Independent allocation advice grounded in history not hype

TSP Smart®  
  & Vanguard Smart Investor

no more guessing

1) Bear Market Warnings

2) Reduced exposure to stocks during the unfavorable season


E-mail alerts            Online Reports             Almanacs     

We are not a trading service like most timing services.  Our goal is to minimize allocation changes yet avoid large market losses while capturing most of the market gains.   



Thank you for this consolidated location for all the information I have looked for over the past 20 years of investing. JOB WELL DONE


I recently retired from the Army after 23 years of service. Like you, I have had a passion for investing my entire career, and  believe in the teachings of Menger, Hayek, Mises, and many others. I have spent countless hours over my career trying to help Soldiers prepare for their futures by investing properly. Some listen some don’t.


This is by far the best location I have found over decades of research that has exactly what I am looking for in a consolidated location. Your commentary and research is spot on. Again, thank you for all you do for not only the Military community, but for everyone.

 Veteran (5 October 2022)

I really appreciate your response. I feel in this market you're the ONE voice of reason with responsible investing. I'm going online right now to sing your praises on social media and of course give you 5 star reviews. I normally would be fretting right now in this market, but your seasoned advice is keeping me positive and my TSP is making money in a down market. That's what separates great financial advisers from the posers.

Tom (30 September 2022)

I can’t read enough!  You are saying all of the things I have been saying!  I have been successful for quite some time at stocks, but starting last December, I lost my read of the market.  Your writing is spot on and largely correct at guessing the future direction.  Love the service.  Naval aviator with an interest in finance…sounds familiar.  


Mr. Bond,

I was signed up with Sy Harding from March 2009 until his death. I told him once that I didn't know who was the smartest market adviser in the business but I was certain he was #2. I found TSP smart online last February and signed up. You have saved my six about five times in the past year. I'll be renewing and will keep trying to spread the word about your service. It is unreal how buy and hold has been sold to investors.

I believe I have finally found #1.



Alert Members (lowest cost)


We fully appreciate that many investors are not interested in the ins and outs of the market or the economy.  So we provide a lower cost service to receive e-mail alerts notifying you of allocation changes and market warnings.

We have our time-tested Seasonally-Modified Buy & Hold strategy and our recommendations on the best fund for the current year and how much you should invest in equities (and how much to keep safe).  Our Bellwether timing signal determines the best time to enter and exit equity funds each year so we miss the unfavorable season for the stock market.  

We provide e-mail alert for allocation changes or two annual market summary reports for our lowest cost service.  You will have limited access to the member's section of the website when you log on.  Our primary goal is to keep your funds safe from the larger market losses while capturing most of the annual gains.  For the last  60 years, this simply strategy significantly beat buy and hope (hold).  




TSP Smart Members


Alerts plus Full Reports & Website Access



If you chose to become a Full Access member you will have full access to the website to include our reports, almanacs and additional updates.  You also receive the timing alerts via e-mail.  Our Current Situation Report provides a picture of key economic indications, our Bull/Bear indicator, seasonal indicators, trend analysis, market breadth and internal studies, credit spread analysis and other indicators pertinent to where we are in the stock market cycle. 






Almanacs Members

Alerts plus Full Access to include Almanacs




Full membership allows you access to our virtual almanacs where you can view the daily seasonal tendencies for the S&P500, the Dow Jones Total US Completion index (TSP S fund or VXF ETF) and the TSP Fixed Income fund that tracks the Barclays US Aggregate Bond index. 


You will have access to our seasonal trading guides that will help you cherry pick the historically best days to have been in or out of the market.







Compare Cost 


Compare our fees to the market losses sustained recently. 


We offer low fees with the desire to serve what I refer to as the reluctant investor.  Reluctant investors are those who are enrolled in retirement account with their job and now find they are required to make allocation decisions. Reluctant investors are those who would prefer to bang their heads against the wall than to think about financial markets but need to invest and protect their retirement funds.

Compare us to other investment timing services from the perspective of costs, ease of execution and an understanding of the strategy (no black box trading signals).  For your IRA/401K plans, compare us to the hidden cost of  managed accounts and the mutual fund expenses.  The low fees of this service can quickly be recouped by using low expense funds and following the best strategy we found after extensive research of investment newsletters and literature that is both low-risk and easy to execute for broad index funds.






Sometimes the simplest solution really is the best solution...



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