Bottom Line Up Front: Provide a forum to disseminate my simple, financially sound, reallocation of mutual funds at the lowest possible cost to the customer while generating excess alpha over buy and hold strategies.
My Funds Coach is dedicated to ensuring everyone has the best information when making mutual fund investment allocation decisions.
Building upon the success of TSP Coach, my investment strategy has over 15 years of proven success, and now you can follow
along as I change my allocations no more than once every 30 calendar days.
My service is perfect
for the investor that wants to maximize their return without high fees, complex
newsletters, market timing, or other fancy strategies that rely on the 'intuition'
of the plan manager. I already calculate my allocation percentages every month, and
I want to share my success with you.
In early 2020, we adapted our strategy for the Thrift Savings Plan (the 401k for US Government employees) and applied it to three of the most popular mutual fund companies: Fidelity, Vanguard, and USAA. We are now ready to offer this service to you.
Simple, once a month, changes to mutual fund allocations have achieved returns far exceeding the buy and hold method.
| Year | MF Coach |
|---|---|
| Life* | 17.64% |
| 2020 | 38.52% |
| 2021 | -8.89% |
| 2022 | -27.42% |
| 2023 | 13.98% |
| 2024 | 12.68% |
| Annualized | 3.90% |
| As of: | 3/28/2024 |
| USIBX | USAAX | USCAX | USIFX | ||||||
|---|---|---|---|---|---|---|---|---|---|
| -12.74% | 38.10% | -14.89% | 6.50% | ||||||
| 5.09% | 31.27% | 12.45% | 1.28% | ||||||
| -3.90% | 6.75% | -18.61% | 5.19% | ||||||
| -15.30% | -37.08% | -24.53% | -18.12% | ||||||
| 2.79% | 38.99% | 17.14% | 15.25% | ||||||
| -0.76% | 12.68% | 5.20% | 5.93% | ||||||
| -3.16% | 7.89% | -3.72% | 1.49% | ||||||
| * My Funds Coach strategy has been in use since January 1, 2020 | |||||||||
| Year | MF Coach |
|---|---|
| Life* | 82.40% |
| 2020 | 57.83% |
| 2021 | -1.92% |
| 2022 | -17.14% |
| 2023 | 25.71% |
| 2024 | 13.12% |
| Annualized | 15.19% |
| As of: | 3/28/2024 |
| FCBFX | FOCPX | FDVLX | FWWFX | ||||||
|---|---|---|---|---|---|---|---|---|---|
| -12.12% | 72.40% | 41.82% | 28.49% | ||||||
| 9.45% | 45.98% | 8.22% | 20.77% | ||||||
| -4.39% | 12.73% | 22.20% | 5.05% | ||||||
| -19.00% | -35.04% | -14.69% | -30.13% | ||||||
| 4.67% | 42.56% | 14.97% | 23.75% | ||||||
| -0.95% | 13.12% | 9.33% | 17.13% | ||||||
| -2.99% | 13.67% | 8.57% | 6.08% | ||||||
| * My Funds Coach strategy has been in use since January 1, 2020 | |||||||||
| Year | MF Coach |
|---|---|
| Life* | 53.25% |
| 2020 | 49.86% |
| 2021 | -0.89% |
| 2022 | -28.32% |
| 2023 | 29.98% |
| 2024 | 10.75% |
| Annualized | 10.57% |
| As of: | 3/28/2024 |
| VBLAX | VIGAX | VSGAX | VFSAX | ||||||
|---|---|---|---|---|---|---|---|---|---|
| -25.98% | 90.06% | 23.60% | 5.25% | ||||||
| 12.75% | 39.93% | 35.02% | 10.11% | ||||||
| -6.01% | 27.33% | 5.62% | 9.29% | ||||||
| -29.78% | -33.95% | -28.99% | -22.74% | ||||||
| 3.09% | 45.83% | 22.15% | 11.59% | ||||||
| -3.53% | 10.75% | 6.39% | 1.44% | ||||||
| -6.84% | 16.31% | 6.68% | 1.21% | ||||||
| * My Funds Coach strategy has been in use since January 1, 2020 | |||||||||
Blah blah blah
Blah blah blah
Blah blah blah
We update our allocation percentages in the evening of the last trading day of the month. The exact hour is dependent on when the share prices post for that day. On occasion, I delay my allocation changes until the Sunday before trading begins on a new month.
