Seasonal TSP Calculator - Thrift Savings Plan

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Seasonal TSP Calculator

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 2009 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 11% C Fund average rate of return over 20 years
Approximately 6% S Fund average rate of return over 20 years
Approximately 16% average rate of return over 20 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 FantasyTSP™ Returns

User	Start Date	Return
Seasonal	2010-01-01	+3.21%
TSPKey	2010-01-01	+3.20%
Peaceful-C	2010-01-01	-5.52%
Peaceful-B	2010-01-01	-12.14%
What is this?

Top Five 2010 FantasyTSP™ Returns

User	Start Date	Return
TSPProphet	2010-01-01	+25.19%
mmiller17	2010-01-01	+22.00%
30yrs=1mil	2010-01-01	+20.58%
tspblog	2010-01-01	+17.69%
azn	2010-01-01	+15.63%
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TSP Share Prices for Jul 29, 2010

	Close	Day	YTD
G Fund	$13.3590	+0.01%	+1.83%
F Fund	$14.1591	+0.05%	+6.18%
C Fund	$13.2027	-0.40%	-0.11%
S Fund	$17.4288	-0.28%	+5.88%
I Fund	$17.7730	+0.21%	-4.12%
L 2040	$15.7954	-0.15%	+1.03%
L 2030	$15.6435	-0.13%	+1.18%
L 2020	$15.5175	-0.11%	+1.29%
L 2010	$15.4955	-0.04%	+1.81%
L Income	$14.1430	-0.04%	+1.89%

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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
	+6.08%	+7.21%	+11.12%	+6.08%	+16.24%	<-- Average Rate of Return

* Balance based on initial $100,000 investment

AGG (F Fund)	S&P 500 (C Fund)	Wilshire 4500 (S Fund)	EFA (I Fund)
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TSP Center, P.O. Box 9457, Chesapeake, VA 23321

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.