Performance of TSPKey Strategies
TSPKey has two strategies. Our main strategy is simply named TSPKey and is recommended for most investors. Low-Risk is our other strategy. It’s geared for those who may need access to TSP funds in the near future and want to protect their principal.
The table below shows a backtest of our two strategies since 2004. It also shows the performance of the F Fund (diversified U.S. bonds) and C Fund (S&P 500 stocks). Note the max drawdown which measures risk. It’s the largest loss of a strategy or fund. For example, let’s say your TSP account reaches a peak of $10,000 then falls to a low of $7,000. The drop from $10,000 to $7,000 would be a 30% max drawdown.
You can see current year returns here.
You can see the performance of our Legacy and 50 Day strategies, which our current strategies are based on, here.
Year
TSPKey
Low-Risk
F
C
2004
11.17
8.91
4.30
10.82
2005
6.77
7.37
2.40
4.96
2006
18.00
14.51
4.40
15.79
2007
12.04
11.78
7.09
5.54
2008
10.15
10.65
5.45
-36.99
2009
18.14
11.68
5.99
26.68
2010
32.77
27.00
6.71
15.06
2011
5.22
8.02
74
0.27
2012
15.19
11.79
4.29
16.07
2013
18.92
10.32
-1.68
32.45
2014
9.95
9.76
6.73
13.78
2015
3.23
3.61
0.91
1.46
2016
11.90
9.61
2.91
12.01
2017
13.52
9.24
3.82
21.82
2018
1.26
3.51
0.15
-4.41
2019
14.97
11.38
8.68
31.45
2020
25.44
20.95
7.50
18.31
2021
20.50
10.87
-1.46
28.68
2022
-18.80
-8.27
-12.83
-18.13
2023
13.89
9.04
5.58
26.25
2022
25.44
20.95
7.50
18.31
2023
13.89
9.04
-5.58
26.25
* CAGR = Compound Annual Growth Rate
** MAXDD = Max Drawdown. The biggest drop from a high point to a low point. The lower the number, the less risk.
*** MAR = CAGR / Max Drawdown. This measures the risk-adjusted return. The higher the number, the better.
| Year | TSPKey | Low-Risk | F | C |
|---|---|---|---|---|
| 2004 | 11.17 | 8.91 | 4.30 | 10.82 |
| 2005 | 6.77 | 7.37 | 2.40 | 4.96 |
| 2006 | 18.00 | 14.51 | 4.40 | 15.79 |
| 2007 | 12.04 | 11.78 | 7.09 | 5.54 |
| 2008 | 10.15 | 10.65 | 5.45 | -36.99 |
| 2009 | 18.14 | 11.68 | 5.99 | 26.68 |
| 2010 | 32.77 | 27.00 | 6.71 | 15.06 |
| 2011 | 5.22 | 8.02 | 74 | 0.27 |
| 2012 | 15.19 | 11.79 | 4.29 | 16.07 |
| 2013 | 18.92 | 10.32 | -1.68 | 32.45 |
| 2014 | 9.95 | 9.76 | 6.73 | 13.78 |
| 2015 | 3.23 | 3.61 | 0.91 | 1.46 |
| 2016 | 11.90 | 9.61 | 2.91 | 12.01 |
| 2017 | 13.52 | 9.24 | 3.82 | 21.82 |
| 2018 | 1.26 | 3.51 | 0.15 | -4.41 |
| 2019 | 14.97 | 11.38 | 8.68 | 31.45 |
| 2020 | 25.44 | 20.95 | 7.50 | 18.31 |
| 2021 | 20.50 | 10.87 | -1.46 | 28.68 |
| 2022 | -18.80 | -8.27 | -12.83 | -18.13 |
| 2023 | 13.89 | 9.04 | 5.58 | 26.25 |
| 2022 | 25.44 | 20.95 | 7.50 | 18.31 |
| 2023 | 13.89 | 9.04 | -5.58 | 26.25 |