Thrift Savings Plan (TSP) Strategies

Discussions & news
1

Millions of current and former US Government employees have investments in the TSP. The intent of this topic is to promote discussions among investors about how investments should be allocated among the C, F, G, I and S Funds for the coming month given the prevailing economic environment. I intend to propose portfolio allocations prior to each month for discussion purposes.

Proposed allocations for December 2022:
Lower Risk: C 0%, F 0%, G 80%, I 10%, S 10%
Higher Risk: C 0%, F 0%, G 0%, I 100%, S 0%

2

Proposed allocations for January 2023:
Lower Risk: C 0%, F 0%, G 40%, I 30%, S 30%
Higher Risk: C 0%, F 0%, G 0%, I 50%, S 50%

4

Proposed allocations for February 2023:
Lower Risk: C 0%, F 0%, G 40%, I 35%, S 25%
Higher Risk: C 0%, F 0%, G 0%, I 60%, S 40%

5

Proposed allocations for March 2023:
Lower Risk: C 0%, F 0%, G 40%, I 35%, S 25%
Higher Risk: C 0%, F 0%, G 0%, I 60%, S 40%

6

Proposed allocations for April 2023:
Lower Risk: C 10%, F 10%, G 60%, I 10%, S 10%
Higher Risk: C 20%, F 20%, G 20%, I 20%, S 20%

7

Proposed allocations for May 2023:
Lower Risk: C 10%, F 10%, G 60%, I 10%, S 10%
Higher Risk: C 25%, F 25%, G 0%, I 25%, S 25%

8

Proposed allocations for June 2023:
Lower Risk: C 0%, F 0%, G 60%, I 20%, S 20%
Higher Risk: C 0%, F 0%, G 0%, I 50%, S 50%

9

Proposed allocations for July 2023:
Lower Risk: C 0%, F 0%, G 60%, I 20%, S 20%
Higher Risk: C 0%, F 0%, G 0%, I 50%, S 50%

10

Proposed allocations for August 2023:
Lower Risk: C 0%, F 0%, G 60%, I 20%, S 20%
Higher Risk: C 0%, F 0%, G 0%, I 50%, S 50%

11

Proposed allocations for September 2023:
Lower Risk: C 0%, F 0%, G 60%, I 20%, S 20%
Higher Risk: C 0%, F 0%, G 0%, I 50%, S 50%

12

Proposed allocations for October 2023:
Lower Risk: C 15%, F 10%, G 60%, I 0%, S 15%
Higher Risk: C 40%, F 20%, G 0%, I 0%, S 40%

13

A reminder that TSP Funds can also be purchased as:
C Fund = SPY or VOO
S Fund = VXF
I Fund = EFA or VEA
F Fund = AGG or BND
I plan to start using a short-term technical model in combination with the current longer term fundamental model to select the TSP Portfolio. I plan to post a date and the selected portfolio. This approach may generate several trades a month. Questions, comments or suggestions are encouraged, or post your own suggested portfolio here.

14

10/19/2023
C 100%

15

10/31/2023
F 100%

16

11/15/2023
G 100%

17

01/29/2024
S 33%, EFA 34%, C 33%

18

7/14/24
My strategies are not particularly effective given the five choices available at TSP.
S 30%, C 25%, I 20%, F 0%, G 25%