September 30, 2026 · Monthly Allocation
Rate hike into crisis-what’s next
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| 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 | 5.75% | 1.28% | 5.39% | 5.23% | 4.54% |
| As of: | 09/30/2026 | ||||
| 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 | 6.53% | 1.36% | 8.25% | 5.46% | 6.35% |
| As of: | 09/30/2026 | ||||
| 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 | 6.21% | 2.54% | 6.03% | 5.42% | 5.82% |
| As of: | 09/30/2026 | ||||
| 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.
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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.
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