TSPinvestor Basic February 2016 Allocations

The TSPinvestor Basic allocations for February 2016 are:

7% G Fund; 23% F Fund; 20% C Fund; 35% S Fund; 15% I Fund

These should be allocated prior to Feb 1, 2016 at noon EST.  The Plus and Apex allocations will be released on Feb 8, 2016.

To implement this allocation, login to your account and change the fund allocations (via interfund transfer) and your new contributions to the recommended percentage.  These take effect the same business day if done before noon Eastern Time, otherwise it will be the next day.

The TSPinvestor Basic is a nominal 12% annual return strategy, and is less volatile than the Plus and Apex.

Last month’s Basic performance was (4.7)% – a negative return, or loss.

Here is a comparison of the TSPi Basic, various allocations strategies, and the TSP funds performance for January 2016:

TSPinvestor Basic = (4.7)%

50% C & S = (6.8)%

1/3 each in C, S & I = (6.4)%

20% in each fund = (3.5)%

G Fund = 0.2%

F Fund = 1.5%

C Fund = (5.0)%

S Fund = (8.7)%

I Fund = (5.6)%

() – denotes negative returns

In evaluating the performance on a month-to-month basis it is important to consider they vary widely. It is better to evaluate the returns over the course of a year or two, or ten.

Feb 2016 Allocations Graphic

TSPinvestor Plus and Apex Allocations for Jan 2016

The TSPinvestor Plus and Apex allocations for January 2016 are:

Plus: 5% G Fund; 18% F Fund; 15% C Fund; 62% S Fund; 0% I Fund

Apex: 100% S Fund

These should be allocated prior to Jan 11, 2016 at noon EST.

To implement this allocation, login to your account and change the fund allocations (via interfund transfer) and your new contributions to the recommended percentage.  These take effect the same business day if done before noon Eastern Time, otherwise it will be the next day.

The TSPinvestor Apex is a nominal 23% annual return strategy, and the Plus is a nominal 19% annual return.

Last month’s Plus performance was a loss of 7.0%, and the Apex lost 8.3%.

Overall the stock markets lost large money, while the bond market slightly gained.  The allocations for the upcoming month was not affected by the market losses.

Here is a comparison of the various allocations and funds performance for November 2015:

TSPinvestor Plus = (7.0%)

TSPinvestor Apex = (8.3%)

50% C & S = (7.5%)

1/3 each in C, S & I = (7.2%)

20% in each fund = (4.2%)

G Fund = 0.2%

F Fund = 0.4%

C Fund = (6.7%)

S Fund = (8.3%)

I Fund = (6.6%)

NOTE: These are like comparisons based upon allocations on the 9th of the month.

Jan 2016 Allocations Graphic