Past Performance

As a proxy for the total market, many people use the S&P 500 Index , which measures the performance of 500 of the largest companies in the United States.  The objective of the Thrift Savings Plan's C Fund, according to www.tsp.gov, is "to match the performance of the Standard & Poor's 500 (S&P 500) Index."  As of the end of 2016, TSP Millionaire beat the C Fund, on average, three years in a row.

But the Thrift Savings Plan is not just composed of the C Fund.  It also has the G Fund that always goes up based on interest, which is not very much.  And the F Fund, which tries to match the performance of a Bond Index.  The S Fund tries to match an Index based on smaller U.S. companies, and the I Fund tries to match an Index based on international businesses.  There are also five L Funds, which automatically invest your Thrift Savings Plan account across the G, F, C, S, and I Funds.  Based on your expected decade for retirement, the L Funds become more conservative each year by placing a larger percentage in the G Fund.  As the L Funds are a mixture of the five core Funds, the L Funds can never beat all of them.  But essentially, the Thrift Savings Plan has 10 Funds you can choose from in which to invest your money.

As of the end of 2018,

TSP Millionaire Subscribers performed better than 9 out of the 10 Thrift Savings Plan Funds over the last 5 years.

In two of those five years, TSP Millionaire

beat all 10

Thrift Savings Plan Funds.

TSP Millionaire was started in March of 2013 based on a set of rules that indicated what Thrift Savings Plan Funds to invest in on a monthly basis.  Throughout 2013, we watched the market, and we developed a better, more responsive system based on daily analysis of the five TSP Funds.  At the beginning of 2014, we implemented this new system, which has now become the TSP Millionaire System.  Our TSPM System has now outperformed all of the TSP Funds two out of the five years since it was implemented and has a greater average return than nine of the TSP Funds over the five years.

TSP Millionaire wants you and every federal worker to feel the peace of mind that comes with knowing you will have enough in your retirement account at the end of your career in order to enjoy your retirement.

TSP Millionaire can not and does not promise to make you a millionaire, but for many federal employees, accumulating a million dollars or more in your Thrift Savings Plan account by the time you retire is entirely possible.  By actively managing your TSP account with the TSP Millionaire System, we believe you will achieve far greater returns than with any other strategy.

TSP Millionaire System* vs. Thrift Savings Plan Funds+: 2009 - 2018 Annual Returns

 

TSPM

System

G Fund F Fund C Fund S Fund I Fund
2009 53.91% 2.97% 5.99% 26.68% 34.85% 30.04%
2010 26.17% 2.81% 6.71% 15.06% 29.06% 7.94%
2011 21.90% 2.45% 7.89% 2.11% -3.38% -11.81%
2012 22.96% 1.47% 4.29% 16.07% 18.57% 18.62%
2013 18.72% 1.89% -1.69% 32.45% 38.36% 22.12%
2014 14.47% 2.31% 6.73% 13.78% 7.80% -5.27%
2015 2.49% 2.04% 0.91% 1.46% -2.92% -0.51%
2016 10.63% 1.82% 2.91% 12.01% 16.35% 2.10%
2017 10.46% 2.33% 3.82% 21.82% 18.22% 25.42%
2018 -3.88% 2.91% 0.15% -4.41% -9.26% -13.43%
Total 376.15% 25.52% 44.20% 244.54% 260.29% 87.38%

* TSPM System performance data from 2009 to 2012 are based on backtesting our old TSPM Monthly System. TSPM System performance data in 2013 are based on actual returns from our old TSPM Monthly System.  TSPM System performance data from 2014 onward are based on actual returns from our current TSPM System, which is based on daily analysis of the TSP Funds.

+ TSP Fund data is from www.tsp.gov.  TSP Millionaire is not associated with the Thrift Savings Plan or the United States Government.

Your Money

What do these numbers mean in terms of actual money?  Well, let's say you started at the beginning of 2009 with $10,000, and you never contributed another cent.  If you had invested it using the TSP Millionaire System or in any one of the five TSP Funds, at the end of 2018, you would have had, respectively:

TSPM

System

G Fund F Fund C Fund S Fund I Fund
$47,615 $12,552 $14,420 $34,454 $36,029 $18,738

Not bad for $11 per month.

Other Performance Measures

There are many other ways to measure investment performance over time.  The Thrift Savings Plan website also includes comparisons of Average Annual Returns, Monthly Returns over the Past 12 Months, and Year-to-Date Returns for the G, F, C, S, and I Funds as well as the L Funds.  So we have directly compared the TSP Millionaire System to the Thrift Savings Plan based on these same performance metrics.  The L Funds are not included here as they are comprised of different combinations of the main five Thrift Savings Plan Funds.  You can see their performance on the Thrift Savings Plan website here.

TSP Millionaire System vs. Thrift Savings Plan Funds: Average Annual Returns

(As of December 2018)

 

TSPM

System

G Fund F Fund C Fund S Fund I Fund
1-Year -3.88% 2.91% 0.15% -4.41% -9.26% -13.43%
2-Year 3.04% 2.62% 1.97% 7.91% 3.57% 4.20%
3-Year 5.51% 2.35% 2.28% 9.26% 7.67% 3.50%
4-Year 4.75% 2.27% 1.94% 7.26% 4.92% 2.48%
5-Year* 6.62% 2.28% 2.88% 8.53% 5.49% 0.88%
10-Year 16.89% 2.30% 3.73% 13.17% 13.68% 6.48%

* Average Annual Return since the current TSP Millionaire System was implemented.

TSP Millionaire System vs. Thrift Savings Plan Funds: Past 12 Monthly Returns

 

TSPM

System

G Fund F Fund C Fund S Fund I Fund
2018            
January 4.77% 0.20% -1.14% 5.72% 3.34% 5.00%
February -3.30% 0.21% -0.96%

-3.69%

-3.79% -5.07%
March -1.55% 0.24% 0.65% -2.55% 0.69% -0.76%
April 0.89% 0.23% -0.73% 0.38% 0.28% 2.01%
May -0.29% 0.24% 0.73% 2.41% 4.85% -2.13%
June 0.97% 0.24% -0.10% 0.61% 0.86% -1.20%
July 2.48% 0.25% 0.04% 3.72% 1.64% 2.45%
August 0.71% 0.26% 0.67% 3.26% 4.57% -1.91%
September -0.22% 0.24% -0.62% 0.57% -1.76% 0.91%
October -1.42% 0.26% -0.78% -6.84% -10.06% -7.94%
November 1.30% 0.26% 0.62% 2.04% 1.92% -0.13%
December -7.75% 0.26% 1.84% -9.03% -10.70% -4.82%
Total Return -3.88% 2.91% 0.15% -4.41% -9.26% -13.43%

 

TSP Millionaire System vs. Thrift Savings Plan Funds: 2018 Year-to-Date (As of December 31)

TSPM

System

G Fund F Fund C Fund S Fund I Fund
2.91%

0.15%

-4.41% -9.26% -13.43%

-3.88%

L

Income

L 2020 L 2030 L 2040 L 2050
0.71% -0.36% -3.58% -4.89% -6.02%

 

As you can see, the TSP Millionaire System has delivered fantastic results!  While we can't promise the same results in the future, we sure are going to try.  Visit our Subscribe page to sign up and start your TSP Millionaire journey today!

Subscribe!

 
 

 

 

 

 

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.