November 30, 2025 · Monthly Allocation
This allocation detail is for subscribers
Subscribe to see fund weights and commentary for the last twelve months—the same process used in the public track record.
Already a member? Log in to unlock this post.
Browse monthly posts by year, or return to current allocations.
Choose a plan under PayPal or under Card (Square). Both options stay visible.
Flexible month-to-month
One payment per year
Secure payment by PayPal or Square.
After payment, you will be redirected to create your login.
| Year1 | MF Coach | USIBX | USAAX | USCAX | USIFX |
|---|---|---|---|---|---|
| 2020 | 6.53% | 2.41% | 6.90% | 10.47% | 7.77% |
| 2021 | 2.59% | 0.71% | 3.68% | 3.58% | 2.77% |
| 2022 | 7.37% | 2.12% | 7.39% | 7.09% | 6.50% |
| 2023 | 4.86% | 2.20% | 5.36% | 6.44% | 4.50% |
| 2024 | 4.68% | 1.50% | 4.94% | 6.40% | 3.65% |
| 2025 | 4.55% | 0.77% | 5.54% | 4.46% | 3.49% |
| 2026 | 5.47% | 1.25% | 5.12% | 4.98% | 4.38% |
| As of: | 10/09/2026 | ||||
| 1Risk = standard deviation of monthly returns for the calendar year (percent). History starts 2020. MF Coach uses allocation-weighted sleeves. Lower is less volatile. | |||||
| Year1 | MF Coach | FCBFX | FOCPX | FDVLX | FWWFX |
|---|---|---|---|---|---|
| 2020 | 7.10% | 3.13% | 7.62% | 11.42% | 7.02% |
| 2021 | 3.26% | 1.12% | 3.39% | 4.14% | 3.03% |
| 2022 | 7.81% | 2.98% | 6.82% | 7.74% | 6.17% |
| 2023 | 5.43% | 2.86% | 4.67% | 6.53% | 4.22% |
| 2024 | 4.56% | 1.67% | 4.63% | 7.58% | 6.01% |
| 2025 | 4.94% | 0.83% | 4.83% | 4.13% | 5.28% |
| 2026 | 6.20% | 1.32% | 7.83% | 5.18% | 6.05% |
| As of: | 10/09/2026 | ||||
| 1Risk = standard deviation of monthly returns for the calendar year (percent). History starts 2020. MF Coach uses allocation-weighted sleeves. Lower is less volatile. | |||||
| Year1 | MF Coach | VBLAX | VIGAX | VSGAX | VFSAX |
|---|---|---|---|---|---|
| 2020 | 7.04% | 3.17% | 7.46% | 9.08% | 9.01% |
| 2021 | 3.08% | 2.56% | 3.67% | 3.57% | 2.82% |
| 2022 | 7.28% | 4.54% | 7.51% | 7.07% | 6.33% |
| 2023 | 4.90% | 5.18% | 5.10% | 6.68% | 4.88% |
| 2024 | 3.75% | 3.08% | 3.49% | 5.61% | 3.09% |
| 2025 | 4.05% | 1.90% | 4.44% | 4.14% | 2.30% |
| 2026 | 5.90% | 2.45% | 5.73% | 5.15% | 5.54% |
| As of: | 10/09/2026 | ||||
| 1Risk = standard deviation of monthly returns for the calendar year (percent). History starts 2020. MF Coach uses allocation-weighted sleeves. Lower is less volatile. | |||||
Risk is the standard deviation of monthly returns for each calendar year (percent). MF Coach uses allocation-weighted sleeves within each family (USAA, Fidelity, Vanguard). Lower values mean less volatility over that year. These tables use stored mutual-fund prices in our database—not delayed ETF market proxies on the homepage strip.
No TSP Allocation plan beats TSP Coach! Some plans have even stopped entirely.
TSP Coach has beaten all competitors over the last 22 years, and therefore, we fulfil our mission statement of achieving the best returns with the lowest fees. We want our program accessible to TSP investors just starting out on their journey towards retirement.
* > 2 trades/mo
^ > 2 trades/mo before 2007
~ Numbers on website have changed from 2015
I started with an initial value of $10,000 on January 1, 2005 and then compared my returns to other
fee based TSP newsletters based on the information available on their websites.
In cases where their programs started after 2005, I started them at the TSP Coach end of year fund
value in order to provide an easy comparison. Additional comments are noted in the table.
Workplace plans almost never list our exact funds. Map what you hold — we rebuild this month’s mix for your lineup.
We carefully analyze the markets and present our allocations. Same process as always: reallocation once a month.
If your 401(k) doesn’t offer our listed fund, pick the closest one you do have. A quick search ranks close matches.
We don’t just relabel our 67%. We run the same monthly method on the funds in your plan — so the split can change. That’s you taking control, not copying someone else’s tickers.
If you choose, we remember your matches. When the next allocation posts, generate again — your funds, this month’s call, no retyping tickers.
You now have a customized plan based on years of solid performance. Not personal advice.
We rank how closely other funds have moved with one you pick — using the same return history behind the monthly mix. Not a generic screener.
Tap one of the published Coach funds (same tickers since 2020), a family (Fidelity, Vanguard…), or type a ticker. No ticker on your 401(k)? Search the plan code or name — we score the public twin (ETF or index share class) and say so.
A 0–100 score. 80+ is a practical substitute — Morningstar labels can differ even when returns line up. Compare any two tickers in the box above. It is not a buy rating.
Members: Use in Fund Plan puts that ticker onto the published mix so you can follow along with funds you actually hold.
Scores compare past returns and category. Not personal advice. Not a recommendation to buy or sell.
My Funds Coach and TSP Coach are commercial services and not associated in any way with the U.S. Federal government, the Federal Retirement Thrift Investment Board, USAA, Vanguard, or Fidelity. We do not issue individual investment advice. My Funds Coach publications are prepared for informational purposes only.
©2012-2026 My Funds Coach. All rights reserved.
Privacy Policy
