Frequently Asked Questions

How often are new recommendations posted?

The TSP Millionaire System recommendations are based on our daily analysis of the Thrift Savings Plan Funds, and so they are not able to be posted on any set schedule.  They could be one day apart or three months apart.  Often, there is at least one per month, but not always.  In January, we had two.  It all depends on the daily analysis.  There will always be a notification email sent to subscribers when a new recommendation is posted.

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What time of day will a new recommendation be posted?

The earliest that TSP Millionaire will post a recommendation is after the Thrift Savings Plan posts its daily results, which is usually around 6:00pm Eastern Time.  The latest that TSP Millionaire will post a recommendation is before the opening of the stock market, which is at 9:30am ET.  TSP Millionaire will only post recommendations between these times.  A recommendation posted between these times is meant to be implemented before 12:00pm ET.

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What does a 1-year subscription include?

A 1-year subscription to TSP MILLIONAIRE includes 12 monthly recommendations for investing in the TSP Funds based on our adaptive algorithm. You can extend your subscription by renewing it on an annual basis or by receiving free 1-month extensions. You will receive one month free for each TSP MILLIONAIRE subscriber who lists you as a referral when they subscribe to our service.

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Does my subscription automatically renew?

No.  At this time, you must manually renew your annual TSP Millionaire subscription to maintain your access to TSPM's Monthly and Variable Recommendations for your Thrift Savings Plan (TSP).  But don’t worry about missing one of our recommendations.  We will send you a reminder when you are near the end of your subscription so that you can renew it before it expires.

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Why can't I see the Current Recommendation when I login?

If you can login to TSP Millionaire but you cannot see the Current Recommendation, your subscription has expired.  To view the new Recommendations, renew your subscription under the My Account link when you are logged in.  If you think your subscription should not have expired yet, please Contact Us.

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Why didn’t I receive my reminder email?

Try to check your spam folder and see if the message is in there.  If it is, see if there is a way to label it "Not Junk" or something similar.  This will hopefully teach your email program that you want these messages to appear in your inbox.  Also, please add "info@tspmillionaire.com" to your safe senders list, and check to be sure it is not specifically being blocked either.  Finally, if your email program just will not put our messages in your inbox, you can try to force the issue by creating a filter or a rule.  It may be called something different in different email programs.  But essentially, you create the filter or rule for email coming from "info@tspmillionaire.com" and that you always want it to go to your inbox, or into another folder of your choosing.  Please let us know if you need help with this.

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What is your cancellation policy?

Subscribers may cancel at any time for a prorated refund on a per month basis.  Simply contact us at info@tspmillionaire.com or send us a note from our Contact Us page.  When we receive your cancellation request, we will refund a prorated amount of your subscription fee based on the length of time you have been a subscriber.  The refund will be in the form a PayPal refund or a check.  Insure the address you have in your profile is where you would like your refund sent.

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How do new subscribers list me as a referral so that I get a free 1-month extension to my subscription?

The new subscriber that you referred must list you as a referral where indicated on the sign up page when they subscribe to TSP Millionaire. Free 1-Month Extensions will be incorporated into existing subscriptions either monthly or before the next recommendation is posted.

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How should I invest my contribution allocation?

People have different thoughts on this, but here's what I think.  Let's say someone has been working 5 to 10 years with the federal government and has over $50,000 in their Thrift Savings Plan.  Obviously, which TSP Funds their existing money is invested in makes a big difference in what their annual return on that money will be.  As for their current contributions, if they max out the amount they put in their TSP, which now is at $18,000 per year, the most they will put into their TSP on a bi-weekly basis is about $692, plus a little more with the matching 5%.  So let's say an even $800.  Now let's say the market is doing well and they make 2% in two weeks.  They would add $1,000 (2% x $50,000 currently in TSP) to their existing balance, and would add $16 (2% x $800 of new contributions) to the money they just put in.  All together, they would have

 
   $50,000        +        $1,000            +          $800            +             $16             =       $51,816.
(old money)      (return on old money)      (new money)      (return on new money)
 
So, their balance increased by $1,816, or 3.63%.  Now let's say they had their new money allocated only to the G Fund, and in the same two weeks, it only went up 0.1% (which is fairly typical).  0.1% of $800 is $0.80.  So after the two weeks, they would have $51,800.80.  So their balance increased by $1,800.80, or 3.60%.  
 
So there is not much difference between investing new contributions in exactly the same way as investing existing funds as opposed to investing new contributions into a single fund like the G Fund.  Obviously, you won't make much more if you invest this way and the market goes up, and you won't lose much if you invest this way and the market goes down.  However, this analysis is only applicable when someone's entire TSP balance is regularly adjusted with interfund transfers so that the new allocations are incorporated into the Funds where the existing balance is being invested.  With the TSPM Monthly and TSPM Variable Systems, interfund transfers usually happen at least once a month or more.
 
Personally, I change my allocation to match which Funds I am investing my total balance in.  But if I were to just leave the allocation of new money alone and only change which Funds my existing money is invested in by making interfund transfers, the result would be about the same.  Because they are so similar, TSPM does not suggest that one way is really any better than another.
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You call the TSP Millionaire System “adaptive.” What does that mean?

TSP Millionaire defines an “adaptive system” as a system that follows a set of rules that can change based on new information. We continually strive to improve our TSPM System's Performance, so our rules may change, or adapt, over time.

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Are TSP Millionaire and its employees registered investment advisers?

No, we are not registered investment advisers, certified financial planners, accountants, stockbrokers, or any other type of licensed financial advisor. We offer subscribers access to our Monthly and Variable Recommendations for how we invest in the Thrift Savings Plan (TSP) and how we believe others (current and former Federal Employees who are enrolled in the Thrift Savings Plan) can invest their own TSP retirement accounts to increase their returns.

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What does "TSPM" stand for?

TSPM is short for TSP Millionaire.

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HOW DO I START?

1. Subscribe to TSP Millionaire.
2. Login after receiving a reminder email and view our new Recommendation.
3. Login to your TSP account and transfer funds in line with the Recommendation.

IT'S THAT EASY!

Subscribe to TSP Millionaire for valuable recommendations to increase your return on your Thrift Savings Plan for Federal Employees retirement accounts.