Thrift Savings Plan - TSP (2024)

Who are your members?

Our members are civilians and uniformed service employees (Army, Navy, Air Force, Marines, and the Coast Guard). The largest majority of our members are part of the FERS (Federal Employees Retirement System), though we do have many members who invest in the TSP who are part of the CSRS (Civil Service Retirement System). Even Federal employees who left the government service, can still make interfund transfers. We even have a growing number of professional investors, stockbrokers, money managers, financial planners and investment advisors who have joined our service as well. The majority of our members are hard-working government employees who seek guidance in the stock market and want to maximize their hard-earned retirement savings. We also believe our members are those who may have tried the buy-and-hold strategy, and have lost money through this strategy. And we have recently found that members are tired of being part of the Lifecycle Funds, which is not a good concept when the market is bearish or caught in a trading zone for many years.

Does your company also trade the stock funds?

Yes, we trade the stock funds.

We believe our system provides a lower risk method of investing, as opposed to the buy-and-holdstrategy of investing. The buy-and-hold method will always be subject to higher risk, volatility, and many uncontrollable factors thatcan negatively impact the stock fund prices and your savings. Everyone should be familiar with the crash of 2000 through 2002, when the C Fund lostnearly 50% of its value. All of my friends and acquaintenances lost money during that time. One acquaintenance decided to leave his savings during that time in the C Fund and took a $60,000 loss. Then, when the S&P was at bottom in the 3rd quarter of 2002, he decided to cash out of the stock market all together, swore to never get back in ever again, and put his savings into the G Fund. Now, it will be difficult for him to rebuild his savings back to where it initially was in year 2000 based on the annual gains of the G Fund. Another friend, who always believedstrongly in the G Fund, never cared to venture out into the C Fund. But, when everyone else were talking about how much money they were makingin the stock market (C Fund) during 1995 through 2000, he finally decided to jump in and switch to the C Fund like everyone else. However,his timing was totally wrong ... he made the big switch in April 2000. It was relatively easy for me to identify the bull market was over in year 2000,since the 50-day moving average cross below the 200-day moving average, and the major uptrend was broken to the downside. These criteria defined the initiation of a major bear market was in store for a couple of years. During that time, years 2000 - 2002, everyone should have been allocating most of their funds into the G or F Funds, and not into the C Fund. Investors should have waited until there was confirmationof a new major uptrend and the 50-dma crossed above the 200-dma. Simple rules that can significantly protect and preserve one's capital, and waitfor better times.

Who provides the signal changes and information in the newsletter?

Our chief technical chart analyst and developer of the service is Robert W. Dillon, Ph.D. Robert holds a masters and doctorate degree in the fields of Geology and Geophysics from the Missouri University of Science & Technology. Robert worked for a major oil company (1980-83) and the US Geological Survey for 15 years (1984-99). However, due to his financial success in trading the stock market, he became semi-retired at the age of 41 and switched careers to provide guidance to Federal employees. He has over 30 years of experience trading the stock market and specializes in technical analysis. Robert has a vast amount of experience in interpretation of highly complex charts. He is also a master fingerstyle guitarist. The combination of his scientific and creative abilities with the stock market using technical analysis, gives him a pure analytical advantage over traditional strategies used by money managers.

Robert holds the highest level of ethical standards and avoids any conflicts of interest. He has tested & experimented with almost every style of technical trading. Robert has extensively traded the market and experienced every imaginable technical and emotional situation. He has watched the markets change from cold calling to open-outcry and speed dialed phones to high-frequency trading and the dominance of the Algos, not to mention what goes on behind the scenes not available to the public. Through all of that, the greatest teacher of course, is the market itself. And while the speed and method of execution may change, the fundamental truths that underly technical analysis remain the same. Fear and greed reflected in crowd dynamics are always represented within a simple price vs. time chart.

Robert is also on contractual basis with Registered Investment Advisors (RIAs) who manage Assets Under Management (AUM).

What is your privacy policy?

Our company is committed to protecting your privacy while using our site. This is explained in detail in our Private Policy page.

Does your company offer any free trial periods?

We do not offer any free trials. We do offer a full money back guarantee within the first 48 hours after you become a member if you are unsatistifed with our service. The most important reason why we do not offer free trials is because our system is designed to slowly beat the index funds. We do not want to give the impression that this a get rich quick scheme. Our system requires patience. There are a lot of other web sites that virtually promise quick returns. Please be cautious of those systems.

Will your company manage my account?

At this time, we do not manage any personal accounts for our members, and probably will not in the future.

After I become a member is there confirmation of this?

Once authorization is approved, you will receive our confirmation response via e-mail. You will then be able to log into the memberspage with the latest updates!

Once I become a member, can I change my email address in the future?

Yes, just send an e-mail to editor@tspfundtrading.com and include your old and new e-mail addresses.