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: June 2012



How Developed is Korea? Greece?

MSCI last week conducted its annual market classification review of the countries in each of its indices.  MSCI, which stands for “Morgan Stanley Capital International,” determines the member countries of the EAFE “Europe, Australasia, Far East” index, on which the TSP’s I Fund is based.  Therefore any changes it decides to make to its indices can have a direct impact on TSP participants’ I Fund investment. While MSCI did not change the composition of the EAFE index this year, it … more

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The ‘Monster’ in the C Fund

Every few weeks, the S&P 500 announces the addition of new companies to the index.  These additions are announced as other S&P 500 member companies merge or shrink in size as they spin off operations or otherwise fail (think: Enron). This week, S&P 500 announced the addition of Monster Beverage Corp., the maker of dozens of highly caffeinated drinks such as Protean, Monster Energy, Super Dry, and Hammer.  (The ingredients for the latter include “nitrogenated coffee, concentrated skim milk, sugar, … more

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Rising Dividends Lift All Boats

In a previous post I calculated the return of an investment of $1,000 yearly over the past 40 years.  This would correspond to a person working from age 22 to 62, for example, or for those with foresight, a person investing from the age of 12 to 52 (parents, show this to your kids even if they will never pursue a career in government or in the military).  And these are real, actual returns, not an “average” of the returns … more

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First Roth TSP Contributions

Just over a month has elapsed since Thrift Savings Plan administrators implemented the Roth TSP.  For those who signed up for the Roth TSP as of the week of May 7th, the first biweekly contributions to the Roth TSP would have been made the week of May 28th. Unfortunately, TSP participants in other agencies and the uniformed services have been unable to participate.  Thus it is too early to discuss statistics in any meaningful way, since participation in the Roth … more

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TSP Annuity Rates: How Low Will They Go?

Thrift Savings Plan administrators recently announced that the interest rate for annuities purchased in June will be 2.125%.  This interest rate is unchanged since February, when it dropped from 2.150%.  This is an astoundingly low interest rate for an annuity, and it is a result of incredibly low interest rates since 2008. These rates appear to be headed even lower in the coming months.  With the continuing political turmoil in Europe and precarious debt burdens throughout the developed world, yield … more

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