The Thrift Savings Plan (TSP) is one of the most important components of the federal retirement system and is widely regarded as one of the finest, most efficient, and straightforward retirement plans in the world. With its low costs, diversified investment options, and employer matching contributions, the TSP offers federal employees and service members a powerful opportunity to build long-term financial security. Taking advantage of this opportunity doesn’t have to be complicated — investing in your future can be both simple and effective.

As of December 31, 2020, the TSP had approximately 6.2 million participants and more than $735.2 billion in assets under management. Despite these impressive numbers, we have found that the majority of participants lack the guidance needed to maximize the growth potential of their retirement savings.

The federal government provides limited investment direction beyond its introduction of the Lifecycle (L) Funds. While these funds offer basic asset allocation based on age, they are designed primarily for convenience, not performance. Over long secular bear markets — which can last 10 to 15 years — Lifecycle Funds have historically struggled to protect capital and generate meaningful growth, often leaving participants exposed to prolonged market declines.

TSPMarketTiming offers a fundamentally different approach. Our proprietary trading system is purely mathematical and does not rely on subjective chart interpretation, economic forecasts, or emotional decision-making. Many investment services use strategies that eventually fail due to human error, emotional bias, or flawed technical analysis. Even experienced traders are vulnerable to these pitfalls. Our system removes those variables entirely, delivering clear, objective signals based on quantitative models. You can learn more on our Trading Model page.

While the TSP does involve minimal administrative and transaction expenses when Interfund Transfer (IFT) alerts are issued, these costs are negligible compared to the financial damage that can result from being invested in the wrong funds during a bear market. Remaining trapped in declining markets — particularly within Lifecycle Funds — can significantly reduce, or even devastate, long-term retirement growth.

Our sole mission is to help federal employees protect and grow their TSP accounts in the most efficient, disciplined, and effective way possible. We are dedicated exclusively to maximizing your thrift retirement savings through a proven, objective, and emotion-free investment process.