Strategy Failure
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.
Not worth the weekly reallocation…just useful for market summaries which you can get through any LLM.
No Notification for Suggested Changes
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!
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Was using TSP. It doesn’t work!!! charged me for my sub-scrip
Was using TSP. It doesn’t work!!! charged me for my sub-scription
New TSP website
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.
Very buggy
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.
App issue
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.
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All Reviews ARE years old
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.
Late on advice
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.
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Good when works
The app dosnt work on 15. 6 …. You can’t log into the app using Google sign in .
Sell Low
These guys are a day late. The philosophy seems like sell low and buy high.
Not working
I have downloaded this app repeatedly, but it will not open. Just has 3 dots that move back and forth and never opens.
A must have!!
I have been using this app well over four years and I have seen my Thrift grow by leaps and bounds since the days of trying to guesstimate when to move through funds myself. I’m grateful that this app exists and thanks to the team for great guidance!
They sneak up on you.
You must keep an eye on your billing cycle because they sneak up on you to re-bill you.
Reputable apps advise customers of upcoming charges but not these guys.
Yes, I’m sure it’s in the micro-fine print so they zsm ‘gotcha!’ But still, be a good player and remind people of upcoming charges.
Also, the TSP tips are lethargic at best.
I moved my TSP investments to the stable G find way back in February before the pandemic took hold, meanwhile these guys were asleep at the wheel and had I not been vigilant, I would have lost 40% of my retirement TSP investment.
Reputable apps advise customers of upcoming charges but not these guys.
Yes, I’m sure it’s in the micro-fine print so they zsm ‘gotcha!’ But still, be a good player and remind people of upcoming charges.
Also, the TSP tips are lethargic at best.
I moved my TSP investments to the stable G find way back in February before the pandemic took hold, meanwhile these guys were asleep at the wheel and had I not been vigilant, I would have lost 40% of my retirement TSP investment.
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Terrible app - no support
There is no way to contact support. It’ll bill up and email where you can send a response but you can never send it, there’s no option to send. I’ve lost $6000 over the last year and my wife lost $4000 the last year following their “tips”. This app is great I’d you want to lose money. I swear that nobody is actually doing any research or reviewing these comments. I think it is set up to run autonomously with an algorithm that clearly does t work! They renewed me automatically and now I’m trying to get my money back for the year. Like one person said, I’d like to see the results of their “tips” vs the actual returns over the years/months! They won’t provide that because it will should huge loses!
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Terrible advice.
Tried the free trial while doing my own thing. They missed the crash, the recovery, and have underperformed other similar services. They are weeks behind in the correct advice and the reasoning behind the moves is not sound. Use another service or try an L fund. Or do what they appear to be doing...blindly throwing darts at a board for advice.
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Look at my actual data, do not buy!
I bought this app and followed its recommendations for exactly 1 year (2019). According to my TSP Annual Statement, my account increased by 13.83%. Looking at the standard L funds for 2019; L2030 earned 17.6%, L2040 earned 20.69% and L2050 earned 23.33%. Do not buy the subscription for this app since based the above numbers, you can do significantly better by investing directly in any of the above mentioned L funds.
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Not a good service.
I used the service for 1 year. What a mistake. My return I’ve the year was under 8.7%. By comparison the L funds from 2020 to 2050 was 9.38% 17.60%, 20.69% and 23.33%. It seems that with this advice you’ll lose money.
Buy High / Sell Low
I’ve had this app for a couple years now, and I have consistently lost money by following its advice. The times I forget to check the app? Then I make money.
It does the opposite of what it promises and it will gradually charge you more for its failure. Don’t waste your time. Use buy and hold or L Funds.
It does the opposite of what it promises and it will gradually charge you more for its failure. Don’t waste your time. Use buy and hold or L Funds.
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Does not beat the market
My PIP as of Dec 2019 17.56% after using tsptips
My friends’ PIP’s who started the same time as me and have everything in the C fund
23.26%
You’re a sucker if you think you can beat the market
My friends’ PIP’s who started the same time as me and have everything in the C fund
23.26%
You’re a sucker if you think you can beat the market
Better Off in a Lifecycle Fund on the TSP site
After completing my three month trial and one year subscription, I will not be coming back. My coworkers are getting double digit returns for the last year and TSP tips was about 4%. Not worth the money or hassle if you miss the trading date. You’re better off using one of the free TSP Lifecycle funds that matches your risk level. It’s free and they’ll do all the work.
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