# TSP TIPS — Data-driven market strategy

> Data-driven TSP investment analysis and recommendations for market strategy. (iPhone/iPad app by Investry Analytics LLC.)

- Source: https://appshunter.io/ios/app/tsp-tips/id728307716 (this page in markdown: same URL + `.md`)
- Developer: [Investry Analytics LLC](https://appshunter.io/developer/1675358116)
- Category: Finance, Business
- Price: Free with in-app purchases
- Rating: 3.30/5 from 144 App Store ratings · 70 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 14 MB
- Languages: American English
- Released: 2013-11-01
- Data updated: 2026-08-31
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/tsp-tips/id728307716/reviews.md

## What is TSP TIPS?

*** Now available: Mutual Fund Window TIPS. Take advantage of the TSP Mutual Fund Window by utilizing our new TIPS service, and diversify your investment for more aggressive growth opportunities. Our new backtested strategy has gained 22% every year from December 2018 to January 2025. ***

TSP TIPS uses analysis to help you avoid market downturns and try to keep your retirement safe.  We notify you when our analysis you should move your funds, and where to move it to; it's that simple.

• Market analysis to maximize growth and minimize risk
• Accommodating for your own preferences for risk tolerance (conservative, aggressive or moderate)
• We had positive gains during the 2008 financial crisis, and a 25% gain in 2013
• Backed by professional licensing and 25+ years of PhD research, experience, and proven results

We'll send you weekly market summaries with a recommendation on whether or not to move your funds (and where to move them to). Notifications are pushed right to your phone and your inbox, and to additional email addresses if you like.

Start getting TIPS today with a free 30-day trial, and about $8 a month after that.

• $79.99 annually (less than $7 a month), or
• $7.99 monthly

All subscriptions are paid through iTunes at the time of purchase, and renew automatically within 24 hours prior to the end of the current subscription period. Auto-renewal will charge $79.99 for annual and $7.99 for monthly subscriptions. If you'd like to disable automatic renewal, you can do so at any time prior to the 24 hour period before the end of the subscription. This can be done by going to Settings -> iTunes and App Store, viewing your Apple ID and then tapping "Manage subscriptions". It is not possible to cancel an active subscription period.

We believe everyone should be able to make informed, data-driven decisions about their TSP, and it shouldn't require a finance degree or deep pockets.  Making it to retirement is harder than ever, and we'd love to help you get there.

View our privacy policy and terms of use at https://www.tsptips.com/privacy.html.

## Key features

- Data-driven market analysis
- Personalized risk tolerance settings
- Investment recommendations
- Weekly market summaries
- Push notifications
- Mutual Fund Window TIPS

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| TSP TIPS Core - Annual | $79.99 | per year |
| TSP TIPS Core - Monthly | $7.99 | per month |
| TSP TIPS Premium - Annual | $99.99 | per year |
| TSP TIPS Premium - Monthly | $9.99 | per month |
| Mutual Fund Window TIPS 1 Year | $99.99 | per year |
| Mutual Fund Window TIPS 1month | $9.99 | per month |


## Chart rankings

- #86 in Top Grossing · Finance (US App Store)

## What do users think of TSP TIPS?

Overall sentiment: negative

**Pros**

- 📈 Helps grow TSP accounts
- 💡 Eliminates guesswork
- ✅ Provides clear guidance
- 💰 Pays for itself
- 👍 Easy to use
- 🚀 Delivers good returns
- 🔒 Takes stress out of investing
- ✅ Solid forecasts
- 👍 Good for beginners
- ✅ Developers respond to feedback

**Cons**

- 📉 Advice is often late
- 💸 Leads to losses
- ❌ Does not beat the market
- 🐛 Buggy and dysfunctional
- ⚠️ Auto-renewal issues
- 🚫 No support contact
- 💰 Expensive subscription
- 🤔 Advice seems counterintuitive
- 👎 Underperforms other services
- ⚠️ Price increases

**Commonly reported bugs**

- App crashes frequently
- Login issues
- Feedback function not working
- Data input not saving
- Graphs not displaying correctly
- App does not open
- Google sign-in not working
- Bug with updating account balance on smaller screens
- Reset password function not working
- App keeps crashing and cannot login

**Most requested features**

- App to reflect new TSP website terms
- More robust future planning calculators
- Push notifications for new recommendations
- Strategies for learning investors
- iPad version of the app
- Past annual performance data
- Graph smoothing for missing data
- Option to specify traditional or Roth contributions
- More frequent advice updates

## Recent user reviews (10 of 70)

All indexed reviews: https://appshunter.io/ios/app/tsp-tips/id728307716/reviews.md

### 2/5 — Strategy Failure

*2026-07-30, version 4.0.0*

Experienced this first hand…over a 6 month period, 1.3% returns with the TIPS weekly adjustment strategy vs 7% return or more on buy and hold of any other TSP L fund or mix.

