Category: Investing

Relying on bond funds for steady returns has worked out well, until recently. U.S. bond investors have enjoyed a long bull market that started in the early 1980s, when interest rates were as high as 17 percent. Interest rates and bond prices move in opposite directions. As rates fell from their 1980s peak, bond prices rose, and investors enjoyed capital gains on top of high interest rates. Today we... [more]  
Now that you have a good understanding of the available TSP investment options and historical risks and returns of the various TSP funds, you may be wondering how to actually invest in the Thrift Savings Plan. What's a good investment strategy? How do you decide which funds to allocate your savings to, and how much? Broadly speaking, there are two different approaches to answer these questions. You... [more]  
The majority of popular investment advice follows a predictable recipe: adopt a diversified portfolio of low-cost index funds and determine your asset allocations. Buy and hold the funds, and regularly add to your savings. Rebalance your portfolio at the end of each year, and repeat until you're 65. Retire happily. This advice is often accompanied by long-term charts that show the impressive returns of stocks, bonds, and other asset classes over the past decades. Looks great, right? But... [more]  

Try TSP Folio

Sign up for a risk-free 30 day trial of the TSP Folio investment strategy:

What Makes Us Unique?