The Best Federal TSP Strategy
Federal Thrift Savings Plan Automated Investment Advice

--- Our Most Widely Used Strategy ---



 

Returns

Safety

Simplicity

Control

Examples



Welcome!

SectorSurfer levels the playing field with Wall Street by putting the power of award winning high performance investment algorithms in your hands. Its True Sector Rotation algorithm holds only the momentum leader during bull markets, and its StormGuard algorithm protects and grows your assets during bear markets. Only by owning the trend leader and avoiding the trend laggards can you simultaneously improve returns and reduce risk.


Federal TSP Strategy Performance

SectorSurfer's Federal Thrift Savings Plan Strategy achieves the performance depicted by the yellow equity curve on the chart below simply by determining which of the TSP funds has momentum leadership and owning only that fund for the next month. SectorSurfer completely automates the process of selecting the best fund to own — emotional bias is gone! Strategies are evaluated daily and an email/text Trade Alert is sent typically about 2.2 times per year when momentum leadership changes. Compare its performance against any other TSP strategy service and you'll know why our $10/month subscription fee is a bargain. Click each of the sliders above for a more complete description of how and why SectorSurfer works so well.
 

Gov TSP Chart

To add this to your My Strategies list, click the icon to open the Select-a-Strategy popup window and select TSP Thrift Savings Plan from the list.

"TSP Thrift Savings Plan" Strategy Design

This high performance Strategy was designed to utilize the True Sector Rotation algorithm during bull markets to select and own the best trending of the various stock funds (TSP C-Fund, S-Fund, I-Fund, and various Lifecycle Funds), and use the StormGuard-Armor algorithm to signal a retreat to the fixed income fund TSP-F when a dangerous bear market threatens. StormGuard-Armor is the market's preeminent high performance indicator for determining market direction. The TSP-G and TSP-F funds are not mixed with the True Sector Rotation candidate funds because their presence in the selection process actually reduces the decision quality and results in somewhat lower returns and higher risk for technical reasons explained HERE.

 

Federal TSP Funds Overview

The Thrift Savings Plan offers a set of 10 funds providing exposure to large cap (TSP C-Fund), small cap (TSP S-Fund), fixed income (TSP F-Fund), government securities (TSP G-Fund), international stocks (TSP I-Fund), and five Lifecycle funds (TSP L-Funds). By law, most of these funds must be invested in a portfolio designed to replicate a specific market index. Unfortunately there are no public ticker symbols for the TSP funds and there is no web-published historical data available for any of them suitable for use with services such as SectorSurfer. Fortunately, the market indices associated with the TSP funds do have ticker symbols and do have available historic market data. SectorSurfer utilizes the historic market data for these indices as proxy data for each of the TSP funds as detailed in the table below.
 
 

Federal TSP Funds SectorSurfer Symbol Proxy Symbol and Name
TSP G-Fund: Government Securities                TSP-G  ($CASH) VFISX: Vanguard Short-Term Treasury
TSP F-Fund: Fixed Income Index TSP-F AGG: Barclay's Aggregate Bond - iShares
TSP C-Fund: Common Stock Index TSP-C SP-DA: - S&P 500 Index Div. Adjusted
TSP S-Fund: Small Cap Stock Index TSP-S DWCPF: Dow Jones US Completion Index
TSP I-Fund: International Stock Index TSP-I BTEAX: DWS Inst: EAFE Index
TSP L-Income: 74% G, 12% C, 6% F --- -- no satisfactory proxy available
TSP L-2020: Lifecycle 2020 retirement TSP20 STLCX: BlackRock Inst: Lifepath 2020
TSP L-2030: Lifecycle 2030 retirement TSP30 STLDX: BlackRock Inst: Lifepath 2030
TSP L-2040: Lifecycle 2040 retirement TSP40 STLEX: BlackRock Inst: Lifepath 2040
TSP L-2050: Lifecycle 2050 retirement TSP50 STLFX: BlackRock Inst: Lifepath 2050

Note:  While "proxy" funds are an excellent representation of TSP Plan Fund performance, they in fact are not exact. However, their
character is sufficiently similar to adequately perform their intended functions for SectorSurfer's asset class rotation algorithms.


Specific Quick-Start Instructions
Follow these steps to quickly set up your SectorSurfer account to use this Strategy  ...  (click to read more)

Click to Signup for a SectorSurfer account. It costs nothing to get started.1. Click the Signup Wizard button on the right to create your account. It costs nothing to open an account and experiment with custom strategies or make use our totally Free Strategies.  See Member Plans Page for details about Free and Premium Memberships.

    a) On the Create an Account screen specify your username, password, full name, and email address.
         Then click

    b) Next is the Account Information Screen. Complete the below steps and then click
      -  Section A: Optionally add a backup email address or cell text number for your Trade Alerts. Click the button.
      -  Section A: Optionally enter your Referrer's name to give them credit. Review the Referral-Name you'll give others.
      -  Section B: Review the subscription options and click checkbox to acknowledge having read it.
      -  Section C: Optionally order a subscription (required to receive Trade Alerts for this Strategy). Acknowledge the checkbox.

    c) Next is the Application Settings Screen to determine how you would like your Trade Alerts handled and then click
 
  
 You're Now Are a SectorSurfer! 


