Professional allocation advice grounded in history not hype

TSP Smart Investor& Vanguard Smart Investor

investor dashboard

“Bull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.”



 Welcome to TSP & Vanguard Smart Investor!  Keeping your funds safe is our top priority. 


About    Our Levels of Service    Contact Us 

About Our Allocation Models   About our Almanacs   

  Join Now  

for email warnings

All Members

Market Commentary 

19 October 2019

Sy Harding STS Tracker

22 October 2019

TSP F Fund 2019


Special Report

Updates and Alerts

(copies of e-mail alerts)

19 October

Current Allocations

Members: If you did not see the most recent e-mail posted on the Updates and Alerts link, check your spam settings and add our e-mail address to your e-mail settings!!! 

Full Access Members 

the rest of the story

Interim Updates

5 October 2019

Current Situation Report

2 September 2019

TSP F fund Seasonal Pattern

for retirees and low-risk investors

About our Almanacs Side-by-side view of TSP C/S/F funds (S&P 500 / Small Caps / Fixed Income) daily seasonal tendencies based on the trading day of each month.  Allows you to identify days of seasonal strength or weakness based on flows of money into and out of the market. Our almanacs separate bull and bear markets data.


 Low-cost TSP investing

 Full Membership for the price of a weekly cappuccino


Tammy Flanagan of Government Executive

latest articles on Federal Retirement Planning

Financial Planning Links

National Institute of Transition Planning, Inc. eNewsletter Archives

An independent educational corporation providing transition seminars on federal retirement transition planning to include articles on TSP, FERS, healthcare insurance, disability, etc.

U.S. Securities and Exchange Commission's (SEC) website covering investing basics, investor alerts, publications, and working with investment advisers


Federal Employee Benefits Advisor Scam

Company used retirement benefits seminars to lure investors into his Ponzi scheme


BrokerCheck by FINRA 

Check our your broker here.  FINRA is the Financial Industry Regulatory Authority.

Finra Investor Homepage

FINRA is dedicated to investor protection and market integrity through effective and efficient regulation of the securities industry.


TSP Real-time Proxies 

Compare S fund to VXF

Members w/ Almanac Access

About our Almanacs



4-year Presidential Cycle



Combined Jan - Apr

Combined Apr - July

Combined July - Oct

Combined Oct - Dec

almanacs include

SP500 index

(TSP C Fund)

large cap stocks

US non-SP500 index

(TSP S fund)

US small cap stocks

TSP F fund

Barclay's US 

aggregate bond index

Options Expiration Price Progressions

now incorporated in 

combined Almanacs

OpEx Seasonals


Trading Models 


 S&P 500 Turn-of-the-Year

TSP C Fund


TSP S Fund Turn-of-Year



Cherry Picking





I know, I know ... it looks too good to be true 


TSP investing results


View Results 

Common links


Vanguard Account


TSP GOV Account

(Our Logon is in the  header)

TSP GOV Share Price




DCPAS (Defense Civilian)


MyPay     DTS      Tricare




OPM.Gov     OPM retirement  

 Tammy Flanagan Federal Retirement Topics

DIY Research 

This website provides a commercial service and is not affiliated with the Thrift Savings Plan administration.  Recommendations are based on our best judgment and opinions but no warranty is given or implied.  Past performance does not guarantee future performance or prevent losses.   All readers and subscribers agree to this website's Terms of Use and Investment Disclaimer.   Copyright © 2011-2019 Ravenstone Research Inc.  All Rights Reserved.  


Powered by Wild Apricot Membership Software