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TSP Smart Investor& Vanguard Smart Investor

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


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Allocation Guide

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Seasonal Guides

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


About           Our Levels of Service 

About our Almanacs


SEC Accuses Brokers Advising Federal Employees of Fraud

Keep your funds in TSP!  It is the best retirement account available.  Beware those talking of more investment options and recommending you move your money to another account - even Vanguard.  Consider moving your other retirement funds into TSP as you near retirement.

All Members


Market Commentary 

14 August 2017

the rest of the story

news of interest

Spring Summary Report

10 April 2017

Sy Harding STS Tracker

19 April 2017

Updates and Alerts

(copies of e-mail alerts)


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 


June Current Situation

9 June 2017

next report out in late August


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.




I couldn't have said it better...


Wall Street ‘experts’ have missed every stock market crash in 20 years   Market Watch



in our 18 August 2015 Interim Update we stated...


Market internals remain weak and have for some time.  Aversion to risk as measured by credit spreads in the bond market have now reached levels that historically been met with significant market corrections ... in the stock market within weeks. review




 Low-cost TSP investing

 Full Membership for the price of a cappuccino each week


Follow Us at our Perspectives Blog

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.


Common links


Vanguard Account


TSP GOV Account

(Our Logon is in the  header)

TSP GOV Share Price




DCPAS (Defense Civilian)


DFAS Home (Mil Pay) 


MyPay     DTS      Tricare






OPM retirement  

TSP Real-time Proxies 

Compare S fund to VXF

Members w/ Almanac Access



About our Almanacs

2017 Combined Jan - Apr

2017 Combined Apr - July

2017 Combined July - Oct


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

OpEx Seasonals


Trading Models 


 S&P 500 Turn-of-the-Year

TSP C Fund


TSP S Fund Turn-of-Year



Cherry Picking




 Tammy Flanagan Federal Retirement Topics

 Market Data & Charting

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