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Check out our previous allocation history

OUR SERVICE

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.

MFC Values

Manage your Mutual Fund Investments with the Best Performing Allocation Plan!

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 20 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.

SUBSCRIBE

PERFORMANCE


Annualized Returns of over 19.18%

USAA Mutual Funds

Year1 MF Coach
Life 59.00%
3 Years 6.34%
2020 44.18%
2021 -0.53%
2022 -23.01%
2023 22.53%
2024 17.42%
Annualized 9.93%
As of: 11/15/2024
USIBX USAAX USCAX USIFX
2.57% 107.34% 47.22% 24.01%
-7.47% 24.75% -5.15% 7.71%
9.39% 37.07% 22.22% 3.26%
0.90% 16.97% 17.08% 14.83%
-12.67% -32.49% -19.99% -15.91%
7.18% 48.38% 17.35% 17.47%
-0.72% 29.09% 9.58% 5.89%
0.52% 16.12% 8.25% 4.51%
1MFC Strategy and Life dates are January 1, 2020.
  • USAA Mutual Funds

  • MFC Lifetime Performance

Fidelity Mutual Funds

Year1 MF Coach
Life 136.05%
3 Years 37.44%
2020 59.95%
2021 11.62%
2022 -11.03%
2023 26.35%
2024 17.75%
Annualized 19.18%
As of: 11/15/2024
FCBFX FOCPX FDVLX FWWFX
-0.26% 104.25% 83.01% 83.45%
-8.80% 30.62% 23.20% 21.57%
10.82% 46.75% 9.33% 30.91%
-1.20% 24.94% 35.30% 18.49%
-16.43% -32.08% -9.07% -25.74%
8.82% 42.64% 19.57% 24.96%
0.16% 14.98% 13.79% 27.45%
-0.05% 15.76% 13.19% 13.24%
1MFC Strategy and Life dates are January 1, 2020.
  • Fidelity Mutual Funds

  • MFC Lifetime Performance

Vanguard Mutual Funds

Year1 MF Coach
Life 63.32%
3 Years 9.42%
2020 50.13%
2021 2.15%
2022 -28.10%
2023 29.21%
2024 14.75%
Annualized 10.54%
As of: 11/15/2024
VBLAX VIGAX VSGAX VFSAX
-16.33% 123.99% 44.17% 16.16%
-22.26% 31.80% -8.10% -5.23%
16.26% 40.18% 35.27% 11.89%
-2.64% 27.26% 5.70% 12.68%
-27.22% -33.14% -28.39% -21.30%
7.55% 46.76% 23.04% 15.12%
-5.57% 27.96% 14.45% 1.69%
-3.59% 17.97% 7.79% 3.12%
1MFC Strategy and Life dates are January 1, 2020.
  • Vanguard Mutual Funds

  • MFC Lifetime Performance

HOW IT WORKS

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.

MY FUNDS COACH PROGRAM

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!

WHY ARE WE BETTER?

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 20 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!

SUBSCRIBE

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

FAQ

Answers to: Allocation Update Process, Subscription and Cancellation Policy, and much more.

Answers to Subscriber Questions

Answers to questions I have answered over the years from subscrbers
Disclaimer: I cannot provide advice, only how I invest.

ALLOCATION HISTORY

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.


MUTUAL FUND QUOTES

USAA
Date USIBX USAAX USCAX USIFX
2024-11-15 9.12 41.23 14.53 27.52
2024-11-14 9.12 42.09 14.75 27.63
Daily Change 0%-2.04%-1.49%-0.4%
Month to Date -0.65%4.35%4.46%-2.1%
Year to Date -0.72%29.09%9.58%5.89%
Fidelity
Date FCBFX FOCPX FDVLX FWWFX
2024-11-15 10.48 21.03 16.34 39.65
2024-11-14 10.49 21.56 16.42 40.11
Daily Change -0.1%-2.46%-0.49%-1.15%
Month to Date -0.66%2.64%3.61%1.69%
Year to Date 0.16%14.98%13.79%27.45%
Vanguard
Date VBLAX VIGAX VSGAX VFSAX
2024-11-15 10.62 204.73 98.58 28.88
2024-11-14 10.65 208.94 100.15 28.98
Daily Change -0.28%-2.01%-1.57%-0.35%
Month to Date -1.58%3.83%5.1%-2.6%
Year to Date -5.57%27.96%14.45%1.69%

CONTACT US

We welcome any comments or questions about our service and how we can make it better.

ABOUT US

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 27 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.

MFC Coach