Good Morning and Happy New Year! So how’d we do in 2015???? Know that I am my own worst critic. Here are the final figures. Our TSP allocation finished the year in the green at +0.25%. That doesn’t seem very good until you look at the major indices. For comparison, the Dow finished the year in the red at -2.23%, the S&P 500 was also in the Red at -0.73%, with only the Nasdaq in the Green at +5.73%. Of course we have no direct exposure to the NASDAQ in Thrift so it’s very hard for us to beat that index in a year such as this one when it out performs. The main benchmarks that we compare ourselves to are the Dow and the S&P and we beat them both. Am I bragging? Absolutely not. I have done much better over the years and am not satisfied with this performance. A lot of things have changed in the market in recent years not the least of which where FED intervention and a much greater influence in computer algorithm trading. The resulting market has moved sideways and left little opportunity to make money. Only traders with short term time frames have been able to profit in this environment and it has been hit or miss for them. That said, we will be tweaking our system a bit in 2016. As the market evolves, we must evolve with it. That will mean that we will either have to take profits quickly or trade around a fund or funds as a core holding much as you would trade around individual core stock in your portfolio. No doubt about it. We must change or be left behind in this market. Here is a link to CNBC with all the year end figures:
Stocks close lower; worst year for S&P, Dow since 2008
Well, that’s it for 2015. I pray that God will bless each one of you and yours in 2016!
God bless, Scott 
