Here are a number of additional useful links for any Thrift Savings Plan member, enjoy!

FERS Guide – The FERSGUIDE is a 69-page guide tailored to both federal agents and non 1811 federal employees. It enjoys a wide circulation among thousands of federal agents in more than 45 federal agencies and military commands. Each year, the FERSGUIDE is updated and expanded to cover more topics of interest to federal agents.

Gubmints – A personal finance site run by a Navy Veteran that aims to provide personal finance, benefits, and life advice for federal employees and veterans.

The Military Wallet – A personal finance website for military members, veterans and their families. Their goal is to help the military community better manage money and understand the variety of programs and benefits available to them.

Financhill – A free tool to help investors make better informed decisions regarding investment securities.


  • jeffrey pride

    Reply Reply November 15, 2014

    I was looking at my site and noticed your add for tsp help with investing. I desperately need help in the next 11 years because I am way behind. Trying to do this myself is taking up a lot of time and I’m not sure its getting me ahead. I need some help being smart with moves of funds and which to allocate to for any period of time. please email me back and discuss this with me further before I think about subscribing to your method. Thanks, jeff

    • Admin

      Reply Reply November 16, 2014

      Good to hear from you, we cannot give specific investment advice but please let us know any questions you have and we’ll do our best to help!

    • Bill

      Reply Reply November 20, 2015

      How much can you afford to lose. As you get closer to retirement and needing your investment, you need to be in non Risky funds. You should be putting in the maximum and if over 50 putting into TSP over 50 account. You should already have reduced your debt by no credit card debt you cannot payoff in less than 30 days.

      Are you a conservative risk taker or a high risk gambler?

      Most certified financial planners who look out for your interest recommend using the 100 rule based on your age. Meaning the younger you are the more you can afford to risk. For example if you are between 40 and 50 you should invest 60% in stocks and 40% in the G and F funds and vice versa if you are between 60 and 70 years old.

      It really depends on your lifestyle now and after you retire and being realistic and not in dreamland. Your lifestyle will change based on your debts and inflation and how your I future income is invested.

      I have a realistic approach at age 62 with a lot of background in financial management. Buy low and sell high. I use my gut and follow basic principles to make money. Before the Great Recession I was 100% invested in the G Fund and when the stock market hit rock bottom in March of 2009, Imoved half of my G Funds to the C Fund,. I changed my deposits to 50-50 between the G and C Funds. When the C Fund dollar per share went passed the G fund dollar per share, I went back to depositing 100% in G Fund maximum in Basic and Over 50 as before. The money in the C Fund was what I could afford to lose. Lastly, when the C Fund fully recovered to where it was before it started the decline in 2007′ not 2008.

      What kind of investor am I. An opportunist, smart money maker, and. Not a high risk taker at all. I am also not a gambler as a small percentage that is 100 % invested in stocks today. I don’t time the market because I am just not that good. I also have little stress by not being involved in emotional investment. Lastly when I retire at age 66, I will have enough income for both my wife and I to live on until we are a hundred years old. We continuously make smart lifestyle changes by changing I all the different insurance plans we have such as health and auto insurance mainly. We use only one credit card to pay all monthly bills and never carry a balance over 30 days. We also keep at least 6 months of our annual income in savings and mutual funds accounts and 2 year CDs for emergency use such as furloughs, large appliance replacement, and for a new car to replace one that is beyond economical repair where we only take out an interest free loan or pay cash.

      Jeff, my strategy is well planned for our lifestyle and everyone is different. No certified planner or advisor should be directing you in how to invest, if they do, they have their own agenda. I hope I at least gave you something to think about when making your own ecissions.

  • Deborah Waite

    Reply Reply December 1, 2014

    How do I donate?

  • Brent Robinson

    Reply Reply December 25, 2014

    When the market trends indicate a bear market; how do you feel about funds that short the market compared to “safe funds” such as government bonds?

    • Admin

      Reply Reply December 26, 2014

      I personally capitalize on what you just describe, however I believe a blanket strategy for “the average” investor might not be the best thing. It is a mute point in my opinion because the TSP doesn’t offer such a fund. I would personally like to see one though. Perhaps in 2016!

  • Kathy

    Reply Reply January 11, 2015

    I found your website in my search for an advisory service for the TSP. Your claim of increasing a 10K investment in 2003 to over 50K by 2013 peaked my interest. If my math is correct, that would be over a 15% annual return. Just wondering how you accomplished that between the C and G fund when the annual performance over that time period only exceed 15% in 3 or 4 years. Your claim sounds too good to be true. Can you tell me the dates you moved in and out so I can verify your claim before I invest my life’s savings in your method. I am happy to pay for your service

    • Admin

      Reply Reply January 13, 2015

      Thanks for writing in Kathy. All of that is explained in our newsletter once you subscribe, I cannot betray our paying subscribers. However, a lot of people believe that an investment system has to be this complicated mathematical algorithm when in actuality the best investment systems are very simple. While I’d love to take credit for the stellar returns our subscribers have had over the past two years, the real reason this newsletter makes it’s subscribers a tremendous amount of money is because it offers them confidence in their decisions to stay in the market or get out of the market. Our main focus with this newsletter is capital preservation and we simply take what the market gives us. If you are still considering our service I would recommend you subscribe and take advantage of our 30 day hassle free no questions asked trial period. If for whatever reason you do not understand our system or do not find it of value simply cancel and receive your money back. I hope this helps!

  • Matthew

    Reply Reply January 18, 2015

    Your TSP newsletter looks very interesting. However, I am a little concerned with only receiving a newsletter only once a month. In 2008 the C fund lost nearly 25% in only 2 weeks. (basically the last week of September and the 1st week in October) Depending on when the newsletter was sent in that month a lot of money would have been lost. Do you occasionally send out an “emergency” newsletter for extreme turns in the market?

    • Admin

      Reply Reply January 18, 2015

      You are not the only one who has expressed this concern. We constantly teach our subscribers that we are in this for the long haul and therefore need to take a bird’s eye approach to investing. Most investors jump in and out of markets based what they view as significant movement but what they do not take into account is the bigger picture. I will not divulge when our newsletter has entered the markets and exited the markets because our subscribers pay for that information. However, I can tell you that our system tracks major bear and bull markets. We simply cannot anticipate the peak of bull markets or the bottom of bear markets but we certainly come close. Our system avoided the 2008 crash before it happened and got our investors into the current bull market before it started.

      We really shy away from sending out updates during the month but have done so simply because subscribers were unsettled by the movements in the market. It’s certainly something we do not want to get in the habit of doing. Instead we’d rather you focus on the other things you find important and not trouble yourself over small market movements.

      • Matthew

        Reply Reply January 18, 2015

        Thank you for clarifying this.

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