Professional allocation advice grounded in history not hype

TSP Smart®
   & Vanguard Smart Investor

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

TSP Smart is independent & not affiliated with the TSP, Thrift Savings Plan, or any U.S. government agency or the military.



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Access Update

21 July 2024

The Smart Bird Reads

Articles of Interest

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.


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


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Almanac Level

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


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Common links

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 © 2011-2023 Ravenstone Research Inc.  All Rights Reserved.  


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