2020 returns through 9/28/20: C Fund +5.12%; TSP Timing Annual System +55.87%; TSP Timing Election Cycle System +109.45%!

A Thrift Savings Plan Investing Strategy to Maximize Your Wealth

The current TSP Timing strategy has outperformed the C fund for 16 straight years, and is on track to do it again in 2020. 

The Compound Annual Return from 2004-19 was 31.68%

The Federal Thrift Savings Plan (TSP) is by its nature a do-it-yourself endeavor.  The investing decisions you make for your TSP will shape your retirement.

  • How have your past TSP returns compared to your goals?
  • Are you ahead or behind schedule?
  • Do you often wish you could do better?

TSP Timing offers a unique and unrivaled investing strategy that could allow you to achieve the return on your TSP investments that you’ve only dreamed of, on your own, and do it stress-free!  Have you seen the articles about the Thrift Savings Plan millionaires?  You can not only become one, you can do so no matter what your salary is, and you could achieve it faster than using buy-and-hold strategies.

“Your timing method gives us an edge, and it reduces risk for the same amount of gain because we’re not long on stocks 100% of the time.  That fact by itself adds value!….keep up the great work!  – M.S., Maryland

The current TSP Timing system has out-performed the return of the C fund (the TSP’s S&P 500 Index fund) for sixteen consecutive years through 2019.  That’s one year better than the record setting fifteen consecutive years achieved by the legendary investor Bill Miller during the 1990s.  The current system was introduced in mid-2020.  The new system is much simpler then the prior “Enhanced” system (which also had great returns but was more complicated).  The chart below shows how the new TSP Timing strategy (top line) performed since January 1, 2004.  Note:  The new system went “live” on June 29, 2020.  All returns prior to that date are “back-tested”, but the exact same rules that worked in the past will continue to be used going forward.  The system uses time-tested methods used by many legendary market timers/advisors which have been shown to outperform the returns of the S&P 500 over time.

The TSP Timing system uses about 20 intrafund transfers per year, is in stocks (the C, S, or I funds) only about 75% of the time, and yet from 2004-2019 the back-tested results achieved an amazing compound annual return of over 31%!  How did your returns compare to these results?

TSP Timing answers the question:  When I retire, should I stay with the TSP or roll over to an IRA?

Are you thinking of rolling over your Thrift Savings Plan to an Individual Retirement Account (IRA)?  Think carefully.  About half of Federal retirees do roll over their accounts to an IRA, however with the strategy provided by TSP Timing you’ll see why it makes perfect sense to leave your money in the TSP and take advantage of the TSP’s ultra-low fees that no external IRA can match.  By staying with the TSP you also won’t be tempted by chasing hot stocks and strategies that could ultimately destroy your savings.  Why take that risk?

“I don’t often write but thought I would with a question about rolling my IRA back into the TSP.  I am 62 and am retiring end of this Sep and planning on doing some part-time contract work for a few years.  Roughly two years ago, I transferred most of my TSP into a managed IRA.  Now I’m thinking of transferring it back into the TSP.  Why?  I believe I would have done better staying in the TSP.”

– Comment by John, on the TSP Strategy Group on June 18, 2019

It may possible to do better than you can do with the TSP if you use Exchange Traded Funds (ETFs) outside of the TSP, but you have to use the right ETFs, the right broker, and the right strategies.  One big advantage with using ETFs is that you can “short” the market during bear markets, but you better get the timing right, and no one can do that consistently.  (Note:  It’s possible to use the TSP Timing strategy in any account, and since outside of the TSP you wouldn’t be restricted to the limit of two intrafund transfers per month, there are ways to do even better outside the TSP, but is it really necessary to risk that when you can achieve great returns in the TSP?)

“What you have put together is really great (really worth the money paid) and has helped me tremendously.” – J.S., Maryland

“Thanks again for the product.  I was up reading it last night, and I got to admit, this is VERY IMPRESSIVE! I haven’t put pen to paper yet or started working in the Excel worksheets, but I am blown away at all that you did. Thank you for putting this together.” – W.V., California

TSP Timing is very unique.  Unlike other Thrift Savings Plan investing advisory services you won’t need to shell out money every month/quarter/year for an endless subscription.  Instead, with just a small one-time purchase you will receive all the information you need in a single email with a spreadsheet (Microsoft Excel Workbook) and instruction manual to set your TSP on auto-pilot for the rest of your career and retirement years.  Then you can ignore the news, sleep better, and enjoy the life you dream of instead of worrying about the next stock market collapse.

Stock Market Collapses

You’re skeptical, and that’s good.  Continue on and you’ll learn why this is for real, not a hocus-pocus snake-oil sales pitch.

TSP Timing is not affiliated with or sanctioned by the United States government, the Federal Retirement Thrift Investing Board, or the Thrift Savings Plan.  There are no guarantees that past performance will match future results.