TSP Maxing uses AI-calculated research on official daily share-price history (June 2003–Oct 2026) to help you pursue higher compounded growth, smaller drawdowns, and a clearer path to six- and seven-figure balances — while staying inside the official 2 interfund transfers per month limit.
Research on official daily TSP share prices (G/F/C/S/I) · June 2003 – Oct 2026 · Not a guarantee · Confirm every transfer on tsp.gov
Built for federal employees and uniformed service members who want higher long-run growth without breaking TSP rules.
Daily-price research (2003–2026) finds rules-compliant strategies with historical CAGR around ~22% (seasonal day-windows, 2-IFT enforced) vs ~11.5% buy-and-hold C — and a mechanical RS 3-mo → G path near ~12.2% with much shallower drawdowns. That edge compounds into materially more wealth.
Maximize growthSignals, rankings, and year-by-year returns are AI-calculated from official TSP daily share-price history — so you see what the rule would have done, and what it points to now.
AI-calculatedWhen all equity momentum turns negative, the rule moves to the G Fund to help preserve capital. On daily data, the RS 3-mo → G rule’s historical max drawdown is about −18% vs ≈ −55% for buy-and-hold C.
Capital preservationMembers get research-backed recommendations: which fund, when to move, and why — plus exact historical transfer dates. Structured playbook guidance without paying for a one-off advisor consult on every decision.
Included with membershipEvery strategy is designed for the official limit of two unrestricted IFTs per month. The primary rule uses ≤ 1 transfer per month so you stay fully inside the rules.
TSP rulesWith consistent contributions and higher compounding, many career paths can aim at seven-figure TSP balances. Members run projections with their real salary deferrals, timeline, and strategy rate presets.
Retire a millionaire mindsetStrategy results on TSP Maxing are researched from official daily TSP share prices for the G, F, C, S, and I funds — 2 June 2003 through 6 October 2026 (5,830 trading days). Day-of-month, seasonal, and relative-strength rules are tested under the 2 unrestricted IFTs per month limit. Top researched maps show historical CAGR near ~22%; the mechanical RS 3-mo → G rule is near ~12.2% with lower drawdowns. Past results do not guarantee future returns.
Illustrative results from AI-calculated back-tests on official daily TSP share prices (June 2003–Oct 2026, 5,800+ trading days). Past performance is not a guarantee of future results.
Annualized growth on daily TSP prices (2003–2026). Top bar = best 2-IFT research map; RS = mechanical rule
Illustrative: $10,000 at 18% (TSP Maxing) vs ~11.5% (buy-and-hold C) over about 22 years
| Approach | Hist. CAGR | Max drawdown | Transfers / yr | Best for |
|---|---|---|---|---|
| Seasonal day-windows (2-IFT) | ~21.7% | −31.6% | ~18 | Highest hist. CAGR on daily research |
| TSP Maxing · RS 3-mo → G | ~12.2% | −18.1% | ~4.8 | Strong return + much lower DD |
| Buy & hold C Fund | ~11.5% | −55.2% | 0 | Set-and-forget equity |
| Buy & hold S Fund | ~11.0% | −57.4% | 0 | Small/mid-cap tilt |
| Buy & hold G Fund | ~3.0% | 0.0% | 0 | Principal stability |
Enter your current TSP balance and age. This illustration compares a typical money-market path, the G Fund, and the highest researched TSP Maxing strategy rate — so you can see why membership is built to aim higher.
TSP Maxing line uses 18% annual — the illustrated TSP Maxing strategy rate used in this comparison. G Fund shown at about 4%. Money market shown at 8%. Past performance does not guarantee future results. Not investment advice.
Small differences in annualized return compound into large differences over a career. Illustrative only — your results will differ.
Illustrative ending balance near historical C Fund rates with strong, consistent contributions over a full career.
Example: $25k start · $1,000/mo · ~11.5% B&H C · 30 years. Hypothetical constant return; markets vary.
Same savings rate with the higher historical strategy CAGR — more wealth from the same discipline and time in the plan.
Example: $25k start · $1,000/mo · ~12.2% · 30 years (RS rule). Hypothetical. Not a guarantee of $1M+ or any specific outcome.
Same contributions at ~3% historical G-like growth — far less wealth than equity or the maxing path.
Example: $25k start · $1,000/mo · ~3% · 30 years. Shows why staying only in G can leave returns on the table.
Higher deferrals plus higher compounding — the combination that most reliably supports “retire a millionaire” goals.
Example: $40k start · $1,500/mo · ~12.2% · 30 years (RS rule). Illustrative only. Your income, match, and markets will differ.
Benefits scale with contributions. Members use the Projection tool with their real balance and deferral rate. Strategy helps; saving more and staying invested for decades is what drives seven-figure outcomes.
From signal to transfer — a simple monthly process that respects TSP rules.
Unlock the full suite: recommendations, history, analyzer, and projections.
See which fund the rule points to now and the exact dates it transferred in history.
When needed, submit one IFT before noon ET. Stay at ≤1 strategy transfer per month.
At month-end, refresh the signal. Use G Fund defense when equity momentum is negative.
Everything below is inside the membership app after you join or log in.
“Live transfer signal, ranking table, and year-by-year strategy returns — so you always know what the rule says and why.”
“Project your balance to retirement with historical rate presets, including the maxing strategy CAGR.”
“Compare strategies side by side: CAGR, max drawdown, and transfer frequency under the 2-IFT limit.”
“Official-style TSP transfer rules reference so you never wonder whether a move is allowed.”
Unlock AI-calculated signals, the highest historical rules-compliant return path we tested, drawdown defense, and projections built for seven-figure retirement goals.
Demo unlock available in the member home file · Connect real billing for production