TSP Center - The Thrift Savings Plan Community
 
"FantasyTSP™ and Discussion Forum for the Thrift Savings Plan Investor"
 
 
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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 % % % % %
 

 
Top Five 2019 FantasyTSP™ Returns
User Start Date Return
Cayman Islands Aston 2019-12-31 +53.99%
Mexico Pablo 2019-12-31 +48.97%
United States garrettg21 2020-03-09 +48.00%
United States mm551 2019-12-31 +45.73%
United States entfred 2020-03-23 +42.19%
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TSP Share Prices for Jul 10, 2020
    Close Day YTD
   G Fund $16.4502 +0.00% +0.61%
   F Fund $21.0288 -0.12% +6.65%
   C Fund $47.0497 +1.05% -0.45%
   S Fund $54.1006 +1.35% -3.87%
   I Fund $29.6343 +0.40% -9.42%
   L 2050 $21.9144 +0.70% -2.53%
   L 2040 $37.6769 +0.61% -1.96%
   L 2030 $34.3736 +0.51% -1.38%
   L 2020 $29.2565 +0.18% -0.17%
   L Income $21.2562 +0.18% +0.33%
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