TSPFundTrading.com, LLC is the leading professional financial service that provides expert market analysis of the Thrift Savings Plan funds. Our primary objective is to provide guidance for Federal employees and members of the uniformed services during both bullish and bearish markets. Our IFT Allocation Service has been live since Jan 1, 2005.


As you know, the Thrift Savings Plan (TSP) is an extremely important part of the federal retirement system. The TSP is widely recognized as one of the finest, most elegantly simple, and popular retirement plans of its kind. As of Dec 31, 2021, there are approximately 6.5 million participants and more than $827.2 billion in assets under management in the TSP. The TSP is the largest defined contribution retirement plan in the world. However, we have found that the majority of these investors do not have the proper guidance required to maximize the growth of their savings. Our service is exclusively devoted to helping federal employees increase their thrift retirement savings. We are not affiliated with the TSP, Thrift Savings Plan, tsp.gov, frtib.gov, or any U.S. government agency or uniformed military services.

About Our Service

Our service uses a combination of a mechanical system and a rules-based system. The indicators we created for the mechanical system are specific algorithm scripts, each having settings and parameters that are proprietary. The rules-based system has specific criteria that have to be met for assigning the percentage allocations of the Thrift Savings Plan funds (G, F, C, S, and I Funds).

Performance of our TSP Allocation Service

Year 2024 YTD Returns (close: 10/04/24): Our members are up +18.62% YTD. We are outperforming the buy-and-hold strategy, which is only up +10.39%, the S Fund is up +11.57%, and the G Fund up +3.35%. Subscribe today to receive our latest allocations and our comprehensive weekly newsletter. We are on pace for a +24% year.

Compounded Returns: Since the inception of our service on January 1, 2005 to the end of 2023, if a member started with $100,000, their initial savings would have increased to $931,023 using our real-time trading returns. For the same time period, the buy-and-hold strategy of investing would have only increased to $328,182, while the G Fund increased only to $168,035. These results do not include any personal contributions during those 19 years, nor any contributions and profits made during year 2024.

Yearly Returns (2005-2023): Our TSP Allocation Service is averaging a profit of +12.60% per year in both bull and bear market cycles. Over 19 years, our service continues to lead all other TSP advisory services. The average return for the buy-and-hold strategy is +6.94% per year. We are outperforming the buy-and-hold strategy by +5.66%, nearly doubling its overall performance. The G Fund is returning an average of +2.74% per year. Our track record speaks for itself!

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 15 of 19 years.
* The annual percentage gain is nearly doubling the buy-and-hold strategy.
* When compounding our returns, we are tripling the buy-and-hold strategy.

Performance Table

YearG FundBuy & HoldOur 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+3.35%+10.39%+18.62%
AVG+2.74%+6.94%
+12.60%

*not including 2024

Compounding Our Performance vs. Buy-and-Hold

Year Buy & Hold Trades
with 20% in each Fund (%)
Buy & Hold
Compounded Returns
starting with $100,000
Our Cumulative
Year-To-Date Returns (%)
Our Compounded Returns
starting with $100,000
2023 15.94 328182.44 10.12 931023.94
2022 -13.64 282556.67 -9.66 854305.96
2021 10.50 327200.13 11.38 954186.67
2020 13.36 296707.67 17.18 854688.59
2019 17.16 261224.77 20.51 728662.92
2018 -4.65 220775.18 2.26 595915.47
2017 13.28 231824.21 16.84 583970.65
2016 7.34 203255.30 6.73 495310.40
2015 0.34 189449.48 10.39 475272.01
2014 5.51 189287.41 14.69 429459.90
2013 16.48 179481.27 15.42 372873.43
2012 12.10 152592.67 -2.15 320719.82
2011 2.11 136019.12 5.54 330597.13
2010 14.03 135068.28 15.63 314428.30
2009 25.47 120290.54 36.87 271436.21
2008 -30.79 94221.93 10.59 194028.56
2007 7.01 130818.61 16.27 175308.19
2006 12.70 122184.92 21.47 149330.70
2005 7.70 107852.04 19.24 120968.82

Three primary facts to observe from the tables are: (1) the longevity of our service, (2) our long-term results consistently outperform the buy-and-hold strategy of investing, and (3) our compounded returns have tripled the returns of the buy-and-hold strategy. If your current trading style is not making these returns, we encourage you to consider our service. We are honored to serve federal government employees & military personnel who continue to prosper from our valuable service!

Our service has the best 'long-term' track record for trading the TSP Funds!

As a member you will receive:

Instant Access

Members will have access to the exclusive Members Only page with the latest
updates for the various thrift funds (G, F, C, S, and I Funds).

"TSPFundTrading.com's Weekly Newsletter"
with Professional Chart Analysis & Commentary

Sample Newletter

The newsletter will be posted on the Members Only page each Wednesday after the close of the market to update members with our fundamental and technical interpretation of the market and the future short-, intermediate- and long-term outlook. We will provide our recommendations for attaining the highest-reward/lowest-risk in the various funds for the short-term. A few elements we will focus on include:

Current Fund Distribution

This section will provide our current percentage breakdown for the various funds in order to achieve the highest-reward / lowest-risk results.

E-mail Alert

Members will receive an e-mail and/or text alert when we believe it is best to make an Interfund Transfer; meaning there has been a change in percentage distribution of funds (see sample). Members will also receive an e-mail each Wednesday after the market closes, as a reminder that our weekly newsletter has been posted on the members page.

First-Class Member Support

We focus on quality customer service and respond to all emails in a timely manner. Members will receive full privacy protection, and will absolutely not receive spam or advertisements.


Sincerely,


Robert W Dillon, Ph.D.
Founder & Chief Technical Analyst

TSPFundTrading.com, LLC
Editor@TSPFundTrading.com

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