™ is a registered trademark of Hostspring Technologies, LLC.