TSP Seasonality Strategies

Data-driven investment strategies backed by 10 and 20 years of rigorous backtesting. Designed specifically for the Thrift Savings Plan to maximize returns while managing risk.

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Stop Leaving Money on the Table

The traditional "set it and forget it" approach to TSP investing has cost federal employees millions in lost returns. Our seasonality-based strategies leverage decades of market data to identify optimal entry and exit points throughout the year.

Each strategy has been meticulously backtested over 10-year (2016-2026) and 20-year (2004-2025) periods, demonstrating consistent outperformance while maintaining lower volatility than traditional buy-and-hold approaches.

When you subscribe to one of our premium strategies, you'll receive a calendar file that integrates directly with your preferred calendar app, plus timely email notifications alerting you exactly when it's time to rebalance your TSP funds. No guesswork, no missed opportunities—just clear, actionable guidance delivered straight to your inbox.

The Power of Strategy Over Time

20-Year Backtest (2004-2025) — $10,000 initial investment:

$3,896,602
Best 20-Year Strategy
31.48%
Best 20-Year CAGR
$94,326
Buy & Hold (C Fund)
View 20-Year Strategies

10-Year Backtest (2016-2026) — $10,000 initial investment:

$319,905
Best 10-Year Strategy
40.65%
Best 10-Year CAGR
$32,473
Buy & Hold (C Fund)
View 10-Year Strategies

Our strategies consistently outperform traditional buy-and-hold across both timeframes through strategic, data-driven investing.

Our Featured Strategies

Proven approaches to TSP investing available in both 10-year and 20-year backtested versions, each optimized for different risk tolerances and return objectives

A10 Strategy

Optimal 10 Year Performance

$3,774,429
Final Balance
31.29%
CAGR
15.95%
Volatility

Based upon a 20 year backtest with an initial $10,000 investment

A10 TSP Strategy Monthly Fund Allocation Chart - Thrift Savings Plan Seasonality Strategy

Strategy Overview

The A10 Strategy represents our most sophisticated approach to TSP investing. By strategically allocating across all five core TSP funds (G, F, C, S, and I) based on proven seasonal patterns, A10 achieves exceptional returns while maintaining reasonable risk levels.

Key Features

  • Dynamic allocation across all core TSP funds (G, F, C, S, I)
  • Optimized for maximum long-term growth
  • Available in both 10-year and 20-year backtested versions
  • Strategic rebalancing based on seasonal market patterns
  • Lower volatility than individual fund holdings

A20 Strategy

Optimal 20 Year Performance

$3,896,602
Final Balance
31.48%
CAGR
15.92%
Volatility

Based upon a 20 year backtest with an initial $10,000 investment

A20 TSP Strategy Monthly Fund Allocation Chart - Data-Driven TSP Fund Rotation

Strategy Overview

The A20 Strategy offers an excellent balance between growth and stability. By strategically allocating across all five core TSP funds (G, F, C, S, and I), A20 provides strong returns with consistent performance—ideal for investors seeking robust growth with reduced volatility.

Key Features

  • Balanced allocation across all core TSP funds (G, F, C, S, I)
  • Strong returns with enhanced stability
  • Excellent risk-adjusted returns
  • Suitable for moderate to aggressive investors with steady growth
  • Proven performance across multiple market cycles

A30 Strategy

Lowest Volatility

$3,574,263
Final Balance
30.96%
CAGR
15.64%
Volatility

Based upon a 20 year backtest with an initial $10,000 investment

A30 TSP Strategy Monthly Fund Allocation Chart - Conservative TSP Seasonality Approach

Strategy Overview

The A30 Strategy prioritizes capital preservation while still delivering impressive returns. By strategically allocating across all five core TSP funds (G, F, C, S, and I) with a conservative approach, A30 provides the lowest drawdown with consistent strong returns—perfect for conservative investors or those approaching retirement.

Key Features

  • Conservative allocation across all core TSP funds (G, F, C, S, I)
  • Lowest volatility and drawdown risk
  • Steady, reliable returns over time
  • Ideal for pre-retirement or risk-averse investors
  • Still significantly outperforms buy-and-hold

Performance Comparison

See how our strategies stack up against traditional TSP fund allocations

A10 Strategy Performance

A10 TSP Strategy 20-Year Backtested Performance Graph vs Buy and Hold

A20 Strategy Performance

A20 TSP Strategy 20-Year Backtested Performance Graph vs C Fund

A30 Strategy Performance

A30 TSP Strategy 20-Year Backtested Performance Graph - Low Volatility

What You Get

Premium features included with every subscription

📊

Timely Alerts

Receive email notification when it's time to move funds

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Calendar Integration

Download a calendar file that syncs with your preferred calendar app for automatic reminders

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Data-Driven Strategies

10 and 20 years of backtested seasonality patterns guide every trade recommendation

✨

Peace of Mind

Never miss a rebalancing opportunity with automated notifications and clear guidance

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Direct Support

Get answers to your questions from our team of TSP experts

💰

No Hidden Fees

Simple, transparent pricing with no contracts or commitments

Ready to Optimize Your TSP?

Join federal employees and military members who are maximizing their retirement savings with data-driven strategies.

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Choose Strategy Database

Select the backtesting period you'd like to explore:

📊
20 Year Strategies
Jun 2004 – Jan 2026
...
Strategies
Includes 2008 financial crisis. Most comprehensive backtest period.
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10 Year Strategies
Jan 2016 – Mar 2026
...
Strategies
Modern market conditions. Post-recovery era strategies.