TSPinvestor Basic May 2016 Allocations

The TSPinvestor Basic allocations for May 2016 are:

3% G Fund; 8% F Fund; 20% C Fund; 51% S Fund; 18% I Fund

These should be allocated prior to May 2, 2016 at noon EST.  The Plus and Apex allocations will be released on May 7, 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 1.2%.

TSPinvestor Basic = 1.2%

50% C & S = 1.1%

1/3 each in C, S & I = 1.3%

20% in each fund = 0.9%

G Fund = 0.1%

F Fund = 0.4%

C Fund = 0.4%

S Fund = 1.7%

I Fund = 1.9%

() – 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.

May 2016 Allocations Graphic

Cumulative Returns Since Nov 2015

  1. F Fund = 3.1%
  2. G Fund = 1.0%
  3. C Fund = (0.7)%
  4. 20% in each fund = (1.3)%
  5. 50% in C & S = (2.0)%
  6. 1/3 in each C, S & I = (2.5)%
  7. S fund = (2.9)%
  8. TSPi Basic = (3.3)%
  9. I Fund = (4.0)%

TSP Investment Summary – Returns and Allocations

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Most days I’ll update this page to include the latest returns for the TSPi allocations (TSPi Basic, TSPi Plus and TSPi Apex), TSP funds and other investment strategies.  Information includes returns from: Yesterday (the last TSP business day); This Week which will also show “Last Week” on Monday; This Month; Last 30 Days; Last 60 Days and Since 1 Nov 2015 (when TSPi started).  Returns from the TSP G Fund, F Fund, C Fund, S Fund and I Fund are shown. Returns from the 50CS, CSI, C20, CF, SF, and PF allocation strategies are shown. Allocations are also shown.

Bookmark this page to have quick access to the information.

TSPinvestor Basic November 2015 allocations

The TSPInvestor Basic Thrift Savings Plan allocations for November 2015 are:

G Fund – 67%

F Fund – 30%

C Fund – 3%

S Fund – 0%

I Fund – 0%

Last month’s TSP returns were:

G 0.2%; F 0.0%; C 8.4%; S 5.6%; I 7.1%

This was the highest monthly return for the stocks in quite some time. The C had 7.4% and I had 3.5% in Sep 2013; the S had 7.0% in Oct 2011.

So the TSP Basic has no confidence the market will continue to gain in November 2015 and has most of the investment in G and F funds.

The TSPInvestor Basic has shown a nominal 12% annual return on its monthly allocations, that are based upon historical fund data only.

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 usually take effect the next business day. These allocations are meant to be done on the last business day prior to the 2nd of the month.

NOTE:  This was originally published on the 31st of October as a page .. I have copied it to here so it will appear as a blog post.Nov 2015 Allocations

TSPinvestor Plus November 2015 allocations

The TSPinvestor Plus is a nominal 19% annual return. It is allocated the last business day before the 10th of the month.

The recommended Thrift Savings Plan (TSP) allocations for November 2015 are:

G Fund – 10%

F Fund – 24%

C Fund – 12%

S Fund – 54%

I Fund – 0%

This is the first allocation recommendation ever done for the Plus.  I do have historical data and allocations that show the Plus has great potential.  But until it is shown here, recommending an allocation and then realizing the returns, it remains unproven.

Had a recommendation been done last month, it would’ve been 5% G, 13% F, 27% C, 55% S and 0% I. The returns since the 9th of last month were G 0.2%; F (0.7); C 4.4%; S 2.5%; I (0.2) with negatives in parenthesis.  This would’ve resulted in the TSPinvestor Plus return of 2.5%.Nov 2015 Allocations

TSPInvestor Basic and Plus Monthly Historical Returns

In looking at the performance of the TSPInvestor Basic and Plus allocations, a month-to-month comparison of these alongside the returns of the individual Thrift Savings Plan G, F, C, S and I funds is useful.  The chart of these is included below.

This information presumes that the Allocations for Basic and Plus were implemented at the start of the month and what the returns were at the end of the month for all the funds.

The formulas for Basic and Plus were derived using the historical data from January 2003 through September 2015.  And the data here is using that same data to “relive” history.

There is confidence this will work for future investing – however the detractors would say that the past is no indication of future performance in the stock and investing world.  We will see.

TSPInvestor Performance 1 TSPInvestor Performance 2 TSPInvestor Performance 3 TSPInvestor Performance 4 TSPInvestor Performance 5 TSPInvestor Performance 6