Library plan
Strategy #100047
Apr, 15th trading day: F Fund; May, 15th trading day: S Fund; Jul, 15th trading day: F Fund; Aug, 15th trading day: S Fund; Sep, 15th trading day: F Fund; Oct, 15th trading day: S Fund
Timed switch. A seasonal switch made on the 5th, 10th or 15th trading day or the last trading day instead of the 1st.
The plan
- April, 15th trading day: F Fund
- May, 15th trading day: S Fund
- July, 15th trading day: F Fund
- August, 15th trading day: S Fund
- September, 15th trading day: F Fund
- October, 15th trading day: S Fund
6 moves a year. One of the plans this site generated; nobody chose it.
When to move
Next move: Wed, Apr 21, 2027. Move to F Fund (15th trading day of April). The cutoff is 12:00 noon Eastern Time on a business day; a request in before it gets that day's share price.
Holding now: S Fund, since Oct 22, 2026.
| Date | Move to | Day rule |
|---|---|---|
| Wed, Apr 21, 2027 | F Fund | 15th trading day |
| Fri, May 21, 2027 | S Fund | 15th trading day |
| Thu, Jul 22, 2027 | F Fund | 15th trading day |
| Fri, Aug 20, 2027 | S Fund | 15th trading day |
| Wed, Sep 22, 2027 | F Fund | 15th trading day |
| Fri, Oct 22, 2027 | S Fund | 15th trading day |
Add these dates to your calendar (a calendar file with a reminder the evening before and one on the morning of each move).
Dates after Oct 27, 2026 are the expected business days: weekdays that are not stock-market holidays, Columbus Day or Veterans Day, from the holiday calendar checked through Dec 31, 2027. An unplanned market closure pushes a move to the next business day. How transfers post.
How it did, 2003 to 2026
$10,000 on Jun 2, 2003 would be about
$164,000
by Oct 27, 2026. Left in the C Fund the whole time: about $124,000.
Note: started 2003-06-02 (first day with prices for F, S) instead of the last priced day before 2003.
- Growth per year
- 12.7%
- C Fund 11.4%
- Worst year
- −27.4%
- 2022; C Fund −37.0%
- Biggest drop
- 42%
- peak to trough; C Fund 55%
- Beat the C Fund
- 13 of 22
- full calendar years
Full history, Jun 2, 2003 to Oct 27, 2026.
Over the fitted years, 2003 to 2017: 16.4% a year against 9.5% for the C Fund. That figure ranks 2 among every plan on this site.
Checked on years it was not built from, 2018 to 2026: 6.8% a year against 14.5% for the C Fund.
Sturdy 2 of 3. Failed: unseen years. What the checks are.
| Span | Growth/yr | C Fund | Worst year | Drop |
|---|---|---|---|---|
| Full history2003–2026 | 12.7% | 11.4% | −27.4% | 42% |
| Last 10 years2016–2026 | 9.3% | 15.0% | −27.4% | 42% |
| Last 5 years2021–2026 | 4.9% | 14.8% | −27.4% | 35% |
Year by year
| Year | This plan | C Fund |
|---|---|---|
| 2003* | 15.7% | 16.2% |
| 2004 | 26.7% | 10.8% |
| 2005 | 9.9% | 5.0% |
| 2006 | 13.0% | 15.8% |
| 2007 | 12.4% | 5.5% |
| 2008 | −13.4% | −37.0% |
| 2009 | 20.2% | 26.7% |
| 2010 | 44.9% | 15.1% |
| 2011 | 12.6% | 2.1% |
| 2012 | 19.8% | 16.1% |
| 2013 | 23.5% | 32.4% |
| 2014 | 16.9% | 13.8% |
| 2015 | 3.7% | 1.5% |
| 2016 | 19.7% | 12.0% |
| 2017 | 22.8% | 21.8% |
| 2018 | −5.5% | −4.4% |
| 2019 | 38.2% | 31.5% |
| 2020 | 3.5% | 18.3% |
| 2021 | 10.1% | 28.7% |
| 2022 | −27.4% | −18.1% |
| 2023 | 30.9% | 26.2% |
| 2024 | 10.3% | 25.0% |
| 2025 | 3.2% | 17.8% |
| 2026* | 11.1% | 13.8% |
* part of a year. Returns are from official daily share prices; each move happens at the close of its day.
