Year¹	TSP Coach
2005	2.66%
2006	2.46%
2007	2.82%
2008	4.10%
2009	1.85%
2010	6.00%
2011	5.89%
2012	1.89%
2013	2.71%
2014	2.50%
2015	3.69%
2016	2.91%
2017	0.90%
2018	4.38%
2019	3.76%
2020	8.01%
2021	3.02%
2022	6.07%
2023	4.62%
2024	1.51%
As of:	06/13/2025

L Income	L 2025	L 2030	L 2035	L 2040	L 2045	L 2050	L 2055	L 2060	L 2065	G Fund	F Fund	C Fund	S Fund	I Fund
										0.04%	0.84%	2.16%	3.32%	2.77%
0.37%		1.48%		1.70%						0.04%	0.73%	1.56%	3.06%	2.60%
0.49%		1.90%		2.16%						0.05%	0.73%	2.68%	3.00%	2.77%
1.29%		4.72%		5.40%						0.05%	1.69%	5.82%	7.61%	7.47%
1.36%		4.78%		5.45%						0.03%	0.92%	6.16%	7.12%	7.65%
1.07%		3.91%		4.49%						0.04%	0.80%	5.32%	6.07%	6.56%
0.95%		3.38%		3.89%						0.04%	0.64%	4.41%	6.00%	5.43%
0.65%		2.30%		2.64%						0.01%	0.56%	2.91%	3.44%	4.59%
0.51%		1.68%		1.94%						0.03%	0.88%	2.35%	2.89%	3.29%
0.49%		1.61%		1.87%						0.01%	0.63%	2.28%	3.48%	2.71%
0.71%		2.36%		2.72%						0.02%	0.82%	3.78%	3.58%	4.11%
0.59%		1.96%		2.29%						0.02%	1.03%	2.84%	4.47%	3.47%
0.16%		0.50%		0.59%						0.01%	0.43%	1.09%	1.42%	1.17%
0.77%		2.34%		2.79%						0.02%	0.86%	4.24%	4.92%	3.45%
0.69%		2.06%		2.47%						0.03%	0.95%	3.56%	4.68%	3.16%
1.63%		4.54%		5.43%						0.03%	0.95%	7.18%	10.19%	7.30%
0.62%	1.21%	1.61%	1.76%	1.91%	2.05%	2.18%	2.63%	2.63%	2.63%	0.02%	0.79%	3.05%	3.29%	2.76%
1.59%	2.62%	3.79%	4.16%	4.52%	4.83%	5.13%	6.05%	6.05%	6.06%	0.07%	2.34%	6.21%	6.87%	6.42%
1.21%	1.72%	2.76%	3.04%	3.31%	3.54%	3.76%	4.39%	4.39%	4.39%	0.04%	2.35%	4.07%	6.44%	4.60%
0.36%	0.45%	0.75%	0.82%	0.88%	0.94%	1.00%	1.23%	1.23%	1.23%	0.13%	0.39%	1.51%	1.85%	0.77%
¹Life starting dates for TSP funds are August 31, 2004. TSP Coach strategy has been in use since August 2004.

Year	TSP Coach
Initial	$10,000
2005	$11,002
2006	$13,440
2007	$14,758
2008	$13,652
2009	$15,894
2010	$19,804
2011	$19,577
2012	$24,250
2013	$32,748
2014	$36,579
2015	$37,192
2016	$38,589
2017	$46,277
2018	$43,715
2019	$56,723
CAGR	12.27%
CAGR L10Y	11.10%
CAGR L5Y	8.81%
CAGR L3Y	7.02%

TSP X1^	TSP X2^	TSP Z*	TSP V*	TSP U*	TSP T*	TSP R*^	TSP Q	TSP P*
$10,000	$10,000	$10,000				$10,000	$10,000	$10,000
$10,460	$11,140	$11,920		$11,002	$11,002	$11,665	$10,414	$10,755
$11,429	$13,452	$13,478		$12,000	$13,899	$13,909	$11,850	$12,389
$11,759	$13,585	$14,474	$14,758	$12,441	$16,683	$15,913	$12,602	$13,011
$10,892	$11,343	$13,121	$12,044	$10,971	$15,480	$17,339	$12,785	$12,668
$11,679	$13,416	$15,918	$14,366	$11,319	$16,326	$23,472	$14,009	$15,687
$12,405	$16,003	$17,973	$18,359	$11,589	$21,887	$26,881	$15,436	$19,174
$12,788	$15,741	$18,625	$19,708	$11,931	$19,460	$28,111	$15,693	$21,953
$13,585	$17,480	$17,509	$22,096	$13,030	$23,294	$27,247	$16,563	$25,457
$14,834	$20,441	$19,445	$25,296	$15,218	$29,767	$31,189	$18,981	$30,632
$15,248	$21,313	$23,605	$28,362	$16,542	$33,155	$35,511	$20,493	$31,327
$15,281	$29,689	$26,431	$31,514	$16,765	$35,575	$38,941	$18,924	$31,450
$15,681	$31,350	$27,416	$31,837	$17,872	$37,449	$40,523	$19,863	$34,732
$16,864	$35,902	$31,683	$36,894	$19,780	$40,337	$47,088	$22,189	$39,770
$16,326	$33,526	$31,370	$35,771	$18,871	$41,916	$47,893	$21,982	$36,644
$18,054	$40,718	$37,830	$35,858	$21,195	$48,226	$57,456	$22,803	$46,919
4.02%	9.81%	9.28%	7.07%	4.47%	10.35%	12.36%	5.65%	10.86%
3.82%	9.79%	7.73%	6.92%	6.22%	8.22%	7.89%	3.98%	9.36%
3.39%	6.52%	7.43%	2.62%	4.80%	6.27%	8.09%	3.80%	8.33%
2.30%	4.29%	6.09%	-0.95%	2.33%	6.14%	6.86%	0.91%	5.67%