You can find my entire Allocation History further down this page.
Any allocation changes you make are up to you. I feel confident enough in my numbers to trust them for the entire month, whether I am in the beginning, middle, or end.
You receive access to the Member’s Section of my website where you will find my monthly allocation percentages for all three mutual fund families, and when changes have been made, a short commentary on what is driving my allocation percentages. If I have not made a significant change from the previous month, there will be little to no commentary. I try not to be too verbose as I want to keep it simple without too much blather.
No. I keep emails to my subscribers very limited. You can follow me on Twitter for allocation announcements.
If required, I request a contribution allocation change AND an interfund transfer on the evening of the last trading day of the month.
Download our Privacy Policy
We use PayPal to process all of our transactions. Once you have processed your payment through PayPal, you will be directed to our Thank You screen. Within 24 hours, you will receive an invoice from sales@myfundscoach.com or sales@tspcoach.com if you already subscribe to TSP Coach with your Username and Password.
Send me an email at sales@myfundscoach.com and we will provide you with your login credentials or change your email address, as required.
Yes.
You may cancel your renewal by logging onto PayPal and cancelling your subscription. You may cancel an annual subscription early at any time by sending me an email at sales@myfundscoach.com and I will issue you a refund in the amount of your annual fee minus the number of months you used at the monthly subscription rate. (e.g. $60 annual rate – 4 months at $7 = $32 refund). I do not offer refunds for monthly subscriptions for obvious reasons.
We have developed a simple, yet effective, investment program that reallocates mutual funds from three of the major mutual fund companies, Vanguard, Fidelity, and USAA at the end of each month, when necessary. At the end of every month, log onto our member's section to view the new allocation percentages.
Manage your mutual fund investments to generate better returns. Building on the success of TSP Coach, we have created three new programs designed to maximize your returns.
The returns with our program are significantly higher than a buy and hold strategy and significantly exceed the lifestyle or targeted retirement date funds offered by many mutual fund companies.
We have maximized our returns while
minimizing our risk in a repeatable, consistent manner. Don't delay, subscribe today!
1. Built on a legacy of successful returns with TSP Coach.
2. Simple allocation strategy changes allocations and monthly fund percentages once a month-perfect for all investors.
One allocation change, once a month, at the end of the month, is all I do.
3. Our strategy
has not changed in over 15 years.
4. Methodology is rooted in
investment research spanning over five decades. I utilize the Sharpe Ratio
with my own proprietary formula to arrive at my allocation percentages.
5. Most affordable
investment newsletter around!
By subscribing through PayPal to our information service, you will receive a username and a password via email that will give
you access to our monthly allocation page.
The allocation page will be updated at the end of the last trading day of each month. We will make
an announcement on Twitter @TSPCoach when our allocation page has been updated.
Subscription Prices:
Monthly $7
Yearly $60
Answers to: Allocation Update Process, Subscription and Cancellation Policy, and much more.
My Funds Coach uses the Sharpe Ratio, Modern Portfolio Theory, and a proprietary formula to calculate
our allocation percentages.
Building off the success of TSP Coach, we use the same decision-making process to allocate mutual funds in the USAA, Fidelity, and Vanguard mutual fund families. We have chosen bond funds, large cap funds, small cap funds, and international funds. As mutual funds often have limits on how often trades can be made, we keep our trades to a minimum but only trading at most once a month (e.g., every thirty calendar days).
With mutual funds having minimum investment thresholds, you may want to keep a residual amount of investment dollars in each fund to ensure access to the fund should it be closed to new investors. Should a fund close to all investments, we will have to make changes to our strategy, and we will post a special notice.
