TSPinvestor Basic September 2016 Allocations

The TSPinvestor Basic allocations for September 2016 are:

14% G Fund; 44% F Fund; 33% C Fund; 0% S Fund; 9% I Fund

These should be allocated prior to September 1, 2016 at noon EST.  The Plus and Apex allocations will be released on September 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 0.2%.

Monthly returns for August 2016:

S Fund = 0.8%

50% C & S = 0.5%

1/3 each in C, S & I = 0.4%

20% in each fund = 0.3%

TSPinvestor Basic = 0.2%

I Fund = 0.1%

C Fund = 0.1%

G Fund = 0.1%

F Fund = (0.1)%

() – 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.

Cumulative Returns Since Nov 2015

  1. F Fund = 5.6%
  2. C Fund = 5.2%
  3. 50% in C & S = 5.0%
  4. S fund = 4.9%
  5. 20% in each fund = 3.2%
  6. 1/3 in each C, S & I = 3.0%
  7. TSPi Basic = 2.6%
  8. G Fund = 1.5%
  9. I Fund = (2.2)%
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TSPinvestor Plus and Apex Allocations for August 2016

The TSPinvestor Plus and Apex allocations for August 2016 are:

Plus: 8% G Fund; 13% F Fund; 44% C Fund; 9% S Fund; 26% I Fund

Apex: 100% C Fund.

These should be allocated prior to August 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 and Apex performance had gains of 3.5% for each.

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

  1. I Fund = 4.7%
  2. S Fund = 3.7%
  3. TSPinvestor Apex = 3.5%
  4. TSPinvestor Plus = 3.5%
  5. 1/3 each in C, S & I = 3.5%
  6. 50% C & S = 3.2%
  7. 20% in each fund = 2.5%
  8. C Fund = 2.5%
  9. G Fund = 0.1%
  10. F Fund = (0.6)%

() – denotes negative return (or a loss)

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

Cumulative Returns since Nov 2015:

  1. C Fund = 5.5%
  2. F Fund = 5.2%
  3. 50% in C &S = 4.9%
  4. S Fund = 4.3%
  5. TSPi Plus = 3.4%
  6. TSPi Apex = 3.4%
  7. 20% in each = 2.9%
  8. 1/3 each in C, S & I = 2.7%
  9. G Fund = 1.4%
  10. I Fund = (3.0)%