ANNOUNCEMENTS
Latest notes for members and visitors
Your Funds. My Formula. One Monthly Mix.
Feature UpgradeMap the funds you already own.
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Latest notes for members and visitors
Map the funds you already own.
Continue reading...
Bottom Line Up Front: Disseminate a simple, financially sound reallocation of mutual funds at the lowest possible cost while generating excess alpha over buy-and-hold.
My Funds Coach is dedicated to ensuring everyone has the best information when making mutual fund investment allocation decisions.
Building upon the success of TSP Coach, my investment strategy has over 22 years of proven success, and now you can follow along as I change my allocations no more than once every 30 calendar days.
My service is perfect for the investor that wants to maximize their return without high fees, complex newsletters, market timing, or other fancy strategies. In early 2020 we adapted our TSP strategy for Fidelity, Vanguard, and USAA.
SubscribeAnnualized returns of over 17.64%
Simple, once a month, changes to mutual fund allocations have achieved returns far exceeding the buy and hold method.
| Year1 | MF Coach |
|---|---|
| Life | 104.21% |
| 3 Years | 64.70% |
| 5 Years | 42.70% |
| 2020 | 44.18% |
| 2021 | -0.53% |
| 2022 | -23.01% |
| 2023 | 22.53% |
| 2024 | 9.73% |
| 2025 | 37.52% |
| Annualized | 10.60% |
| As of: | 08/27/2026 |
| USIBX | USAAX | USCAX | USIFX |
|---|---|---|---|
| 1.90% | 112.32% | 76.20% | 60.60% |
| 3.62% | 45.76% | 38.71% | 46.36% |
| -7.65% | 34.32% | 23.99% | 36.04% |
| 9.39% | 37.07% | 22.22% | 3.26% |
| 0.90% | 16.97% | 17.08% | 14.83% |
| -12.67% | -32.49% | -19.99% | -15.91% |
| 7.18% | 48.38% | 17.35% | 17.47% |
| -1.26% | 20.63% | -0.30% | -0.54% |
| 0.11% | 9.60% | 31.54% | 38.10% |
| 0.28% | 12.05% | 8.93% | 7.42% |
| 1MFC Strategy and Life dates are January 1, 2020 (or family history start when shorter). | |||
| Year1 | MF Coach |
|---|---|
| Life | 200.70% |
| 3 Years | 64.32% |
| 5 Years | 73.74% |
| 2020 | 59.95% |
| 2021 | 11.62% |
| 2022 | -11.03% |
| 2023 | 26.35% |
| 2024 | 11.86% |
| 2025 | 33.49% |
| Annualized | 17.64% |
| As of: | 08/27/2026 |
| FCBFX | FOCPX | FDVLX | FWWFX |
|---|---|---|---|
| -0.64% | 197.98% | 95.44% | 99.27% |
| 6.53% | 84.89% | 29.70% | 47.75% |
| -9.22% | 70.90% | 37.63% | 32.26% |
| 10.82% | 46.75% | 9.33% | 30.91% |
| -1.20% | 24.94% | 35.30% | 18.49% |
| -16.43% | -32.08% | -9.07% | -25.74% |
| 8.82% | 42.64% | 19.57% | 24.96% |
| -0.50% | 17.39% | -5.29% | 11.86% |
| 0.58% | 43.13% | 27.65% | 23.45% |
| -0.10% | 17.93% | 10.65% | 10.98% |
| 1MFC Strategy and Life dates are January 1, 2020 (or family history start when shorter). | |||
| Year1 | MF Coach |
|---|---|
| Life | 0.00% |
| 3 Years | 84.98% |
| 5 Years | 60.93% |
| 2020 | 50.13% |
| 2021 | 2.15% |
| 2022 | -28.10% |
| 2023 | 29.21% |
| 2024 | 18.29% |
| 2025 | 40.94% |
| Annualized | 13.08% |
| As of: | 08/27/2026 |
| VBLAX | VIGAX | VSGAX | VFSAX |
|---|---|---|---|
| -21.30% | 200.28% | 86.79% | 57.96% |
| -3.59% | 92.20% | 58.82% | 45.19% |
| -29.20% | 82.65% | 28.70% | 23.59% |
| 16.26% | 40.18% | 35.27% | 11.89% |
| -2.64% | 27.26% | 5.70% | 12.68% |
| -27.22% | -33.14% | -28.39% | -21.30% |
| 7.55% | 46.76% | 23.04% | 15.12% |
| -7.62% | 32.01% | 14.28% | -0.74% |
| -3.18% | 30.73% | 28.84% | 38.45% |
| -3.55% | 18.07% | 9.90% | 7.15% |
| 1MFC Strategy and Life dates are January 1, 2020 (or family history start when shorter). | |||
We reallocate mutual funds from Vanguard, Fidelity, and USAA at the end of each month when necessary. Log into the members section for new allocation percentages.
