About

The TSPMarketTiming system was founded on the idea that successful growth of retirement savings could be quantified with a math-based approach, not opinions.

Our investment model, The S/G Model Portfolio Trading System™, is a proprietary, rules-based mathematical system designed exclusively for Federal Government employees and U.S. military personnel participating in the Thrift Savings Plan (TSP). The system is intentionally simple, focusing solely on disciplined, back-and-forth allocations between the S Fund and the G Fund.

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Our Model (S & G Funds)

Throughout history, the S Fund has outperformed the other funds (G, F, C, and I). Our system was developed to exceed its overall performance.

When the system generates a "Buy Signal," we issue an IFT into the S Fund. When the system generates a "Sell Signal" (for the S Fund), we issue an IFT into the G Fund.

Alpha Verifications Services has given us their stamp of approval, showing that our trading model far exceeds the buy-and-hold performance of the S Fund alone.

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System Performance

The Annualized Returns (S & G Funds) of our trading model (Years 2009-2025) is +20.9%. The buy-and-hold strategy of investing (20% in each fund) is +9.1%.

Starting with a $100,000 account in year 2009, our system increased to $2,265,732, compared to $413543 for the buy-and-hold strategy.

In addition, our model has outperformed the buy & hold strategy in 15 of 17 years.

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Year 2026 YTD Returns

Updated 01/30/2026: Our S/G Model Portfolio Trading System™ is starting the new year on a strong note, gaining +6.51%. By comparison, a buy-and-hold allocation (20% in each fund) is up +2.07%. The stock funds have advanced +3.27%, while the G Fund has edged higher to +0.37%.


Year 2025 Returns

Our S/G Model Portfolio Trading System™ profited +10.27%. The buy-and-hold allocation (20% in each fund) returned +14.66%, while the G Fund gained +4.44%. While this marked the first time our model slightly trailed the buy-and-hold approach, results remained broadly in line with the S Fund and well ahead of the G Fund.



Year 2024 Returns

Our S/G Model Portfolio Trading System™ profited +23.13%. The buy-and-hold strategy (20% in each fund) returned +10.38%. The G Fund returned +4.40%. We outperformed the buy-and-hold strategy by +12.75%.



Year 2023 Returns

Our S/G Model Portfolio Trading System™ profited +26.75%. The buy-and-hold strategy returned +15.95%. The G Fund returned +4.22%. We outperformed the buy-and-hold strategy by +10.80%.



Year 2022 Returns

Our S/G Model Portfolio Trading System™ profited +1.79%. The buy-and-hold strategy of investing had a loss of -13.60%, while the S Fund had a horrible loss -26.26%. We outperformed the buy-and-hold strategy by +15.39% and the S Fund by +28.05%.



Our performance has been independently verified from January 1, 2009 to July 19, 2022 by Alpha Verification Services. From that time forward, TimerTrac has been tracking our signals since July 18, 2022. We plan on having our performance continually verified by Alpha on a yearly basis.


        Our Mission

        Our mission is to put you and your financial needs first so you can focus on what matters most to you during your retirement. In the end, your long-term success is our long-term success. Protecting and growing your nest egg is our number-one priority.


        Stay with the TSP After Retirement

        Statistics show that people are living longer and are maintaining healthier lives. Those that continue to have passions and healthier lifestyles are living 20, 30, and even as much as 40 years after retirement. The money you saved throughout your career in your TSP account will play a large role in your retirement future, and providing you with more opportunities in life.

        Once you leave the Federal service, you can continue to invest through the Thrift Savings Plan, until the day you need it. In addition, you can continue to use our service to even build your savings further in retirement.

        Our goal is to present an investment model that is designed to help achieve your financial goals, so that you can retire sooner rather than later, and retire in comfort.

        DISCLAIMER: We are not affiliated with the TSP, Thrift Savings Plan, tsp.gov, frtib.gov, or any U.S. government agency or uniformed military services.