Not worth the weekly reallocation…just useful for market summaries which you can get through any LLM.

### 1/5 — No Notification for Suggested Changes

*2026-03-05, version 4.0.0*

Extremely disappointed in this service. Have been used to getting email and push notifications when they have new recommendations. I received notifications on Sunday stating no changes recommended. On Tuesday, they made recommended changes but never notified subscribers. Because I wasn’t aware they suggested changes, I lost A LOT of money over the past 2 days! Save your money; no longer trust this service!

### 1/5 — Was using TSP. It doesn’t work!!! charged me for my sub-scrip

*2025-02-26, version 3.4.3*

Was using TSP. It doesn’t work!!! charged me for my sub-scription

### 3/5 — New TSP website

*2023-08-26, version 3.3*

If the app changes to reflect the new tsp website that would be great and I would give this a higher rating. The new website doesn’t use the terms “cash contribution” and “inter fund transfer” anymore.

### 3/5 — Very buggy

*2023-08-21, version 3.3*

The app is fraught with bugs and most functions don’t work at all.  Even the feedback function doesn’t work.  I can’t recommend spending the money annually for the subscription with the current level of disfunction.

### 1/5 — App issue

*2023-07-26, version 3.3*

For the past few weeks, there has been technical issues and unable to submit or report any issues. Does not save the data I input to mirror my tsp balance. Doesn’t show the graph of increase or decrease data on all the timeframe. I have deleted the app twice assuming it will correct the issue and still has not resolved the problem. Hopefully, this will get the issues taken care of.

### 1/5 — All Reviews ARE years old

*2022-12-06, version 3.2.1*

This product is a scam, buyer beware there is not legitimate advice given. You are better doing 60/40 then having some Chinese app steal your info here.

### 2/5 — Late on advice

*2022-09-27, version 3.2.1*

I have tried this app for several years. Works will when markets are booming.  But with volatility the advice is a a week late and has continued to cost me money.  They do. good job of explaining where the market went but poor at giving future predictions.  Also it’s a one size fits all approach, wish they would consider telling tsp investors advice based on where you are in your career.

### 3/5 — Good when works

*2022-08-14, version 3.2.1*

The app dosnt work on 15. 6 …. You can’t log into the app using Google sign in .

### 1/5 — Sell Low

*2022-01-21, version 3.2.1*

These guys are a day late. The philosophy seems like sell low and buy high.

## Frequently asked questions about TSP TIPS

### What does TSP TIPS do?

TSP TIPS provides data-driven market analysis and recommendations to help you manage your Thrift Savings Plan (TSP) investments. It aims to help you avoid market downturns and protect your retirement savings by suggesting when and where to move your funds.

### How does the app help with investment strategy?

The app uses analysis to suggest optimal fund movements for your TSP. It offers strategies that accommodate your preferred risk tolerance, whether conservative, aggressive, or moderate, and aims to maximize growth while minimizing risk.

### What is the cost of TSP TIPS?

TSP TIPS offers a free 30-day trial. After the trial, subscriptions cost approximately $8 a month or $79.99 annually. Payments are processed through iTunes and subscriptions renew automatically unless disabled.

### Can I cancel my subscription?

You can disable automatic renewal at any time prior to 24 hours before the end of your current subscription period by going to your Apple ID settings and managing subscriptions. However, it is not possible to cancel an active subscription period.

### What kind of notifications will I receive?

You will receive weekly market summaries with a recommendation on whether to move your funds and where to move them. These notifications are pushed directly to your phone and inbox, and can also be sent to additional email addresses.

## Version history (last 5 releases)

### 4.0.0 — 2025-04-30

* MFW TIPS - A new service for the TSP Mutual Fund Window for diversifying your account for aggressive growth
* New premium TSP TIPS service offering
* Bug fixes and small improvements
* Pricing changes for new subscribers

### 3.4.3 — 2024-06-05

Updated text and descriptions

### 3.4.2 — 2024-04-16

Bug fixes
Facebook login removal

### 3.4.1 — 2024-02-23

Bug fixes

### 3.4 — 2023-09-06

Bug fixes

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*