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Tired of the superfluous investment news and black box strategies, we set out to find the best strategy for diversified index funds. After researching investment news letters and strategies, we found what we think is hands down the best strategy since it is simple to execute, avoids most bear market losses, and significantly beats a buy and hold investor over the full market cycle. Our goal is to help investors avoid expensive fees and commissions and unrecoverable investment mistakes. We enjoy sharing our research and if you read us you will learn why our motto is simply "Invest Smart".

  • TSP Smart: Debt Gone Wild

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    Daydream, fantasize or hallucinate – if you choose. But this is a fiasco – and rather tangible, at that. It started years – even decades – ago. The craziness turned extreme last year, with the Fed aggressively stimulating in the face of highly speculative markets. It was never going to end well.

  • The Smart Bird – He Knew

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    Every wave ends the same

    We are in a hostile investing environment with poor long-term support for the current prices in the markets. The stock market is simply riding the Fed’s largest intervention in history. And every wave ends the same.

  • TSP Smart: Don’t Buy Stocks About to Get Wiped Out

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    It appears there are a lot of investors who do not know that stock prices get wiped out in bankruptcy.

  • TSP Funds: False Confidence Threatens Survival

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    Most retail investors have not experienced stocks and corporate bonds being wiped out in a restructuring. It will come as a shock to many. The reason a few mega companies are pulling the SP500 higher is a defensive move away from this restructuring risk.

  • TSP Funds: Instability

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    Use common sense and look around. Earnings and cash flow determine stock prices after the corporate buybacks go away. The Fed is screaming DANGER and yes they “temporarily” provided liquidity (printed money) to halt the financial sell off. But they can NOT stop the economic damage that matters in the long run.

  • USAA Throws Customers Under the Schwab Bus

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    I just want to point out how Schwab and other investment companies are making money in the age of low fees and zero trade commissions – your cash accounts.

  • TSP Allocation Guide Coronavirus Update

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    The funds have not changed, my strategy has not changed but the investing environment has and so must your allocations if your retirement nest egg is to survive. Denial is in the air everywhere we look. Don’t follow the herd.

  • TSP Smart: Invest in This

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    Asymptomatic patients may have hypoxemia and not know it. This $20 device will allow you to monitor your oxygen level in your blood and if you go under 90% you better see a doctor. Organ damage is occurring in people with no symptoms or mild symptoms due to lack of enough oxygen getting to body organs over an extended period of time.

  • TSP Smart: Re-opening

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    So the state of Georgia wants to start re-opening in late April based in part of the “positive data”. Ummmm… the positive data is due to the lock down and social distancing, not because the virus is going away.

  • TSP Smart: Oil Prices Go Negative

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    I would think that the price of oil dropping to negative forty dollars a barrel (-$40) on the May Futures qualifies as interesting. It brings up the question of “what does that mean” from many angles such as: