Smarter Investing for
Your Retirement

Proven fund allocation strategies for TSP, Fidelity IRA, and Vanguard IRA investors—backed by rigorous backtesting across multiple fund types.

Built to Help You Build Wealth

Apex Equity, LLC is a financial education company founded by a military veteran with a singular mission: to provide world-class financial tools and data-driven strategies to everyday investors.

Whether you're optimizing your TSP, maximizing your Fidelity or Vanguard IRA, or building your resume to land a higher-paying role—we give you the tools and guidance to take control of your financial future.

Our commitment is simple: deliver measurable results through rigorous backtesting, cutting-edge technology, and unwavering support for every investor we serve.

Apex Equity Team

Our Services

Powerful platforms designed to strengthen your financial future

📈

TSP Seasonality Strategies

Data-driven investment strategies designed specifically for the Thrift Savings Plan. 10 and 20 years of rigorous backtesting shows consistent outperformance with lower risk.

  • ✓ Three proven strategies (A10, A20, A30)
  • ✓ 10-year and 20-year backtested versions
  • ✓ Automated email alerts & calendar
  • ✓ Up to 3,901% returns vs top TSP fund
Explore TSP Strategies
💹

IRA Seasonality Strategies

Data-driven investment strategies for your IRA, powered by rigorous backtesting across Fidelity and Vanguard mutual funds, ETFs, and index funds.

  • ✓ Fidelity & Vanguard strategies
  • ✓ ETFs, mutual funds & index funds
  • ✓ Automated email alerts & calendar
  • ✓ $22.99/year per strategy
Explore IRA Strategies
🤖

AI Enhanced Resume Builder

Create professional resumes in minutes with AI-powered content enhancement. Choose from 12 expertly designed templates and download instantly in DOCX format.

  • ✓ AI-enhanced content suggestions
  • ✓ 12 professional templates
  • ✓ Instant DOCX download
  • ✓ Just $0.99 for 2 resumes
Build Your Resume

What Is a Seasonality Strategy?

A proven approach to investing that takes advantage of recurring patterns in the market

Financial markets exhibit well-documented seasonal patterns—certain asset classes tend to outperform during specific months of the year. A seasonality strategy capitalizes on these patterns by systematically rotating your holdings into the funds most likely to perform well during each period.

Rather than staying in a single fund year-round, you make targeted switches at predetermined times based on historical data. Our scanner analyzes hundreds of thousands of possible monthly allocation combinations across TSP funds, mutual funds, ETFs, and index funds, backtesting each one against real price data to identify the strategies with the strongest historical performance.

1

We Scan & Backtest

Our scanner evaluates thousands of monthly fund rotation strategies using real historical price data. Each strategy is scored on CAGR, Sharpe ratio, max drawdown, and volatility to find the top performers.

2

You Pick a Strategy

Browse the ranked results and choose a strategy that fits your risk tolerance. Each strategy shows detailed performance metrics and the exact fund allocations for every month of the year.

3

We Send You Alerts

The day before each scheduled trade, you receive an email telling you exactly which fund to switch to. You also get an ICS calendar file so every trade date is on your phone.

4

You Execute the Trade

Log in to your brokerage account and move your holdings to the specified fund before the 4:00 PM ET cutoff. The entire process takes about 2 minutes.

Example: How a Monthly Rotation Works

A strategy might instruct you to hold a bond fund (AGG) during historically volatile months like September, then switch to a growth fund (VUG) during strong months like November—capturing upside while reducing exposure to downturns. Over time, these systematic rotations can compound into significant outperformance versus buying and holding a single fund.

You Could Be Missing Out on Millions!

Our TSP strategies—available in both 10-year (2016–2026) and 20-year (2004–2025) backtested versions—consistently outperform the top Core TSP fund. The Optimal A10 Strategy delivered more than 3,901% greater returns over 20 years with an initial $10,000 investment.

20-Year Performance (2004–2025)

$3,774,429
Strategy A10
CAGR: 31.29% | Volatility: 15.95%
$94,326
Top TSP Core Fund (C)
CAGR: 10.85% | Max Drawdown: 55.22%

10-Year Performance (2016–2026)

$319,905
Top 10-Year Strategy
CAGR: 40.65% | Volatility: 13.41%
$32,473
Top TSP Core Fund (C)
CAGR: 12.50% | Max Drawdown: 33.79%

Based on an initial $10,000 investment. Past performance is not indicative of future results.

Explore All TSP Strategies

IRA Seasonality Strategies

Our IRA strategies apply the same seasonality approach to Fidelity and Vanguard retirement accounts—backtested across ETFs, mutual funds, and index funds.

Fidelity IRA

ETF-based strategies

Seasonality strategies optimized for Fidelity IRA accounts using top-performing ETFs.

56.5%
Best CAGR
112,002
Strategies
View Fidelity Strategies

Vanguard IRA

ETFs, mutual funds & index funds

Seasonality strategies optimized for Vanguard IRA accounts across three fund types.

45.8%
Best CAGR
285,542
Strategies

$22.99/year per strategy — includes email alerts & calendar file

Past performance is not indicative of future results.

TSP Strategies
40.4%
Best 10-Year CAGR
30.4%
Best 20-Year CAGR
10 & 20
Years of Backtested Data
3,901%
Greater Returns vs C Fund
IRA Strategies
56.5%
Best Fidelity CAGR
45.8%
Best Vanguard CAGR
397,544+
IRA Strategies Available
2
Brokerage Platforms

Ready to Transform Your Financial Future?

Our data-driven strategies can help you maximize your returns.

Explore TSP Strategies Explore IRA Strategies

Choose Vanguard Fund Type

Select which type of Vanguard strategies you'd like to explore:

📊
Mutual Funds
10 Vanguard Funds
VFIAX, VTSAX, VSMAX, VTIAX, VBTLX & more. Classic mutual fund strategies.
📈
ETFs
12 Vanguard ETFs
VOO, VTI, VUG, VNQ, BND & more. No round-trip restrictions.
📉
Index Funds
8 Index Funds
VFIAX, VTSAX, VSMAX, VIGAX & more. Fewer funds, tighter optimization.