Since it consists of simple index funds, its a straightforward investment account that is accessible and understandable for all employees. We developed the tsp investors handbook especially to help you squeeze the most out of your. While many books cover various topics related to personal finance and investing, very little has been written specifically on investing in the tsp or on how to. In todays video we discuss the 7 steps that are crucial in building the foundation for choosing a tsp. Understand your thrift savings plan save and invest. The best federal tsp strategy federal thrift savings plan. The bestselling book on investing in the tsp welcome to tsp investing strategies, a datafocused site dedicated to exploring the benefits of saving and investing in the thrift savings plan. Combining these and other techniques, we optimize and adjust the. Sumgrowth strategies is a privately held company with a mission to help individuals improve their retirement prospects by providing stateoftheart automated investment strategy analysis and advice. The thrift savings plan tsp is a defined contribution plan for united states civil service employees and retirees as well as for members of the uniformed services.
Use these tables to view this funds prior share price history, monthly returns, and annual returns. This repo provides the data, scripts, and sample graphics cited in tsp investing strategies. Seasonal investing seasonal investment strategy seasonal investing is all about taking advantage of the seasonal tendencies of the market or individual stocks or sectors. Oct 27, 2011 a recently published book aims to help federal employees understand the thrift savings plan tsp and how to better make money using this valuable retirement preparation program. The 2nd edition of tsp investing strategies, published in early 2020, features significant updates and 50% more material to the bestselling 1st edition published in 2011. Tsp allocation strategies 2020 the best out there rich on money. The ultimate guide for 2019 the thrift savings plan tsp, used by federal civilian and military personnel, is one of the best retirement systems in the world. As background, i first outlined my ideas for the book. Thrift savings plan maximize your tsp portfolio choices and timing by following our professionals.
This book really gets you thinking, and has shaped many of my investing strategies. Tsp investing strategies, 2nd edition is now available. Building wealth while working for uncle sam, 2nd edition, and associated articles. Most of these tsp investing methods should work well if you regularly contribute to your thrift savings plan, ensure you are getting matching if its offered, and stick with the same tsp investing strategy over the long term. By combining these edges, weve created a systematic tsp investment strategy that has achieved superior riskadjusted returns. In this post i will run through a few of the investing rituals i go through at the beginning of every year, take a quick look back at. Start here if this is your first visit to the site for an explanation of what this is all about. Suppose, for example, that you have many years before retirement and you have determined that investing in the tsps stock funds is appropriate for your time horizon because of the potential for. This web site is dedicated to exploring the benefits of saving and investing in the thrift savings plan. Managing tsp investments is something that is discussed frequently in federal circles, but it can be hard to get objective advice. While many books cover various topics related to personal finance and investing, very little has been written specifically on investing in the tsp or on how to incorporate. Building wealth while working for uncle sam, 2nd edition, i have found that when using buyandhold approaches to investing in a balanced.
Furthermore, the world of employersponsored retirement plans is shifting more and more away from defined benefit plans, or what. Get a comprehensive analysis of the tsp funds, including each funds investment strategy, risks, rewards, and role in a diversified investment portfolio. Lee radcliffe is the author of tsp investing strategies 3. Has the current recession altered your advice in any way on investing in the tsp. The thrift savings plan is a huge asset for service members. Building wealth while working for uncle sam, 2nd edition, and associated.
Most of these tsp investing methods should work well if you regularly contribute to your thrift savings. Many investing books advocate a variety of allocationshalf in stock funds and half in bond funds, for example, or 75% in stock funds and 25% in bond fundsbut few provide basic methods to determine effective allocation strategies based on ones personal tolerance for risk, and fewer still are geared specifically to tsp investors. Updated and expanded 2nd edition coming in december 2019. The tsp is an incredible place to invest for a number of reasons, including extremely low fees, the match, and more. New book aims to help you make money in the tsp october 27, 2011. Building wealth while working for uncle sam, centered around a buyandhold, low. Unfortunately, too many of us fail to take full advantage of it.
If all cookbooks were written like most investing books, we would all starve. The book of answers for federal employees and retirees 5th edition. The tracked strategies include buying and holding the tsps c, s or l funds, a balanced portfolio of 60% stocks 30% c, 30% s and 40% bonds f fund, following the tsp recommendations of wellknown. Before you decide on a tsp investment strategy, you must first build the foundation. Building wealth while working for uncle sam, 2nd edition follow the project at. I wrote an e book recently, detailing all of the financial decisions i should have made in my first enlistment. To add this to your my strategies list, click the icon to open the selectastrategy popup window and select tsp thrift savings plan from the list. An overview of the business cycle, which investments do well during each phase, and how we apply that knowledge in our thrift savings plan allocation strategy. I was not planning on building my own tradingday almanacs, but i decided i needed. Tsptiming thrift savings plan investing strategies to. Federal thrift savings plan automated investment advice. Seasonal investing seasonal investment strategy tsp smart.
