TSPinvestor Basic February 2018 Allocations

The TSPinvestor Basic allocations for February 2018 are: 26% G Fund, 25% F Fund, 15% C Fund, 34% S Fund, and 0% I Fund.

These should be allocated prior to February 1, 2018 at noon EST, or as soon as possible.  The Plus and Apex allocations will be released on February 8, 2017.

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 3.7%.

Monthly returns for January 2018:

  1. C Fund = 5.7%
  2. I Fund = 5.0%
  3. 1/3 each in C, S & I = 4.7%
  4. 50% C & S = 4.5%
  5. TSPinvestor Basic = 3.7%
  6. S Fund = 3.3%
  7. 20% in each fund = 2.6%
  8. G Fund = 0.2%
  9. F Fund = (1.1)%

() – 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. C Fund = 40.8%
  2. 50% in C & S = 38.8%
  3. S fund = 36.6%
  4. 1/3 in each C, S & I = 36.0%
  5. I Fund = 29.6%
  6. 20% in each fund = 23.1%
  7. TSPi Basic = 18.5%
  8. F Fund =5.2%
  9. G Fund = 4.8%
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TSPinvestor Plus and Apex Allocations for January 2018

The TSPinvestor Plus and Apex allocations for January 2018 are:

Plus: 42% G Fund, 44% F Fund, 7% C Fund, 0% S Fund, 7% I Fund

Apex: Same as Plus.

These should be allocated prior to January 9, 2018 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 – each had gains of 1.5%.

Here is a comparison of the various allocations and funds performance for December 2017:

  1. I Fund = 4.8%
  2. 1/3 each in C, S & I = 3.9%
  3. C Fund = 3.7%
  4. 50% C & S = 3.5%
  5. S Fund = 3.2%
  6. 20% in each fund = 2.3%
  7. TSPinvestor Apex = 1.5%
  8. TSPinvestor Plus = 1.5%
  9. G Fund = 0.2%
  10. F Fund = (0.1)%

() – 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 = 36.9%
  2. 50% in C & S = 36.0%
  3. S Fund = 34.8%
  4. 1/3 each in C, S & I = 33.0%
  5. I Fund = 26.3%
  6. 20% in each = 21.6%
  7. TSPi Plus = 16.8%
  8. TSPi Apex = 15.8%
  9. F Fund = 6.1%
  10. G Fund = 4.6%

* November 2015 is the start of TSPinvestor.

TSPinvestor Basic January 2018 Allocations

The TSPinvestor Basic allocations for January 2018 are: 5% G Fund, 11% F Fund, 28% C Fund, 32% S Fund, and 24% I Fund.

These should be allocated prior to January 2, 2018 at noon EST, or as soon as possible.  The Plus and Apex allocations will be released on January 7, 2017.

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 0.8%.

Monthly returns for December 2017:

  1. I Fund = 1.6%
  2. C Fund =1.1%
  3. 1/3 each in C, S & I = 1.1%
  4. 50% C & S = 0.8%
  5. TSPinvestor Basic = 0.8%
  6. 20% in each fund = 0.8%
  7. S Fund = 0.5%
  8. F Fund = 0.5%
  9. G Fund = 0.2%

() – 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. C Fund = 33.2%
  2. 50% in C & S = 32.8%
  3. S fund = 32.2%
  4. 1/3 in each C, S & I = 29.9%
  5. I Fund = 23.4%
  6. 20% in each fund = 20.0%
  7. TSPi Basic = 14.2%
  8. F Fund =6.4%
  9. G Fund = 4.6%

TSPinvestor Plus and Apex Allocations for August 2017

The TSPinvestor Plus allocation for August 2017 are:

Plus: 3% G Fund, 9% F Fund, 29% C Fund, 36% S Fund, 23% I Fund

Apex: Same as Plus.

These should be allocated prior to August 9, 2017 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 1.1% and 0.9%, respectively.

Here is a comparison of the various allocations and funds performance for July 2017:

  1. I Fund = 4.0%
  2. 1/3 each in C, S & I = 2.3%
  3. C Fund = 2.2%
  4. 20% in each fund = 1.6%
  5. 50% C & S = 1.4%
  6. TSPinvestor Plus = 1.1%
  7. TSPinvestor Apex = 0.9%
  8. F Fund = 0.9%
  9. S Fund = 0.6%
  10. G Fund = 0.2%

() – 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 = 22.2%
  2. 50% in C &S = 21.2%
  3. S Fund = 19.9%
  4. 1/3 each in C, S & I = 19.6%
  5. I Fund = 15.6%
  6. 20% in each = 13.8%
  7. TSPi Plus = 7.1%
  8. F Fund = 5.8%
  9. G Fund = 3.6%
  10. TSPi Apex = 3.6%

* November 2015 is the start of TSPinvestor.

TSPinvestor Plus and Apex Allocations for September 2016

The TSPinvestor Plus and Apex allocations for September 2016 are:

Plus: 25% G Fund; 75% F Fund; 0% C Fund; 0% S Fund; 0% I Fund

Apex: 100% F Fund.

These should be allocated prior to September 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 1.2% and 0.4%, respectively.

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

  1. I Fund = 3.7%
  2. S Fund = 1.9%
  3. 1/3 each in C, S & I = 1.9%
  4. 20% in each fund = 1.4%
  5. TSPinvestor Plus = 1.2%
  6. 50% C & S = 1.2%
  7. TSPinvestor Apex = 0.4%
  8. C Fund = 0.3%
  9. G Fund = 0.1%
  10. F Fund = 0.1%

() – 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 = 6.3%
  2. 50% in C &S = 6.1%
  3. C Fund = 5.8%
  4. F Fund = 5.4%
  5. 1/3 each in C, S & I = 4.6%
  6. TSPi Plus = 4.3%
  7. 20% in each = 4.3%
  8. TSPi Apex = 3.5%
  9. G Fund = 1.6%
  10. I Fund = 0.6%

confirmation of allocating on the 9th

The TSPinvestor Plus is partially based upon economic data that has a release date as late as the 8th of the month.

The development of the Plus model/formula was done using the TSP fund data from the end of the month, not the 9th. I needed to verify that using the returns/gains from the 9th of the month would be nominally the same.

And so I set forth to verify. I computed the TSP monthly gains for each fund on the last business day prior to the 9th (which would allow for reallocation on the 9th). I ran these through the existing model/formula, and was surprised that it actually made the annual return rate improve by 0.5%.

So I am comfortable with allocating the Plus on the 9th of the month.

I might at some point recompute the model/formula based upon the new data – and it may improve the returns. But for now I’m leaving it as is.

proof is in the pudding

I developed the model/formulas for the Basic and Plus in late September and October 2015 – and I want proof that they work in future investing.  So I have set forth with that goal. Part of my motivation for creating this website is to share the monthly allocations from the Basic and Plus, gathering data showing their performance, and proving their worth.

This will be a time-tested process. And it may take a year to show proof that it works as expected.

However, I have decided that my own personal TSP investing strategy will be with the Plus – and I’m doing it immediately. In scouring over the data of simulating returns in the last decade or so, I believe the Plus will provide excellent protection from big downturns in the market, while taking advantage of the gains.  And so I’ve already moved my money.

What will you do?  Try looking the historical data, and annual return comparison. It might be right for you too.  Let me know what you think. I’m all ears.