TSP Coaching Using Our Proprietary
Artificial Intelligence Engine

Federal Employees at Over
36 Agencies
Use Our Engine

Risk Free Opportunity to
Improve Your
TSP Performance

  • AI-Based
    Allocation

    Our artificial intelligence engine provides daily personalized allocation forecast services for your TSP account.

  • Retirement Saving
    Analysis

    The big data service automatically collects and analyzes financial market information to help you select your TSP funds and allocation.

  • Investment
    Services

    Our best machine self-learning algorithm provides unique advice to increase the investment return for your G, F, C, S, I, and L funds.

About

SmarterAllocations.com is a financial coaching website dedicated to helping federal employees and military personnel manage their Thrift Savings Plan (TSP) investments. The site provides comprehensive tools, resources, and expert insights to forecast and optimize TSP investment performance. Users can access historical data, predictive models, and personalized advice to make informed decisions about their retirement savings.

SmarterAllocations.com aims to empower its users with the knowledge and strategies needed to maximize their TSP returns and secure a financially stable future.

More than 36
Agency Employees
Use Our Engine

The algorithm behind SmarterAllocations.com leverages historical data, market analysis, and predictive modeling to provide users with insights and recommendations for optimizing their Thrift Savings Plan (TSP) investments. Here’s a breakdown of how the algorithm works:

1. Data Collection
Historical Data: The algorithm collects extensive historical data on TSP funds, including performance metrics, volatility, and trends.
Market Indicators: It also integrates relevant market indicators such as stock market indices, bond yields, interest rates, and economic indicators.
2. Predictive Modeling
Statistical Analysis: Using statistical techniques, the algorithm analyzes the historical data to identify patterns and correlations between TSP fund performance and market indicators.
Machine Learning: Advanced machine learning models are employed to forecast future performance based on identified patterns. These models are trained to adjust predictions based on new data inputs, improving accuracy over time.
3. Risk Assessment
Volatility Analysis: The algorithm assesses the volatility of different TSP funds to gauge the level of risk associated with each investment option.
Risk Tolerance: It takes into account the user’s risk tolerance, investment horizon, and retirement goals to tailor recommendations that align with their individual profile.
4. Investment Recommendations
Allocation Strategies: Based on the predictive models and risk assessment, the algorithm suggests optimal allocation strategies for the user’s TSP investments. This includes recommendations on how to distribute contributions across different TSP funds (G Fund, F Fund, C Fund, S Fund, I Fund).
Periodic Adjustments: The algorithm provides periodic updates and adjustments to the recommended allocation to respond to changing market conditions and new data inputs.
5. User Personalization
Profile Customization: Users can input their personal information, such as age, retirement date, current TSP balance, and contribution levels.
Goal Setting: The algorithm allows users to set specific retirement goals, helping to tailor investment strategies that aim to achieve these objectives.
6. Performance Monitoring
Tracking Tools: Users can monitor the performance of their TSP investments through the platform’s tracking tools, which display real-time data and historical performance.
Alerts and Notifications: The algorithm sends alerts and notifications to users about significant market changes, potential risks, and opportunities for rebalancing their portfolios.
7. Educational Resources
Insights and Analysis: SmarterAllocations.com provides users with insights and analysis to help them understand market trends and the rationale behind the algorithm’s recommendations.
Guides and Tutorials: The platform offers educational resources, including guides and tutorials, to enhance users’ financial literacy and investment knowledge.

By integrating comprehensive data analysis, advanced predictive modeling, and personalized recommendations, SmarterAllocations.com's algorithm helps federal employees and military personnel make informed decisions to optimize their TSP investments and achieve their retirement goals.

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