2. The My Strategies Page will automatically be your next destination. This is your definition list of personal Strategies.

    a) Please watch the short video demo. It will save you time and frustration. Click its icon in the upper left of the page.

    b) Note the other help resources in the upper left and bottom of the page.

    c)
Experiment with the Example Strategies provided. Mouse-over the icons and ticker symbols. Click things to see what they do.

    d) To import the above Strategy into your My Strategies execute the following steps:
       - Click the  icon in the 2nd row to get the Select a Strategy popup screen.
       - Scroll down until you see the Strategy name matching the above Strategy, then click its line to highlight it.
       - Then click the button near the bottom to import this Strategy into your personal list.
 
   Now You're Really SectorSurfing! 

 

We'll do the
    Hard Work ...

... While You     
   Have a Life.

 
• Typically just 3 to 5 Trade Alerts per year.
• SectorSurfer signals - you make the trade.
• Select a ready-made Strategy from a list, or
   try your ideas with your own custom design.
• Its as easy or complex as you'd like it to be.

How to Become a SectorSurfer

How We Work

How We Work




We'll do the Hard Work ...           
         ... While You go Have a Life!

How We Work

Resources

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Technology  

AAII Seminar

Find a Financial Advisor

Getting Started

Getting Started

• Study:  Returns, Safety,
Simplicity, Control, Examples

Review: Subscriptions,
Free vs Premium Strategies

• Ready? It Costs Nothing to Start - Let's Get Surfing!

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What SectorSurfers Say:(scroll the text)

"This product stands like an oak tree amid a forest of saplings. Over the years I have examined dozens of investment advisory services, but this one is the best by far. As a retired USAF officer, of particular importance is their popular TSP Thrift Savings Plan strategy designed for military/federal employees.  I've been an enthusiastic SectorSurfer since January 2011."

Les Mosier, Chaplain, LtCol, USAF (Retired) 

 

"I can tell you with certainty that SectorSurfer stands in a class of its own as the premier investment tool for individual investors. Its high performance algorithms literally level the playing field for individual investors against the big traders on Wall Street and will provide you with the confidence and to wisely manage your own investments."

Richard Erkes, Former Chair of the State of Illinois Retirement Board
Founding member of the Chicago Board of Options Exchange
Former Program Director of the LA AAII Chapter.

"It is very satisfying to see my returns beating the market averages month after month. It even made my wife's restrictive and excessively diversified government retirement account perform well. This investment tool tops my list!"

Warren Hyland, CEO, AmbienEco Group

 

"I finally pulled the trigger on the SectorSurfer Fidelity KickAss Strategy. Since then the market has not been as hot AND yet I notice that the fund recommended by Sector Surfer is doing very well. My GAUD this is really going to work! What was once only an academic understanding of your methods has sunk in. Thank you for doing the hard work.
Dan Wahl, Design Engineer, "IceCube" South Pole Neutrino Observatory
Physical Sciences Laboratory, University of Wisconsin - Madison

 

"The effort/time you have put into your web site has produced outstanding results. I spend a lot of time on finances, and your web site is the finest I have ever seen. I am an ex-fighter pilot, land developer, and a full-time trader for the last 10 years."
Joe Schuchter, Full-time trader. 


"With SectorSurfer's algorithms doing all the work, I get much better results and have more time in the day for real life. I used to spend hours each day sorting through funds looking for winners. "

Chris Feise, Retired Professor Washington State University
Former Director of Center for Sustaining Agriculture and Natural Resource 

"I had no idea which funds to own until I found SectorSurfer. Now I know what to do and when to do it. Most importantly, I know SectorSurfer will look out for me when I'm busy taking care of business."

Kim Cahuas, President, Western Reserve Technology 

 

"I used to be literally afraid to look at my retirement account, but Sector Surfer thankfully keeps track of it for me now and always keeps me in the best funds. It really is amazing and gives great peace of mind!"

Brandon Hulet, Teacher
Snohomish County, Washington





Stocks & Commodities Review of SectorSurfer

Product Review
by: Joe Gruender

2016 Wagner Award Winner

Contest Paper
by: Scott Juds

AAII New Product Review

Product Review
by: Jaclyn McClellan

GeekWire Interview

Media Interview
by: John Cook

Advisor Perspectives Article

Professional Article
Dale Van Metre, Ph.D.




Note: SumGrowth Strategies, LLC and its SectorSurfer service is not associated with or sponsored by the Federal TSP Thrift Savings Plan. SumGrowth Strategies is a privately
 held company with a mission to help individuals improve their retirement prospects by providing state-of-the-art automated investment strategy analysis and advice. Other
versions include Best Federal Thrift Savings Plan Strategy, Best Military Thrift Savings Plan Strategy, Best Governmnet Thrift Savings Plan Strategy , Best US Gov. TSP Strategy.