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TSP Center - The Thrift Savings Plan Community
 
"FantasyTSP™ and Discussion Forum for the Thrift Savings Plan Investor"
 
 
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Newest member: IslandHonu
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
United States BBBInvest 2013-02-27 +1.83% *
United States TSPKey 2013-01-01 -0.32% *
United States TSPFolio 2013-01-01 +1.34% *
United States - Virginia Seasonal 2013-01-01 +2.06% *
United States - Minnesota TSPMillion 2013-03-26 -3.15% *
United States - California Evolution 2013-01-01 +2.03% *
United States - California TSPkiss 2013-01-01 +2.75% *
United States Relevant ** 2013-01-01 +0.58% *
United States ebbcharts 2013-11-12 +2.66% *
** Updated monthly What is this?
** Registered Investment Advisor
Top Five 2014 FantasyTSP™ Returns
User Start Date Return
United States tspcenter 2014-01-01 +9.00%
United States TheDuck 2014-01-01 +7.79%
United States vpham169 2014-01-01 +7.67%
United States - Utah MagnumPI 2014-01-01 +7.38%
El Salvador yoyo17 2014-01-01 +7.12%
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TSP Share Prices for Apr 17, 2014
    Close Day YTD
   G Fund $14.3859 +0.01% +0.69%
   F Fund $16.1278 -0.31% +2.45%
   C Fund $24.2371 +0.14% +1.52%
   S Fund $33.7924 +0.40% +0.36%
   I Fund $25.7933 +0.49% +0.90%
   L 2050 $14.2365 +0.25% +1.23%
   L 2040 $25.1366 +0.21% +1.22%
   L 2030 $23.7376 +0.18% +1.19%
   L 2020 $22.0406 +0.14% +1.12%
   L Income $16.9750 +0.04% +0.94%
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Turn Interactive Charts On

    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)
iShares Lehman Aggregate Bond (AGG)
S&P 500 (C Fund)
S&P 500 INDEX,RTH (^GSPC)
Wilshire 4500 (S Fund)
Dow Jones Wilshire 4500 Complet (^DWCPF)
EFA (I Fund)
iShares MSCI EAFE Index (EFA)

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AGG (F Fund)
iShares Lehman Aggregate Bond (AGG)

S&P 500 (C Fund)
S&P 500 INDEX,RTH (^GSPC)

Wilshire 4500 (S Fund)
Dow Jones Wilshire 4500 Complet (^DWCPF)

EFA (I Fund)
iShares MSCI EAFE Index (EFA)