TSPinvestor Basic January 2017 Allocations

The TSPinvestor Basic allocations for January 2017 are:

15% G Fund; 31% F Fund, 3% C Fund, 42% S Fund, 9% I Fund.

These should be allocated prior to January 3, 2017 at noon EST.  The Plus and Apex allocations will be released on January 6, 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 a gain of 0.1%.

Monthly returns for November 2016:

I Fund = 3.4%

1/3 each in C, S & I = 2.3%

C Fund = 2.0%

50% C & S = 1.9%

S Fund = 1.8%

20% in each fund = 1.7%

G Fund = 0.2%

F Fund = 0.2%

TSPinvestor Basic = 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. S fund = 11.8%
  2. 50% in C & S = 10.7%
  3. C Fund = 9.3%
  4. 1/3 in each C, S & I = 7.3%
  5. 20% in each fund = 6.0%
  6. F Fund = 2.5%
  7. G Fund = 2.2%
  8. I Fund = (1.6)%
  9. TSPi Basic = (4.3)%
Advertisements

TSPinvestor Plus and Apex Allocations for December 2016

The TSPinvestor Plus and Apex allocations for December 2016 are:

Plus: 39% G Fund, 38% F Fund, 7% C Fund, 0% S Fund, 16% I Fund

Apex: Same as Plus.

These should be allocated prior to December 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 held with small losses of -1.0% and -1.3%, respectively. Not a good month, since the stocks went up significantly.

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

  1. S Fund = 9.5%
  2. 50% C & S = 7.1%
  3. 1/3 each in C, S & I = 5.5%
  4. C Fund = 4.1%
  5. 20% in each fund = 3.9%
  6. I Fund = 1.1%
  7. G Fund = 0.2%
  8. TSPinvestor Plus = (1.0)%
  9. TSPinvestor Apex = (1.3)%
  10. F Fund = (1.3)%

() – 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. S Fund = 14.0%
  2. 50% in C &S = 12.1%
  3. C Fund = 9.5%
  4. 1/3 each in C, S & I = 8.1%
  5. 20% in each = 6.5%
  6. F Fund = 2.3%
  7. G Fund = 2.0%
  8. TSPi Plus = (0.1)%
  9. TSPi Apex = (1.7)%
  10. I Fund = (2.2)%