Month by month
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2003 | 1.7%* | 1.1% | 1.2% | 3.5% | 1.7% | 3.5% | 2.0% | 15.7%* | |||||
| 2004 | 3.5% | 1.8% | 0.4% | −0.1% | 3.1% | 2.7% | −5.6% | 1.8% | 2.3% | 3.4% | 7.0% | 4.2% | 26.7% |
| 2005 | −3.4% | 2.0% | −1.9% | −1.7% | 1.7% | 3.4% | 4.8% | 2.1% | −2.4% | 0.1% | 4.7% | 0.4% | 9.9% |
| 2006 | 6.7% | −1.0% | 3.8% | 0.4% | 0.2% | 0.5% | −3.9% | 2.6% | −0.7% | 0.3% | 3.5% | 0.1% | 13.0% |
| 2007 | 3.1% | −0.3% | 1.1% | 3.6% | 1.2% | −1.5% | 2.0% | 3.0% | 2.4% | 3.6% | −5.7% | −0.4% | 12.4% |
| 2008 | −6.3% | −2.0% | −1.4% | 5.3% | 3.0% | −7.6% | 1.0% | 2.1% | −5.9% | 5.9% | −11.1% | 4.7% | −13.4% |
| 2009 | −8.2% | −10.2% | 8.6% | 10.1% | 4.7% | 0.7% | 4.5% | −0.8% | 8.9% | −7.5% | 3.9% | 6.6% | 20.2% |
| 2010 | −2.4% | 4.9% | 7.4% | 7.4% | 3.5% | −6.9% | 5.7% | −0.9% | 8.7% | 1.0% | 3.0% | 7.4% | 44.9% |
| 2011 | 1.2% | 4.5% | 2.1% | 1.4% | 2.8% | −2.4% | 2.5% | 13.1% | −11.0% | −0.2% | −0.5% | 0.0% | 12.6% |
| 2012 | 7.6% | 4.0% | 2.3% | −3.3% | 0.2% | 3.2% | −1.9% | −1.2% | 4.1% | −0.6% | 1.5% | 2.7% | 19.8% |
| 2013 | 7.0% | 1.0% | 4.7% | −2.7% | −2.9% | −1.0% | 6.8% | −1.9% | 5.9% | −0.2% | 2.5% | 2.9% | 23.5% |
| 2014 | −1.9% | 5.4% | −0.7% | −0.3% | 3.1% | 4.4% | −1.9% | 1.9% | −3.0% | 6.9% | 1.3% | 1.0% | 16.9% |
| 2015 | −1.8% | 6.1% | 1.2% | 0.9% | −1.5% | −0.7% | 0.8% | 0.7% | −1.1% | 1.6% | 1.7% | −3.9% | 3.7% |
| 2016 | −8.7% | 0.5% | 8.2% | 2.4% | 3.0% | −0.1% | 5.2% | −0.1% | 1.6% | −2.5% | 8.0% | 1.8% | 19.7% |
| 2017 | 2.2% | 2.4% | −0.1% | 1.0% | 1.2% | 2.3% | 1.7% | 3.8% | 2.3% | 0.5% | 2.9% | 0.5% | 22.8% |
| 2018 | 3.3% | −3.8% | 0.7% | 1.9% | −0.9% | 0.9% | 3.3% | 2.1% | −1.2% | −2.3% | 1.9% | −10.7% | −5.5% |
| 2019 | 11.6% | 5.0% | −1.0% | 2.4% | −4.1% | 6.8% | 0.6% | 1.5% | 3.1% | 1.1% | 4.5% | 2.2% | 38.2% |
| 2020 | −0.6% | −8.0% | −21.4% | 7.1% | 4.4% | 4.0% | 6.5% | 2.2% | −4.4% | −6.1% | 18.3% | 7.2% | 3.5% |
| 2021 | 2.9% | 5.2% | −0.4% | 2.7% | 2.5% | 3.5% | −2.0% | 3.9% | −3.0% | −0.5% | −5.0% | 0.6% | 10.1% |
| 2022 | −10.1% | 0.0% | 0.9% | −7.2% | 3.7% | −8.0% | 6.9% | −7.0% | −8.0% | 2.0% | 3.6% | −6.6% | −27.4% |
| 2023 | 10.8% | −1.6% | −2.9% | −1.0% | −2.0% | 8.3% | 3.9% | 0.8% | −6.5% | −2.1% | 11.2% | 10.4% | 30.9% |
| 2024 | −2.4% | 6.0% | 3.3% | −7.9% | −0.2% | −0.1% | 6.5% | 3.5% | 1.0% | −3.0% | 12.0% | −7.0% | 10.3% |
| 2025 | 5.0% | −5.8% | −7.9% | −4.2% | −0.6% | 5.4% | 3.1% | 4.1% | 3.5% | 2.8% | −0.4% | −0.5% | 3.2% |
| 2026 | 2.4% | 1.1% | −4.6% | 9.6% | 2.9% | 4.3% | −3.6% | −1.3% | −2.9% | 3.4%* | 11.1%* |
Blue, the month was up; red, it was down; the deeper the colour, the bigger the move. * part of a month or year.
Past performance does not predict future returns. This is not investment advice.
Official TSP share prices through Oct 27, 2026.
Compare with other saved strategies side by side, or browse the TSP Tools leaderboard. The C Fund and every other fund held all year are there too.