What is the TSP Optimizer®?

May 06, 2019

The TSP Optimizer® is a simple, online tool designed to assist you with the management of your Thrift Savings Plan.  By helping you properly allocate your account, the system uses your risk tolerance and long-term goals to generate a personalized portfolio and will recommend changes to make to your investment strategy based on market fluctuations.

Backed by Sophisticated Analysis

Powered by Howard Capital Management, Inc.’s (HCM) proprietary systems, the technology behind the TSP Optimizer® is non-emotional and repeatable.  By carefully analyzing fund managers, fund performance and current market conditions, this highly advanced tool will provide recommendations for which specific funds to choose in your TSP, how much to invest in each fund and what to do with your investments when the market rises or falls. 


Designed with you, the investor, in mind, the TSP Optimizer® provides many benefits to its users, including:

  • Detailed instructions for all action steps, delivered straight to your inbox
  • Technology that runs around the clock to ensure your portfolio is consistently monitored
  • Additional resources like the Optimized Trend Indicator® (OTI) tool which allows you to check the performance of any single stock
  • Investments overlaid with HCM’s signature stoploss risk management tool, the HCM-BuyLine®, to manage your risk in a market downturn
  • Notifications when it is recommended to make a change, update or re-balance

How Does it Work?

Visit the TSP Optimizer® website to create your account.  Once established, you will be asked to complete a risk tolerance questionnaire to identify your investing personality.  Your answers will determine how much risk you are comfortable taking and will take your age, financial goals and investment timeline into consideration.

The system will then perform an in-depth analysis of your fund options and will generate a personalized recommendation for how to allocate your investment portfolio.  The TSP Optimizer® uses mathematical algorithms to keep a close eye on the market and will inform you of any changes you may need to make.  You will also receive quarterly updates when applicable on how and when to re-balance or reallocate your portfolio.

Contact Howard Capital Management, Inc.

At Howard Capital Management, Inc. (HCM), we understand how important it is to work with someone you trust, that can create and deliver tools and technology to help you navigate the market with ease.  By planning for your financial future now, you can make your retirement an exciting and smooth transition.