I unloaded the contents of my book bag and organized the clutter into neat piles. The best tsp strategy requires a better understanding of. Nov 23, 2015 before you decide on a tsp investment strategy, you must first build the foundation. Changing strategies or funds often is a recipe for low returns. Suppose, for example, that you have many years before retirement and you have determined that investing in the tsp s stock funds is appropriate for your time horizon because of the potential for higher longterm returns. In the tsp folio strategy, we never allocate more than 60% of the portfolio to the tsp stock funds. I have changed my tsp allocation and transferred existing balances to 50% c fund, 50% i fund. The 7 steps to choosing a tsp investment strategy fed. This site is dedicated to exploring the benefits of saving and investing in the thrift savings plan the companion book, tsp investing strategies. The tsp s costs cant be beat in a world where 1% management fees are alarmingly common, the thrift savings plan is a model of efficiency. Unlike others, we believe lower risk while result in larger nest egg in the long run. The best tsp allocation strategy is simple to execute and low risk. Best performing federal tsp strategy a a thrift savings plan.
Service members have access to one of the lowestcost ways to save for retirement. It is the rough equivalent of a 401k for military and civil service employees. Our goal is to maximize your federal thrift savings plan return. You can think of each of the techniques that we apply in the tsp folio strategy momentum investing, trendfollowing, volatility targeting as a small information edge. An extremely accessible, easily understood primer that simply and precisely explains the options and what they mean, tsp investing strategies, 2nd edition, establishes a comprehensive road map for tsp investors to build greater wealth over the long term. Charles paynes wall street strategies offers stock picks, investment advice, premium stock market research, trading reports, free stock market commentary and a searchable database of propreitary. Mar, 2020 in research i present in tsp investing strategies. Sumgrowth strategies, llc and its sectorsurfer service is not associated with or sponsored by the federal tsp thrift savings plan. Thrift savings plan investing strategies to maximize your wealth the federal thrift savings plan tsp is by its nature a doityourself endeavor.
Plan overview the tsp essentially serves as the government version of a 401k for civilian and military federal employees. These strategies could make you a military millionaire. The thrift savings plan tsp, which is like a 401k for members of the military and federal employees, makes it easy to. Jan 14, 2019 military millionaire strategies first term wealth. The tsp has implemented longawaited new withdrawal options and while the investment choices are still limited compared to an ira, the program is still. A book about the history and detailed strategies on investing in the thrift savings plan. Government bond, calculated monthly, as a proxy for the tsp s g fund.
How to avoid these 7 thrift savings plan mistakes tsp funds. Jun 09, 2017 this feature is not available right now. The best tsp strategy requires a better understanding of tsp funds to eliminate the weaker funds all the time. Tsp investing strategies by w lee radcliffe, 9781461155348, available at book depository with free delivery worldwide. Since beginning government service, he has researched the history of the tsp and different investing methods, and after testing a range of strategies using data from past bull and bear markets he devised the five strategies featured in tsp investing strategies. Building wealth while working for uncle sam primarily for neophyte investors who are not familiar with the tsp. His baby steps for getting out of debt are legendary. Charles paynes wall street strategies offers stock picks, investment advice, premium stock market research, trading reports, free stock market commentary and a searchable database of propreitary stock opinions. The investing decisions you make for your tsp will shape your.
Im not here to tell you which tsp investment strategy is best, thats a fools errand. I want to give you some brief snippets, but you can download the whole e book for free here. Seasonal investing is all about taking advantage of the seasonal tendencies of the market or individual stocks or sectors. Aug 19, 2011 tsp investing strategies by w lee radcliffe, 9781461155348, available at book depository with free delivery worldwide. The investing decisions you make for your tsp will shape your retirement. May 12, 2019 the thrift savings plan tsp, used by federal civilian and military personnel, is one of the best retirement systems in the world. The thrift savings plan is a defined contribution plan similar to a 401k. The best book for you to read before you venture into picking individual stock. No, the current recession actually reinforced my adherence to the strategies. Whether you are just now enrolling in the thrift savings plan tsp or you are looking for tips on investing in the tsp funds, learning how the plan works and how it benefits participants is a wise place to start. If you move your money out of your tsp stock funds when the market starts to dip, you may miss out when it bounces back.
Managing your tsp account through coronavirus turbulence march, 2020. I was not planning on building my own tradingday almanacs, but i decided i needed to see the data myself. And in addition, i began a strategy of keeping my pickup trucks for a long time. Managing tsp investments is something that is discussed frequently in federal circles, but it can be hard to get objective advice for your particular situation.