Independent professional allocation analysis grounded in history not hype

TSP Smart Investor& Vanguard Smart Investor


Welcome to TSP & Vanguard Smart Investor,

Our basic service is "Alerts" and you can sign up for 1 year at $85 or pay a reduced rate of $75 annually with our annual autopay feature. If you sign up for autopay you will receive emails a year from now prior to your credit card being charged in case you want to unsubscribe.  Our refund policy can be found at the bottom of this page.

Once you have paid online with our secure payment system, you find yourself immediately signed in (username is your email) under your profile page.  You will have immediate access to additional member pages to include market commentary, etc. Your password will be emailed to your username email address and you can use it to change your password to one you can remember.  Please check you email after payment. Once you exit your profile page, you can return to it by clicking on your name in the upper right corner of the page.  

If you want more information on what each level offers please review our Levels of Service page and/or our About page.  All levels receive market alerts for market warnings and for our seasonal timing signals as well as access to our market commentary page. 

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Please contact us within 45 days of signing up at to ask for a refund if our service is not what you expected. We will refund 100% of the Alert and Access membership levels if you contact us within the 45 days.


Due to the nature of our almanac data you can be refunded $135 of your $185 almanac membership fee.  Much of this data is not perishable and could be downloaded and used after membership is terminated. 


Beyond 45 days, we will consider refunds on a case-by-case basis.

Reduced Renewal Rates

The renewal rates for "Access" and "Almanac" levels are also reduced after your first year as a member.  

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.  


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