Our Performance

2026 YTD — close of

Since 2005, our subscribers have averaged a total return of +10.15% per year. The buy-and-hold strategy has returned +7.52%; the G Fund returned +3.04%. Our methodology has outperformed buy-and-hold in 15 of 21 years — and outperformed buy-and-hold overall by +2.63% annually.

Our main goal is to maximize TSP savings during bull market cycles and protect capital during potentially unstable market periods. We don't chase performance — we manage risk.

Independently Verified

Our signals are independently tracked and verified by TimerTrac.com, an independent third-party verifier of timing performance.

Compounding Return on $100,000 — Since 2005

Two facts stand out from our 21-year track record: the longevity of our service, and our consistency in outperforming the buy-and-hold strategy.

If your TSP isn't keeping up, becoming a subscriber is a straightforward way to change that.

Subscription Benefits

Subscribers get direct access to our analysis and allocation decisions — no guesswork, no noise:

About Our Service

ThriftTrading.com, LLC is a professional financial service dedicated to providing percentage fund allocations for the five core funds of the Thrift Savings Plan. We have been providing financial guidance to U.S. civil service employees, retirees, and uniformed service members continuously since 2005.

Our market analysis is prepared by a technical analyst with over 30 years of experience, who has personally traded the TSP funds since 2005. The service is operated and managed by a separate team member dedicated to subscriber support and service operations.

We are not affiliated with the TSP, tsp.gov, frtib.gov, or any U.S. government agency. Our proprietary methodology combines fundamental and technical analysis with a mechanical impulse system to consistently produce results that outperform the buy-and-hold strategy.

All trades adhere to the Interfund Transfer Rule: the first two IFTs each calendar month can redistribute money among any or all of the TSP funds. After that, transfers can only move money into the G Fund. Our alerts are always structured to work within this framework.

The Thrift Savings Plan currently holds over $1 trillion in assets across approximately 7.3 million accounts, making it the largest defined contribution retirement plan in the world. Most TSP accounts sit in default allocations and underperform. That's the problem we've been solving since 2005.