TSPinvestor Plus and Apex Allocations for October 2016

The TSPinvestor Plus and Apex allocations for October 2016 are:

Plus: 21% G Fund; 79% F Fund; 0% C Fund; 0% S Fund; 0% I Fund

Apex: 100% F Fund.

These should be allocated prior to October 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 and Apex performance held with essentially no gains of 0.01% and -0.02%, respectively.  NOTE: This performance includes a the allocation day (9 Sep 2016) which had huge losses — this day was actually under the previous month’s allocation.  Had it been under the recommended allocation, the losses would have been avoided.

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

  1. C Fund = 1.4%
  2. 50% C & S = 1.3%
  3. S Fund = 1.1%
  4. 1/3 each in C, S & I = 0.9%
  5. 20% in each fund = 0.7%
  6. G Fund = 0.1%
  7. I Fund = 0.0%
  8. TSPinvestor Plus = 0.0%
  9. TSPinvestor Apex = 0.0%
  10. F Fund = 0.0%

() – 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. F Fund = 5.0%
  2. C Fund = 4.6%
  3. 50% in C &S = 4.5%
  4. S Fund = 4.4%
  5. 20% in each = 3.0%
  6. 1/3 each in C, S & I = 2.8%
  7. TSPi Plus = 2.0%
  8. G Fund = 1.7%
  9. TSPi Apex = 1.0%
  10. I Fund = (1.7)%
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TSPinvestor Basic October 2016 Allocations

The TSPinvestor Basic allocations for October 2016 are:

6% G Fund; 21% F Fund; 18% C Fund; 25% S Fund; 30% I Fund

These should be allocated prior to October 3, 2016 at noon EST.  The Plus and Apex allocations will be released on October 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 September 2016:

I Fund = 1.2%

S Fund = 0.9%

1/3 each in C, S & I = 0.7%

50% C & S = 0.5%

20% in each fund = 0.5%

TSPinvestor Basic = 0.2%

G Fund = 0.1%

C Fund = 0.0%

F Fund = 0.0%

() – 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. S fund = 5.8%
  2. F Fund = 5.6%
  3. 50% in C & S = 5.6%
  4. C Fund = 5.3%
  5. 20% in each fund = 3.8%
  6. 1/3 in each C, S & I = 3.8%
  7. G Fund = 1.7%
  8. TSPi Basic = 1.1%
  9. I Fund = (1.0)%