Finally, there are many different levels of the same funds in some mutual fund companies (e.g., Vanguard Admiral Funds or Vanguard ETFs) that have lower fees or with better tax advantages; please explore those options. With the trading limitations listed above, it is not wise to make allocation decisions based on market timing or overly complex analysis
of daily market swings. Therefore, we decided to implement a simple allocation strategy which calculates mutual fund allocation
percentages once a month.
With our simple allocation strategy,We Maximize Your Investing Returns.
| Allocation Date | USIBX | USAAX | USCAX | USIFX |
|---|
| 12/31/2019 | 0% | 51% | 20% | 29% |
| 1/31/2020 | 0% | 100% | 0% | 0% |
| 2/29/2020 | 0% | 100% | 0% | 0% |
| 3/31/2020 | 0% | 100% | 0% | 0% |
| 4/30/2020 | 0% | 100% | 0% | 0% |
| 5/31/2020 | 0% | 100% | 0% | 0% |
| 6/30/2020 | 0% | 100% | 0% | 0% |
| 7/31/2020 | 0% | 100% | 0% | 0% |
| 8/31/2020 | 100% | 0% | 0% | 0% |
| 9/30/2020 | 100% | 0% | 0% | 0% |
| 10/31/2020 | 0% | 100% | 0% | 0% |
| Allocation Date | FCBFX | FOCPX | FDVLX | FWWFX |
|---|
| 12/31/2019 | 0% | 100% | 0% | 0% |
| 1/31/2020 | 0% | 100% | 0% | 0% |
| 2/29/2020 | 0% | 100% | 0% | 0% |
| 3/31/2020 | 0% | 100% | 0% | 0% |
| 4/30/2020 | 0% | 100% | 0% | 0% |
| 5/31/2020 | 0% | 100% | 0% | 0% |
| 6/30/2020 | 0% | 100% | 0% | 0% |
| 7/31/2020 | 0% | 100% | 0% | 0% |
| 8/31/2020 | 100% | 0% | 0% | 0% |
| 9/30/2020 | 100% | 0% | 0% | 0% |
| 10/31/2020 | 0% | 100% | 0% | 0% |
| Allocation Date | VBLAX | VIGAX | VSGAX | VFSAX |
|---|
| 12/31/2019 | 0% | 100% | 0% | 0% |
| 1/31/2020 | 0% | 100% | 0% | 0% |
| 2/29/2020 | 0% | 100% | 0% | 0% |
| 3/31/2020 | 0% | 100% | 0% | 0% |
| 4/30/2020 | 0% | 100% | 0% | 0% |
| 5/31/2020 | 0% | 100% | 0% | 0% |
| 6/30/2020 | 0% | 100% | 0% | 0% |
| 7/31/2020 | 0% | 100% | 0% | 0% |
| 8/31/2020 | 100% | 0% | 0% | 0% |
| 9/30/2020 | 100% | 0% | 0% | 0% |
| 10/31/2020 | 0% | 100% | 0% | 0% |
We welcome any comments or questions about our service and how we can make it better.
If you have forgotten your username and/or password,
please email us using the mail icon above, and we will send you an email with your login information.
My Funds Coach has grown out of the success of Thrift Savings Plan (TSP) Coach. After strong demand for a mutual fund program like TSP Coach, we started developing these services in 2019 and tested them in 2020. These services were started by a US Navy Officer with over 22 years of investment experience. As an active duty officer, he managed the
squadron TSP enrollment when it was first implemented in 2003 and is committed to ensuring everyone has the knowledge
necessary to make the best financial decisions when investing for their future. He holds an undergraduate degree in
Systems Engineering and received his MBA from Columbia University. His desire to educate all investors and his entrepreneurial spirit were the driving motivators for creating this website. We are committed to ensuring that investors in this retirement plan have the best information possible, at the lowest possible price.
My Funds Coach has two
other board members that bring a wealth of experience in the financial industry serving as CFO's and Presidents in several different
companies.
We have validated our investment model through exacting research and proven results. We hope you can benefit from seeing how
we invest our hard earned money.
