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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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.  TSP Millionaire is no longer accepting new or renewed subscriptions.

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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.  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 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 subscribe or renew my subscription?

TSP Millionaire is no longer accepting subscriptions.

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