Welcome to TSP Strategies

Welcome to TSPstrategies.com! This Web site is dedicated to exploring the benefits of saving and investing in the Thrift Savings Plan.

The companion book, TSP Investing Strategies: Building Wealth While Working for Uncle Sam, lays out a simple set of strategies for long-term, buy-and-hold investors to consider while investing in the TSP. This Web site and accompanying blog will build on those concepts, while focusing on new investing options and developments related to the TSP.

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Monthly Archives: April 2012

Apr


30

Debt and the TSP

When using strategies to build wealth, personal debt and the Thrift Savings Plan go hand-in-hand.  That is to say that personal debt can act as a significant barrier to building wealth, while the TSP offers a powerful means to build up wealth over time.  Ultimately, the less debt a person has – the fewer payments a TSP investor must budget for each month – the more he or she can put toward the TSP and other wealth-building contributions and toward … more

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Apr


29

Sell in May and Go Away, part 2

After charting the C Fund before and after May as part of an investigation into the investing adage “sell in May and go away,” I also charted the S Fund and I Fund before and after May to compare how they performed most recently in 2006-2011. Overall, the S and F Funds appeared to perform similarly to the C Fund, although in most years they began to decline either several weeks before or after the C Fund.  They also fluctuated … more

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Apr


23

Sell in May and Go Away?

There is an old investing adage to “sell in May and go away” – suggesting that stock markets do well in the first part of the year according to this saying, while they sometimes swoon in the summer months through August and September. Two academics – Ben Jacobsen of the New Zealand Institute of Advanced Study and Sven Bouman of Saemor Capitol – studied the phenomenon in their 2001 article “Halloween Indicator, ‘Sell in May and Go Away’.”  The authors … more

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Apr


19

Would DoD Ever Match Service Members’ TSP Contributions?

In February 2010, the Office of the Secretary of Defense issued a “Report to the Congress” titled Cost and Impact on Recruiting and Retention of Providing Thrift Savings Plan Matching Contributions.  The report was a little-noticed product of the June 2009 Thrift Savings Plan Enhancement Act, which empowered TSP administrators to establish a Roth TSP and separately called for the consideration of a TSP “mutual fund window”. A provision in the 2009 Act also included a “Sense of Congress” stating … more

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Apr


18

TSP Funds Surpass $300 Billion in Assets

According to January 2012 statistics, the Thrift Savings Plan exceeded $300 billion in assets, coming to a little over $302,142,000,000 at the end of the month.  The amount was a combination of TSP participants’ contributions and growth in the various funds. With 4,538,000 participants, that works out to an average of $66,580 per TSP account holder.  Of course, with one participant having over $4 million in his or her TSP account, and with hundreds of others with over $1,000,000, not … more

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