Manage mutual fund investments to generate better returns. Building on TSP Coach, three fund-family programs maximize returns while minimizing risk in a repeatable, consistent manner.
PayPal subscription gives you a username and password for the monthly allocation page, updated on the last trading day of each month.
Monthly $7
Yearly $60
Workplace plans almost never carry the same funds we publish—and every lineup is different, with many fund types to choose from. Map your substitutes once; each new allocation reapplies them. Same once-a-month process.
Answers from years of subscriber questions. Disclaimer: we cannot provide advice—only how we invest.
Customer Q&ABrowse past monthly allocation posts. Same decision process as TSP Coach applied to USAA, Fidelity, and Vanguard fund families.
My Funds Coach uses the Sharpe Ratio, Modern Portfolio Theory, and a proprietary formula. We trade at most once every thirty calendar days and choose bond, large-cap, small-cap, and international funds. With minimum investment thresholds, you may want residual dollars in each fund.
End-of-day prices for the fund families we follow.
Scroll sideways on mobile to see all funds in a family.
See this month’s allocation| Date | USIBX | USAAX | USCAX | USIFX |
|---|---|---|---|---|
| 2026-08-27 | 9.08 | 42.57 | 17.18 | 35.62 |
| 2026-08-26 | 9.08 | 41.82 | 17.14 | 35.76 |
| Daily Change | 0% | 1.79% | 0.23% | -0.39% |
| Month to Date | 0.55% | 5.79% | 2.94% | 2.5% |
| Year to Date | -2.47% | 4.72% | 27.73% | 16.25% |
| Date | FCBFX | FOCPX | FDVLX | FWWFX |
|---|---|---|---|---|
| 2026-08-27 | 10.46 | 30.91 | 17.42 | 42.53 |
| 2026-08-26 | 10.46 | 30.34 | 17.49 | 42.33 |
| Daily Change | 0% | 1.88% | -0.4% | 0.47% |
| Month to Date | 0.38% | 6.4% | 1.22% | 1.55% |
| Year to Date | -2.88% | 27.31% | 26.42% | 17.16% |
| Date | VBLAX | VIGAX | VSGAX | VFSAX |
|---|---|---|---|---|
| 2026-08-27 | 10.08 | 274.58 | 126.15 | 40.00 |
| 2026-08-26 | 10.09 | 269.83 | 125.26 | 39.71 |
| Daily Change | -0.1% | 1.76% | 0.71% | 0.73% |
| Month to Date | 1.1% | 4.36% | 5.41% | 7.87% |
| Year to Date | -4.64% | 9.33% | 18.87% | 12.99% |
My Funds Coach grew out of the success of TSP Coach. After strong demand for a mutual fund program, we developed these services in 2019 and tested them in 2020. Started by a US Navy Officer with over 29 years of investment experience, with board members experienced as CFOs and presidents across industries.
We have validated our model through research and proven results. We hope you benefit from seeing how we invest.
