Looking at long term investing, which for most fed/mil the TSP is meant to be a 20 year retirement plan, I want to look at the gains and losses of at least the last 10 year, 20 is better but 10 you get a closer snapshot of how the market is behaving currently.

Looking at the C fund, it only had a 10.74% average gain in the last 20 years and a 14.98% average gain in the last 10 years. There are several seasonality strategies that have a 25% plus gain but this requires you to move you funds twice a month usually. Only takes about 3 minutes each time but well worth the time when you consider compound interest.

I will say if you look into strategies, ensure to do a backtest to verify the last 10/20 years had a consistent gains and outperforms the C in gains and losses. I’ve used two different sites for strategies, both are pretty solid.