TSPFundTrading.com, LLC is a professional financial service dedicated to providing expert market analysis and guidance for the Thrift Savings Plan (TSP). Our primary mission is to help Federal employees and members of the uniformed services navigate both bullish and bearish market environments with confidence. Our flagship IFT Allocation Service has been operating continuously since January 1, 2005, making it one of the longest-running and most established TSP timing services available.

The Thrift Savings Plan is an essential component of the federal retirement system and is widely recognized as one of the most efficient and successful retirement plans in the world. As of mid-2025, the TSP serves more than 7.2 million participants and manages over $1 trillion in assets, making it the largest defined-contribution retirement plan globally. Despite its simplicity and advantages, many participants lack the guidance necessary to fully maximize the growth potential of their retirement savings. TSPFundTrading.com was created exclusively to help Federal employees and members of the uniformed services make more informed investment decisions and pursue long-term growth of their retirement accounts. We are an independent research and advisory service and are not affiliated with the Thrift Savings Plan, tsp.gov, frtib.gov, the Federal Retirement Thrift Investment Board, or any U.S. government agency or branch of the uniformed services.

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About Our Service

Our investment methodology combines a proprietary mechanical system with a disciplined rules-based approach. The mechanical component utilizes a series of custom-developed algorithmic indicators, each incorporating proprietary settings and parameters refined over many years of research and real-world application. The rules-based component employs a defined set of objective criteria to determine the recommended percentage allocations among the Thrift Savings Plan's G, F, C, S, and I Funds. Together, these complementary approaches are designed to provide a consistent and disciplined framework for navigating changing market conditions.

Performance of our TSP Allocation Service

2026 Performance (Updated: 06/15/26): Our year-to-date return stands at +9.92%, outperforming the buy-and-hold benchmark's gain of +9.36% and substantially exceeding the G Fund's return of +1.99%. These results are particularly impressive given the extreme volatility, rapid market reversals, and heightened uncertainty that have characterized 2026. While many investors have struggled to navigate this turbulent environment, our disciplined, rules-based approach has enabled us to preserve capital, manage risk, and continue generating competitive returns.

Yearly Returns (2005-2025): Since its inception in 2005, our TSP Allocation Service has achieved an average annual return of +13.23% across multiple bull and bear market cycles. Over the same period, a traditional buy-and-hold approach has generated an average annual return of +7.48%, while the G Fund has returned an average of +2.90% per year. As a result, our strategy has historically delivered nearly twice the long-term performance of the buy-and-hold approach while providing active guidance through a wide range of market environments.

A sustained +13.23% average annual return over more than two decades represents an exceptional long-term performance record compared to that achieved by most individual investors and many professional money managers. Based on our ongoing review of competing services, we believe TSPFundTrading.com possesses the strongest long-term track record among all TSP market timing services. Our results reflect more than 21 years of disciplined investment management through a wide variety of market environments, including both bull and bear markets. Our results speaks for themselves.

Compounded Returns: Since the inception of our service on January 1, 2005, through the end of 2025, an initial investment of $100,000 would have grown to $1,333,354 based on our real-time trading returns. Over the same period, the traditional buy-and-hold approach would have grown to $414,382, while the G Fund would have increased to $182,975. These figures illustrate the remarkable long-term power of compounding and do not include any additional contributions that members may have made during the 21-year period.

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All trades adhere to the New Interfund Transfer Rule. The performance bar chart and table below display our overall results:

Performance Line Chart Also, see our Performance Bar Chart Viewing the Performance Table (on the right): * Our system has outperformed the market 16 of 21 years. * The annual percentage gain is nearly doubling the buy-and-hold strategy. * When compounding our returns, we are more than tripling the buy-and-hold strategy.

Performance Table Year G Fund Buy & Hold Our Returns 2005 +4.40% +7.70% +19.24% 2006 +4.93% +12.70% +21.47% 2007 +4.87% +7.01% +16.27% 2008 +3.52% -30.79% +10.59% 2009 +2.75% +25.47% +36.87% 2010 +2.74% +14.03% +15.63% 2011 +2.45% +2.11% +5.54% 2012 +1.42% +12.10% -2.15% 2013 +1.89% +16.48% +15.42% 2014 +2.26% +5.51% +14.69% 2015 +2.04% +0.34% +10.39% 2016 +1.82% +7.34% +4.73% 2017 +2.33% +13.28% +16.84% 2018 +2.91% -4.65% +2.26% 2019 +2.24% +17.16% +20.51% 2020 +0.97% +13.36% +17.18% 2021 +1.38% +10.50% +11.38% 2022 +2.98% -13.64% -9.66% 2023 +4.22% +15.94% +10.12% 2024 +4.40% +10.38% +25.49% 2025 +4.44% +14.66% +13.01% AVG +2.90% +7.48% +13.23%

Three important conclusions can be drawn from the performance tables above: (1) the longevity and consistency of our service, (2) our long-term results have consistently outperformed the traditional buy-and-hold approach, and (3) the power of compounding has enabled our strategy to generate approximately three times the wealth accumulation achieved by buy-and-hold investing. If your current investment approach is not producing the results you desire, we invite you to consider TSPFundTrading.com. We are honored to serve Federal employees and members of the uniformed services who have placed their trust in our research and guidance for more than two decades.

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Sincerely, Robert W Dillon, Ph.D. Founder & Chief Technical Analyst TSPFundTrading.com, LLC Editor@TSPFundTrading.com Contact Us