Staying Put for May - May Allocation

May 01, 2023

Allocation Percentages for May 2023

F Fund

C Fund

S Fund

I Fund

100%

Welcome to May! I’m pretty happy starting out this month as my investments in both TSP Coach and my sister site, My Funds Coach, both had the highest returns in each fund family. It is worth nothing that for every fund family, I was 100% in the international market. I have not been this solidly in the international markets since 2007-2008 when I was 100% in the I Fund for 17 months.

I’m sure most of you will remember those years were the start of the great recession. I’m not going to predict another great recession based on how I’m investing in a small number of funds, but I will point out the US economy is still in a dangerous spot. We have had only 2 bank failures this year (with one more about to happen), which is not a high number in and of itself. However, the value of those bank failures is on par with the September 2008 failure of Washington Mutual Bank, which was one of 25 banks to fail in 2008.

So, in short, bank failures are going to happen, and when a massive failure happens like with Silicon Valley Bank and is then followed up by Signature Bank in the same month, we should all take notice. As I write this First Republic Bank is on the verge of collapse and hopefully, it will be the last one this year. If the trend continues and the value of the bank failures continue to be north of $100 billion each, then there will be reason to really pause and reassess the fundamentals of our economy. I’m not there yet.

I think we will dodge a bullet with the debt ceiling. There is obviously no way to not raise the debt ceiling, but tighter fiscal controls could signal we are just a little bit more serious on our debt. Our economy is not in a place to tackle this issue with a government shutdown or a lowering of our debt rating. If you haven’t seen the news, France is now AA-, which is the low end of the second tier. The US cannot afford for this type of downgrade to happen.

So where does that leave me with my investment decisions? I still think, that although the C Fund performed well this month, I see the imminent failure of First Republic Bank causing people to question the economy, stock market, and the Federal Reserve. The Federal Reserve MUST keep interest rates high to lower inflation, and the longer they can do it and the higher they can go (yes there will probably be another hike in the near future), the more ammo they are putting away for a rainy day (read recession). I am concerned about the international markets being able to continue their current strong performance, but for May, I’m going to remain in the I Fund 100%. Keep investing!

Date	L Income	L 2025	L 2030	L 2035	L 2040	L 2045	L 2050	L 2055	L 2060	L 2065	L 2070	G Fund	F Fund	C Fund	S Fund	I Fund
2025-06-13	27.6479	14.2316	52.9024	15.9824	60.8723	16.7473	36.8940	18.6869	18.6846	18.6821	11.0726	19.1308	20.0012	95.0040	88.2485	48.5492
2025-06-12	27.7407	14.2818	53.2972	16.1137	61.4173	16.9078	37.2703	18.9127	18.9104	18.9080	11.2064	19.1284	20.0748	96.0737	89.7781	49.1157
Daily Change	-0.33%	-0.35%	-0.74%	-0.81%	-0.89%	-0.95%	-1.01%	-1.19%	-1.19%	-1.19%	-1.19%	0.01%	-0.37%	-1.11%	-1.7%	-1.15%
Month to Date	0.44%	0.46%	0.79%	0.85%	0.91%	0.96%	1.01%	1.18%	1.18%	1.19%	1.19%	0.16%	0.24%	1.17%	1.05%	1.28%
Year to Date	3.39%	3.42%	4.87%	5.11%	5.35%	5.54%	5.72%	6.28%	6.28%	6.28%	6.29%	2.01%	2.69%	2.23%	-2.11%	15.88%
Details	L Income	L 2025	L 2030	L 2035	L 2040	L 2045	L 2050	L 2055	L 2060	L 2065	L 2070	G Fund	F Fund	C Fund	S Fund	I Fund

Date

L Income

L 2025

L 2030

L 2035

L 2040

L 2045

L 2050

L 2055

L 2060

L 2065

L 2070

G Fund

F Fund

C Fund

S Fund

I Fund

2025-06-13

27.6479

14.2316

52.9024

15.9824

60.8723

16.7473

36.8940

18.6869

18.6846

18.6821

11.0726

19.1308

20.0012

95.0040

88.2485

48.5492

2025-06-12

27.7407

14.2818

53.2972

16.1137

61.4173

16.9078

37.2703

18.9127

18.9104

18.9080

11.2064

19.1284

20.0748

96.0737

89.7781

49.1157

Daily Change

-0.33%

-0.35%

-0.74%

-0.81%

-0.89%

-0.95%

-1.01%

-1.19%

0.01%

-0.37%

-1.11%

-1.7%

-1.15%

Month to Date

0.44%

0.46%

0.79%

0.85%

0.91%

0.96%

1.01%

1.18%

1.19%

0.16%

0.24%

1.17%

1.05%

1.28%

Year to Date

3.39%

3.42%

4.87%

5.11%

5.35%

5.54%

5.72%

6.28%

6.29%

2.01%

2.69%

2.23%

-2.11%

15.88%

Details

Staying Put for May - May Allocation

Allocation Percentages for May 2023

F Fund

C Fund

S Fund

I Fund

TSP FUND QUOTES

Allocation History