TSPinvestor Basic June 2016 Allocations

The TSPinvestor Basic allocations for June 2016 are:

3% G Fund; 7% F Fund; 20% C Fund; 51% S Fund; 19% I Fund

These remain essentially unchanged from May 2016. The overall stock market gained around 1% last month – thus reflecting the steady recommendation.

These should be allocated prior to June 1, 2016 at noon EST.  The Plus and Apex allocations will be released on Jun 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 TSPi Basic performance was 0.9%.

C Fund = 1.0%

S Fund = 1.0%

50% C & S = 1.0%

TSPinvestor Basic = 0.9%

1/3 each in C, S & I = 0.6%

20% in each fund = 0.5%

F Fund = 0.3%

G Fund = 0.1%

I Fund = (0.5)%

() – 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.

Jan 2016 Allocations Graphic

Cumulative Returns Since Nov 2015

  1. F Fund = 3.2%
  2. G Fund = 1.1%
  3. C Fund = 1.1%
  4. 50% in C & S = (0.2)%
  5. 20% in each fund = (0.3)%
  6. 1/3 in each C, S & I = (1.2)%
  7. S fund = (1.2)%
  8. TSPi Basic = (1.7)%
  9. I Fund = (3.8)%

TSPinvestor Plus and Apex Allocations for May 2016

The TSPinvestor Plus and Apex allocations for May 2016 are:

Plus: 1% G Fund; 0% F Fund; 32% C Fund; 46% S Fund; 21% I Fund

Apex: 100% S Fund

These should be allocated prior to May 9, 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 gain of 1.1%, and the Apex gained 1.4%.

Here is a comparison of the various allocations and funds performance for April 2016:

TSPinvestor Plus = 1.1%

TSPinvestor Apex = 1.4%

50% C & S = 1.0%

1/3 each in C, S & I = 1.1%

20% in each fund = 0.7%

G Fund = 0.1%

F Fund = 0.2%

C Fund = 0.6%

S Fund = 1.4%

I Fund = 1.4%

() – denotes negative return (or a loss)

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

May 2016 Allocations Graphic

Cumulative Returns since Nov 2015:

  1. F Fund = 3.3%
  2. G Fund = 1.0%
  3. C Fund = (1.0)%
  4. 20% in each = (2.1)%
  5. 50% in C &S = (2.8)%
  6. TSPi Plus = (3.3)%
  7. 1/3 each in C, S & I = (3.7)%
  8. TSPi Apex = (4.2)%
  9. S Fund = (4.2)%
  10. I Fund = (5.9)%