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.
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.
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.
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.
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
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.
I tried this app for the past year in hope that I would see a positive return. After being dedicated and making changes as recommended it appears I have not gained a penny. I went back to my old method of using TSP L funds and risking only based on futures. I have already seen a gain since I dropped this app. If you are close to retirement I would be cautious with using this
Terrible allocation advice! Lost 11% this year! You’re better off leaving it in the G fund! I’m active duty military and my hard earned money (more than $1k) went down the drain! Look elsewhere!
My TSP LOST 10% the past year using this app’s advice, when everyone else had GAINS. This is my worst loss in 25 years of contributing to this fund. My money is back in the L2030 fund.
I like the idea of the illusion of being able to actively manage your account. That being said, it would be better if I was able to actually see the tips. The account is supposed to be tied to my email address but after renewing for the year, it won’t send me the updated weekly tips and keeps saying that I am Not subscribed. I’ve sent numerous emails requesting assistance. If I ever get resolution I’ll amend my review, but as of now I am disappointed and will be filing a complaint with my credit card to get a refund. Don’t waste your money on poor customer service.